Branch Manager/Loan Originator, NMLS ID# 369809
Acrisure Mortgage (formerly FBC Mortgage, LLC) is a Top 10 national mortgage lender headquartered in Orlando, Florida. Licensed in 49 states and part of a team of over 19,000 dedicated professionals within Acrisure, we specialize in residential mortgage lending through our retail and wholesale/correspondent channels. Our offerings include purchase, refinance, construction, and renovation loans—designed to meet the unique needs of homebuyers, homeowners, and partners nationwide.
We’re proud to be a trusted partner to many of the nation’s largest homebuilders and real estate professionals, supported by a growing base of satisfied past clients. Known for best-in-class service, innovation, efficiency, and reliability, Acrisure Mortgage has earned numerous national awards for company culture and performance, including Top 50 Mortgage Companies, Best in Loan Delivery, and Best Place to Work honors.
As part of the Acrisure family, we’re proud to align with a global fintech leader that shares our commitment to innovation, integrity, and service. This partnership empowers us to expand our capabilities, access world-class technology and resources, and continue growing alongside the clients and communities we serve—while staying true to who we are.
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Specialized mortgage programs may help eligible professionals make homeownership more accessible through financing options like higher loan-to-value loans, down payment assistance, or closing cost credits.
Planning ahead for closing costs can help make the homebuying process smoother. These expenses will vary based on the price of the home and the type of financing.
If buying a home is on your radar for this summer, now is a great time to start exploring your options and building your financial plan.
Acrisure Mortgage, LLC and Megatel Homes are not affiliated and have no shared ownership. Borrower is not required to finance with Acrisure Mortgage, LLC. To see additional state licenses for the listed loan originators, follow these links: Bambi Winstead, Kevin Young, Kyle Chubboy.
Not sure where your loan is serviced? Click here to look up your address and we’ll point you in the right direction!
Peter Conrad brings over a decade of experience in the mortgage industry, with a strong focus in Secondary Markets. He began his career in 2010 at Gershman Mortgage in St. Louis after earning his Bachelor of Accountancy from the University of Mississippi. In 2015, Peter relocated to Orlando, Florida, where he joined FBC Mortgage and has since become a key leader within the organization.
With 12 years of specialized experience in Secondary Markets, Peter currently serves as Director of Capital Markets at Acrisure Mortgage. In this role, he oversees all aspects of the Secondary function—including loan sales to investors, securing funding, and managing risk exposure. His leadership ensures the company maintains strong investor relationships and efficient capital execution.
Outside of work, Peter enjoys golfing and cherishes time spent with his two-year-old daughter.
With over a decade of experience in the mortgage and technology industries, Josh brings a dynamic blend of business acumen and technical expertise to his role. He is responsible for driving the company’s long-term strategic initiatives, with a focus on innovation, process improvement, and the future of mortgage technology.
Josh began his career in sales before transitioning into the IT department at Acrisure Mortgage, where he started on the Help Desk. His hands-on experience across departments has given him a unique, enterprise-wide perspective and the ability to bridge the gap between operational needs and cutting-edge solutions. His expertise spans Robotic Process Automation (RPA), artificial intelligence, and enterprise-level project management.
A graduate of the University of Tampa with a Bachelor’s degree in Finance, Josh is known for his creative problem-solving approach and ability to think outside the box. He is passionate about leveraging technology to streamline workflows, increase efficiency, and position Acrisure Mortgage at the forefront of industry innovation.
Michael D. Williams is a tremendous new addition to our executive team, serving as our Joint Venture Liaison. For over three decades, Michael has built a proven track record in the retail mortgage industry. His journey as the President and Managing Director of Trailblazer Mortgage, an Acrisure Mortgage builder joint venture, reflects his commitment to implementing operational controls, strengthening business partner relationships, and ensuring overall divisional success. With a keen eye for aligning operating structures and a knack for recruiting and retaining top-notch staff, Michael brings a unique blend of strategic leadership and industry acumen to the table.
Prior to his current role, Michael served as the Branch Manager and Mortgage Loan Originator at Acrisure Mortgage in Atlanta, GA. Here, he was instrumental in the Metro Atlanta day to day operations, excelling in recruitment, business development, and fostering strong community relationships. Throughout his career journey, Michael has consistently displayed a passion for expanding market share, driving profitability, and ensuring exceptional customer satisfaction.
In addition to his professional endeavors, Michael proudly served in the United States Air Force from 1982 to 1992. Showcasing his dedication to service, he received numerous accolades throughout his tenure, culminating with the Air Force Commendation Medal and the Air Force Achievement Medal, both for meritorious service and going above and beyond the call of duty. His community engagement goes beyond the boardroom. Michael served as Chairman of the Board for the DeKalb County Chamber of Commerce. He was subsequently appointed to the DeKalb County Economic Development Authority by the Dekalb County Office of the CEO.
Co-CEO
jnunziata@acrisuremortgage.com
Chief Sales Officer
tboss@acrisuremortgage.com
Chief Financial Officer
dwatford@acrisuremortgage.com
National Director of Builder Partnerships
jhunter@acrisuremortgage.com
Missy Cefalo serves as the Chief Operating Officer of Acrisure Mortgage, LLC. In her current role, she is responsible for overseeing end-to-end loan operations, process optimization, developing credit policies and managing risk. Missy has been in the mortgage industry for over 30 years working in both wholesale and retail with a varied background in sales and operations. With her experience and knowledge, she aims to extend Acrisure Mortgage’s rank as a top 10 national lender.
Missy is a Florida native born in Winter Park, Florida and currently lives in Longwood, Florida with her husband and daughter. In her free time, she enjoys reading and spending time outdoors hiking or at the beach.
Todd is the Chief Sales Officer at Acrisure Mortgage, LLC. Todd was born in Atlanta, Georgia but grew up in Central Florida. He attended Lake Brantley High School and subsequently graduated from the University Of Florida with a degree in business administration. Todd has been in the mortgage industry for over 20 years, starting as a Mortgage Loan Officer and rising to executive management levels. He joined the Acrisure Mortgage executive team in 2009.
Todd is responsible for the growth and strategic development of the company’s sales force. Using his leadership skills, industry experience and knowledge, Todd aims to extend Acrisure Mortgage’s rank as a top 10 national lender. Todd is married with three sons; Blake, Jett and Stone. His children being his pride and joy, he spends most of his free time coaching or watching them play sports.
Stephanie Simmons serves as the Chief Communications Officer for Acrisure Mortgage, LLC. She manages all marketing, advertising, social media and public relations initiatives insuring both consistent branding and compliance in the market areas we serve. Stephanie also develops and manages all company events and culture programs including sales training conferences and retreats, corporate events, business partner events and incentive trips. Prior to joining Acrisure Mortgage Stephanie worked in marketing and event/project management with several professional sports entities including the Arena Football League’s Tampa Bay Storm, the NHL’s Tampa Bay Lightning, and International Speedway Corporation (NASCAR). She graduated from the University of Florida with a Bachelor of Science in Sports Marketing.
Stephanie lives in Orlando, Florida with her husband and two children where she spends most of her free time at the basketball gym, baseball fields, tennis courts and traveling with her family.
Michael Dunn currently serves as the company’s General Counsel. Michael received his Bachelor of Science degree from the University of Central Florida, his Juris Doctor degree from the Florida A&M University College of Law, and his Master of Business Administration degree from the Crummer Business School at Rollins College. He is a member of the Florida Bar’s Real Property, Probate, and Trust Law Section- Real Property, Finance and Lending Committee, and Young Lawyer’s Division. He is an active member of the United States Middle and Northern District Courts in Florida. He is a participating affiliate member of the American Association of Residential Mortgage Regulators, the Central Florida Compliance Association, the National Mortgage Bankers Association – Legal Issues and Regulatory Compliance Committee, and the Mortgage Bankers Association of Central Florida.
Mr. Dunn was an active participant in the 2014 Florida loan originator test writing maintenance cycle. Prior to and during law school, Michael was a Florida-licensed mortgage broker and worked for a compliance company providing auditing services to assure best practices by loan officers for a nationwide lender. He also clerked within the state of Florida’s Department of Business and Professional Regulation assisting its legal staff with administrative enforcement activity.
Joe is the CEO of Acrisure Mortgage, formerly known as FBC Mortgage, and Co-Managing Member of Pine Court Holdings. He is also a Founder and Director at One Florida Bank, a Central Florida-based community bank, and at Trident Reciprocal Insurance, a Florida-based insurance company. In addition, Joe was appointed by Governor Ron DeSantis to serve on the Greater Orlando Aviation Authority.
Joe previously served as CEO and President of The Sterne Agee Group following their acquisition of FBC Mortgage in 2012. He returned to FBC in 2015 after leading the company’s successful re-acquisition from Sterne Agee. Before co-founding FBC Mortgage, LLC, Joe was Senior Vice President at First Horizon Home Loans, a NYSE-listed company, from 2003 to 2005. Earlier in his career, he was a shareholder and Vice President at American Heritage Mortgage Corp., where he served from 1989 to 2003.
Joe has held board positions with several financial institutions, including Sunshine Bank (NASDAQ), Southern Community Bank, and Fifth Third Bank of Central Florida (NYSE). He is deeply committed to community service and currently serves on the boards of the AdventHealth Foundation, the Orlando Police, Seminole, and Orange County Sheriff Foundations, and the FBC Mortgage Charitable Foundation.
A Certified Mortgage Banker (CMB) through the Mortgage Bankers Association of America, Joe has also served on the MBA’s Legislative Committee and the Board of Adjustment for the City of Longwood, Florida. He has been a featured commentator on CNBC and Fox News and frequently speaks at industry conferences and panels.
Joe holds a bachelor’s degree from the University of South Florida and has attended sessions at the London School of Economics. His leadership and entrepreneurial spirit have been recognized with honors including Executive of the Year by the Orlando Business Journal and the Ernst & Young Entrepreneur of the Year award.
Dyron M. Watford serves as the company’s Chief Financial Officer. Dyron has over 21 years of both private and public accounting experience specializing in structuring, leading, and advising corporations through private and public offerings, strategic initiatives and regulatory reporting and compliance. He is responsible for the overall finance function of the company.
Dyron is a graduate of Florida Southern College where he earned a Bachelor of Science degree in accounting, and the University of Central Florida where he earned a Master of Business Administration degree. He is licensed in the state of Florida as a Certified Public Accountant.
Daniel Herbon is the Chief Information Officer, Chief Information Security Officer and Privacy Officer of Acrisure Mortgage, LLC. Dan has been working in the technology industry for 20 years, joining Acrisure Mortgage in 2006. Dan’s experience spans all aspects of the technology industry. In his current role, he’s responsible for the day-to-day technology operations of the company, overseeing the Help Desk, Systems, Network, Cybersecurity, RPA and Development Departments.
With his experience and keen ability to communicate technology, Dan aims to assist in Acrisure Mortgage’s future growth by implementing industry leading technology, securing the company’s infrastructure and promoting departmental efficiency through technology. In his spare time, he enjoys golfing and spending time with his wife and three children.
