Bob Clafford currently serves as head of Operations for HomeXpress Mortgage Corp, where he is responsible for underwriting and all operational units, risk management and the maintenance of profitable long term relationships. Before joining HomeXpress, Mr. Clafford spearheaded production teams in Southern California for Mountain West Financial and PMAC. He also served as Senior Vice President for the Residential Real Estate Division of Fremont Investment & Loan, overseeing nationwide production teams of 1500 in Sales & Operations and Marketing while generating in excess of $3 billion of loan volume per month. Prior to this, Mr. Clafford was Regional Vice President with Associates Financial Services, where he directed staff members at 12 US locations, driving record profits. Earlier in his career, Mr. Clafford also ranked among the nation’s top Branch Managers at BNY Mellon. Bob majored in Business at The College of DuPage and has completed elite training programs in senior level financial services management.