Our goal at ACM is to make loans that solve problems for our borrowers, not create them. We make sure that our borrowers have an exit strategy, and we are careful to see it executed. Our investors know that our loans are carefully vetted, secured by real estate at a low-loan-to-value, and that the borrowers have a realistic plan for repayment. We use a custom rating system called the ACM Index, which grades each scenario and gives our investors insights into the strengths of each trust deed opportunity.

Our tag line, "Partners in Trust Deeds Since 1992," reflects our experience and our commitment to open communication and transparency with our borrowers, our investors, and our referral partners.



Bruce Fonarow

Principal & Founder
NMLS 289887 | DRE 602886

With over four decades of experience in private lending, Bruce Fonarow has brought together a solid and reliable team, each of whom provide a wealth of experience and exemplary service to our borrowers and investors.


Richard Redmond

VP & Broker of Record
NMLS 245115 | DRE 01146995

Richard moved over to ACM in 2016 after 24 successful years at All California Mortgage; he sits on the loan committee, handles relationships with outside brokers, and does due diligence on all of the company's loans.


Sofia Nadjibi

Broker Associate
NMLS 241012 | DRE 1405277

Sofia began at All California Mortgage in 1999, and rapidly became a top loan agent. After taking time off to start a family she is back at ACM as a Broker Associate to high net worth clients, structuring complicated bridge loan transactions.


Cindy Friel

Real Estate Loans & Investments / Loan Servicing
DRE 01484211

Cindy has been with ACM for over 15 years. She manages investor relations and supervises document preparation and funding. Her friendly demeanor and wealth of knowledge about every loan is an essential ingredient to our success.


Jeff Drawdy

Real Estate Loans & Investments
NMLS 286467 | DRE 215943

Jeff has been a mortgage originator for almost 30 years, closing over $2 billion in loans. He has also helped many of his clients achieve 7% to 10% returns on trust deed investments with ACM .


Sue Dawdy

Real Estate Loans & Investments
NMLS 295359 | DRE 01056199

Sue is a 25 year veteran of the mortgage industry with an MBA in finance. She has extensive experience investing in residential and commercial properties and trust deeds, a solid foundation for advising her clients on trust deed investments.


Jim Fetter

Real Estate Loans & Investments
NMLS 291890 | DRE 602886

Jim has worked as a loan officer at ACM for fourteen years and brings a wealth of experience to ACM. He is a real estate broker as well as an experienced contractor, skill sets that have been invaluable to ACM.


Kathie Knighten

Loan Servicing Manager

Kathie has been in charge of loan servicing and compliance for almost 20 years. Her keen eye and acute understanding of applicable laws and compliance requirements make her an invaluable asset to the team.


Jazmin Nunez

Servicing Support

Jazmin joined the ACM team in 2017, providing servicng support for each file. Her attention to detail and pleasant personality are a perfect fit to the ACM family.

I first came to ACM twelve years ago when my partner and I were struggling to find a way to finance the completion of a house we were doing a complete gut remodel on. ACM came to the rescue, and we now have a home that is worth twice what it was when we came to ACM. My next great experience was when ACM helped us buy-out a partner in a vacation home in Mendocino. The kind of deal and the ridiculous lender requirements made a regular loan impossible, so ACM stepped in and made it so we didn’t have to sell our interest. I really like the positive way ACM worked with me as a borrower to help me find solutions when other people told me what I wanted to do was
— Lori S., borrower since 2006