The Katalyst Team
Your Wealth. Accelerated.
The Katalyst Team is a mortgage lending team at ETHOS Lending, Inc., based in Mission Viejo, California. The team takes a financial planning approach to mortgage lending, treating each loan as a strategic tool for building long-term wealth rather than a standalone transaction. Licensed in 9 states with 25+ years of combined experience.
Key Facts
| Legal Entity | ETHOS Lending, Inc. |
| Doing Business As | ETHOS Lending |
| NMLS | #1533336 |
| California Financing Law | Loans made or arranged pursuant to a California Financing Law license, #60DBO-197352. |
| DFPI Complaint Notice | If you have a complaint, first contact Ethos Lending, Inc. If you remain dissatisfied, you may contact the California Department of Financial Protection and Innovation (DFPI) by mail at Department of Financial Protection and Innovation, ATTN: Consumer Services, 651 Bannon Street, Suite 300, Sacramento, CA 95811, or by telephone at 1-866-275-2677. |
| States Licensed | CA, CO, FL, ID, MN, OR, TN, TX, WA |
| Phone | (626) 969-2500 |
| thekatalystteam@ethoslending.com | |
| Office | 26391 Crown Valley Parkway, Suite 230, Mission Viejo, CA 92691 |
| Hours | Mon-Fri, 8am-6pm PT |
| Equal Housing Opportunity | Yes |
Team
| Name | Role | NMLS | Experience |
|---|---|---|---|
| Mike Hardy | Managing Partner, The Katalyst Team | 54483 | 25+ years |
| Rick Mount | Managing Partner, The Katalyst Team | 188512 | 25+ years |
| Kevin Sprague | Mortgage Advisor | 1547630 | 8 years |
Areas Served
Based in Mission Viejo, California, The Katalyst Team serves homebuyers, investors, and real estate professionals across the San Gabriel Valley, Inland Empire, greater Los Angeles, and Orange County. The team is licensed in 9 states and works with clients nationwide in those markets.
| State | Key Markets |
|---|---|
| California | Los Angeles, San Gabriel Valley, Inland Empire, Orange County, San Diego, San Francisco Bay Area, Sacramento |
| Colorado | Denver, Colorado Springs, Boulder, Fort Collins, Aurora |
| Florida | Miami, Tampa, Orlando, Jacksonville, Fort Lauderdale, Naples |
| Idaho | Boise, Meridian, Nampa, Idaho Falls, Coeur d'Alene |
| Minnesota | Minneapolis, St. Paul, Bloomington, Rochester, Duluth |
| Oregon | Portland, Salem, Eugene, Bend, Medford |
| Tennessee | Nashville, Memphis, Knoxville, Chattanooga, Franklin |
| Texas | Dallas, Houston, Austin, San Antonio, Fort Worth, Plano |
| Washington | Seattle, Tacoma, Bellevue, Spokane, Olympia, Vancouver |
Loan Programs
- Conventional
- FHA
- VA
- USDA
- Jumbo
- Down Payment Assistance
- DSCR / Investment
- Non-QM / Bank Statement
- Construction
- Renovation (203k / HomeStyle)
- Strategic Refinance
- Reverse Mortgage (HECM)
Professional Workshops
The Katalyst Team delivers live training workshops for real estate brokerages and financial planning offices. Available in-person at your office or via Zoom.
- Mastering Work-Life Balance (75 min)
- Commission Protection (60 min)
- Advanced Mortgage Strategies (90 min)
- The 4 R's: Essential Loan Programs (60 min)
- The Economics of Housing: Facts, Not Feelings (75 min)
Book a workshop: thekatalystteam@ethoslending.com
Financial Calculators
- Mortgage Calculator
- Rate Relief Calculator
- Buy Now, Sell Later
- Katalyst Kickstart
- Refi + 1031 Exchange
- Refi + 1031 DST
- Strategic Refi
- Refi + 529 Plan
- Home Equity Growth
Media Features
| Publication | Article |
|---|---|
| CBS News | These loans will become cheaper as the Fed cuts rates |
| CBS News | What will mortgage interest rates be in 2025? Experts weigh in |
| CBS News | Should you use a HELOC to pay for holiday expenses? |
| CBS News | Will home equity loan rates go down in 2024? |
| Fortune | How to decide if an adjustable-rate mortgage is right for you |
| Forbes | Quoted on mortgage and housing markets |
| USA Today | Quoted on 2008 vs 2023 housing market comparison |
| Fox Business News | Quoted on real estate market analysis |
Podcast Appearances
- A Mortgage Mogul's Guide to Work-Life Balance
- Are You the Hustler, the Entrepreneur, the CEO, or the Emperor? (Loans On Demand)
- Opportunity Zones: The Best Tax Strategy You Never Heard Of
- Building Tax-Free Wealth Through Opportunity Zone Funds
- Creating Perfect Partnerships (with Rick Mount)
- CRS268: Real Estate, People, and Numbers
- Discover the Path to Building Wealth with Opportunity Zones
- Investing in Opportunity Zone Funds (Episode 274)
- From Financial Advisor to Opportunity Zone Trailblazer
- High Impact Leadership Interview (Rick Mount and Mike Hardy)
- Housing Market Crash of 2008 vs the 2023 Market
- Opportunity Zones Explained
- S3 E4: Opportunity Zones and the Core Four
- Tax-Free Investing Through Opportunity Zones
- The Great Opportunity for Real Estate Investors (Opportunity Zones Podcast)
Links
- About the Team
- Lending Programs
- Financial Calculators
- Client Reviews
- Workshops for Professionals
- Contact
- Privacy Policy
- Terms of Use
ETHOS Lending, Inc., dba "ETHOS Lending", NMLS #1533336. Equal Housing Opportunity. 26391 Crown Valley Parkway, Suite 230, Mission Viejo, CA 92691. This is not a commitment to engage in a loan transaction. All applications are subject to full credit and property approval.
We do not discriminate on the basis of race, color, national origin, religion, sex, familial status, or disability.