About Loan Risk Advisors

You deserve a compliance partner who understands mortgage lending from the inside.

At Loan Risk Advisors, we provide practical compliance guidance backed by decades of experience in mortgage lending, operations, risk management, and regulatory oversight. We’ve worked through exams, audits, operational challenges, and regulatory change firsthand.

That experience allows us to deliver more than compliance advice. We help lenders identify risk, solve problems, and build stronger processes that support long-term growth.

Whether you need a quick answer, a second opinion, or ongoing compliance support, we’re here to help you move forward with confidence.

Compliance is Our Love Language

From marketing materials to disclosures, social posts to training manuals,

we understand how mortgage regulations show up in the real world.

We stay up to date on the moving pieces—TRID, RESPA, ECOA, UDAAP, Reg Z, and more—so you don’t have to.

You get clear guidance, quick answers, and a team that actually understands

the day-to-day of lending.

Why Mortgage Professionals Trust Loan Risk Advisors

You Get Clarity Fast

We cut through the noise so you can focus on the risks that actually matter.

You Stay in Charge–We Adapt to You

Whether you’re a small shop or a national lender, we fit into your structure—not the other way around.

You Spend Less Time Second-Guessing

We show you what matters, what's missing, and what's next—so you can act with confidence.

You Don't Have to Go it Alone

We’re here to support your team, lighten the load, and keep compliance from becoming a burden.

Meet Our Team

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Founder and President

Raymond Snytsheuvel

Ray brings more than 30 years of mortgage industry experience, with a background that includes loan origination, funding, operations, compliance, and legal oversight. He has held roles as a loan officer, funding manager, internal auditor, chief compliance officer, and general counsel.

His expertise spans TILA, RESPA, and Fair Lending, along with policy development, audit readiness, and operational strategy. Ray helps lenders align compliance with business goals, manage regulatory challenges, and improve internal workflows.

Clients value his direct communication, practical insight, and strong understanding of how compliance works mortgage environments—not just in theory, but in practice.

Director of Operations

Cassie Ellis

With over 30 years of mortgage experience, Cassie has worked across a wide range of roles in operations, funding, loan delivery, and compliance. Her career includes leadership positions at lenders, credit unions, and mortgage banks, where she supported sales, managed closing teams, and built operational procedures.

Cassie has deep expertise in federal and state regulations, including experience with Fair Lending, loan delivery, and origination system transitions. At multiple institutions, she served as the go-to resource for interpreting new regulatory changes and integrating them into daily operations.

Clients and teams value her calm approach, practical insight, and ability to build trust while getting things done.

Senior Compliance Advisor

Jeanne Brown

Jeanne brings over 15 years of compliance experience in mortgage lending, risk management, and regulatory oversight. She has held leadership roles at credit unions and mortgage banks, including Chief Compliance Officer, VP of Risk Management, and Real Estate Lending Compliance Officer.

Her background covers real estate lending, credit risk, and mortgage servicing. She is skilled in audit response, program development, and helping lenders strengthen internal controls. Jeanne also holds the NAFCU Certified Risk Manager designation and a degree in Political Science from UCLA.

Clients trust her steady leadership and ability to simplify compliance issues with practical, well-informed solutions.

Marketing & Communications Manager

Evelyn Bai

With over 25 years in marketing, Evelyn has worked with small teams to Fortune 500 companies. She has a knack for turning complex ideas into clear, engaging content that connects with readers and performs well in search.

Evelyn is skilled at weaving in strategic keywords and writing easy-to-scan headlines that help people find what they need—and enjoy reading it.

Whether she's refreshing an outdated web page, crafting social media posts, or tuning up SEO settings behind the scenes, Evelyn brings energy and care to every project, making content that works for both the audience and the algorithm.

Plus, she can often stump Ray with random music trivia —a skill that’s impressive, if not particularly useful in compliance.

Compliance Advisor

Nichole Salazar

Nichole brings over 20 years of experience in mortgage lending, loan processing, and compliance support. She has worked in roles ranging from senior loan processor and compliance analyst to trainer and advisor, guiding teams through regulatory requirements and operational processes.

She has led training programs on loan origination and processing. Nichole is known for her attention to detail, strong communication skills, and ability to keep teams moving forward. Her experience spans residential lending, credit analysis, investor relations, and legal documentation.

Clients rely on her practical knowledge and team-first approach to deliver consistent, reliable compliance support.

Compliance Advisor

Mary Costello

Mary brings over 15 years of experience across mortgage lending, compliance, vendor management, and fintech. She began her career at a leading VA lender, rising from processor to team manager while building operational workflows. She later built and implemented their third-party risk management program.

She later led strategic compliance programs at two mortgage tech startups, where she built risk registers, authored policy libraries, and translated complex regulations into structured rule sets to support automation and audits. Mary’s skills span regulatory compliance, risk management, internal audits, third-party oversight, and mentoring future leaders.

Her clients value her ability to lead with both precision and empathy, combining technical know-how with a collaborative, problem-solving mindset.

Compliance Advisor

Sharmyn Calhoun

Sharmyn brings more than 20 years of experience in mortgage compliance, risk management, and corporate governance. She has held executive leadership roles at national banks, mortgage servicers, financial institutions, and agricultural lenders, overseeing compliance programs, enterprise risk management, mortgage operations, and regulatory oversight.

Her expertise includes Compliance Management Systems (CMS), Enterprise Risk Management (ERM), regulatory examinations, governance frameworks, and operational risk strategy. Sharmyn has guided organizations through periods of growth, acquisitions, regulatory remediation efforts, and examinations involving federal banking regulators.

Clients value her strategic perspective, operational experience, and ability to help organizations navigate regulatory challenges with confidence and clarity.

Compliance Advisor

Jill Johnson

Jill brings more than 15 years of experience in mortgage and banking compliance. Her background includes marketing and regulatory compliance, auditing, exam remediation, project management, risk management, policy development, training, and vendor oversight.

She has extensive experience helping financial institutions navigate regulatory requirements while strengthening internal processes and controls. Jill is particularly skilled in marketing compliance and works closely with lenders to address evolving requirements across advertising, social media, and consumer-facing communications.

Clients value her collaborative approach, practical problem-solving skills, and ability to create clarity around complex compliance challenges while building strong working relationships across organizations.

the team

Ready to make mortgage compliance easier?

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