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Meet our Team

Get to know the experts you'll work with.



Experts in private money investing and hard money loans. 

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Brett Everett


Brett co-founded private money lender First Capital Trust Deeds (FCTD)with Ted Spradlin in 2013. He has led FCTD’s push to automation technology, improving both borrower and trust deed investor experience. In addition to technology, he continues to originate private money loans through trust deed investors and mortgage funds


Corey Kohnke


Since entering the private money lending in 2011, Corey has originated close to $1 billion of loans for his investor clients. Corey focuses on private money fix and flip, bridge, new construction, 2nd & 3rd trust deeds, along with multi-property cross-collateralized blanket loans.

Raj Mulchandani - Square

Raj Mulchandani


Raj joined First Capital Trust Deeds as a Senior Partner in 2018, where he originates bridge loans, construction financing, and second trust deeds for his real estate investor clients, often sourcing funds from his network of trust deed investors.

Ted Spradlin

Ted Spradlin


In 2013, Ted co-founded FCTD with Brett Everett, setting out to originate mortgages for real estate investors. During this time, the company has grown from two founders to ten people originating nearly $500 million in loans annually.

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Michael Lopez


Michael Lopez currently serves as a Vice President of Loan Originations for First Capital Trust Deeds at the Orinda office. Michael has been in the mortgage industry since 2013, with experience both in conventional and private money lending.

Spencer Weaver

Spencer Weaver

VP, Loan Originations

At FCTD’s Newport Beach office, Spencer originates Bridge, Fix and Flip, Construction (ground-up and mid-construction financing), 2nd & 3rd Trust Deeds, long-term Rental, and multi-property Cross-Collateral Blanket loans nationwide.


Loan Experts

Aida Ojeda

Funding Manager

In 2014, Aida joined FCTD as Funding Manager. Aida is the master of the details and moving parts that goes on behind the scenes that most borrowers, Realtors, and even conventional mortgage brokers never see. Aida is a native of Orange County. She and her husband live in Santa Ana with their three boys.

Martha Ramirez

Loan Servicing Manager

With over 20 years of experience in the mortgage industry, Martha is our go-to loan servicing expert. During her tenure in the industry, Martha has worked as a Funding Manager, Loan Funder and Servicing Manager with leading subprime lenders and private lending companies.