Our Mission:

Drop Mortgage will try to meet your mortgage needs through a simple, convenient, stress free process. Whether you are a first time homebuyer, or a veteran real estate investor, our loan officers are at the ready to inform you on our unique mortgage solutions that may be available to you.

Jon Maddux is CEO and co-founder of Drop Mortgage, Inc. Drop Mortgage is a mortgage lender with the focus on residential jumbo niche loan programs.

Before the mortgage crisis, he was President of IMS Lending, a local mortgage company in Del Mar, CA. In December 2007, Jon Co-Founded and became CEO of YouWalkAway.com.

Since January 2008, YouWalkAway.com has helped over 8,000 customers navigate through the hardship of foreclosure and / or a short sale. You Walk Away has been featured in news publications and TV news programs such as: 60 Minutes, ABC Nightline, CNN, NBC’s The Today Show, Good Morning America, Yahoo Finance, Time Magazine, The Wall Street Journal, The New York Times, Bloomberg, Forbes, Fortune, Money Magazine, NPR, AP, NBC, CBS and Fox News among many others. Many of these publications have used quotes from Maddux about mortgages, short sales and foreclosure.

Specialties: Creative financing. Structuring real estate deals. Jumbo loans after foreclosure or short sale. Multifamily properties and commercial financing. Creative consulting on projects that involve economic foresight, marketing and out of the box thinking. Co-founded AfterForeclosure.com featured on CNBC.

Music: Signed to Warner Music Publishing from 2006-2008. Jon has worked with Major Label recording artists in the following genres: Country, Rock, Pop & Christian (including Smashmouth, Plain White T’s, John Michael Montgomery, Parmalee, Kutless). Jon wrote original songs and recorded all the music for an upcoming international children’s TV show The FoFo Figgily Show. Jon played in Signed Christian band for two records and two tours 1992-1994.

Chad Headshots Large Title


Chad R. Ruyle is the President and Co-Founder of Drop Mortgage, Inc.  He works with both overall operations and capital markets for the business.  Mr. Ruyle is an attorney by trade and an entrepreneur, having developed an Estate and Business Planning practice and various successful startup ventures.  These real estate and finance pursuits, along with his private equity investments, help him understand the opportunities and struggles of business — whether it requires actively managing, advising on a board seat, or investing in a business.  Mr. Ruyle’s expertise has led to features on most major national networks including 60 Minutes on CBS, Nightline on ABC, and NBC’s Today Show with Brian Williams.  He has also been quoted or featured in many national and local publications including The New York Times, The Wall Street Journal and Forbes Magazine.  An active member of his community, Mr. Ruyle co-founded the non-profit PEERS and volunteers his time with various organizations.



David Hidy has been in the mortgage industry for more than 26 years.  As the EVP of Strategic Development for Drop Mortgage and FundLoans.com in San Diego, David is responsible for expanding both branch networks and deepening customer relationships through targeted market penetration, and implementation of strategic marketing plan.

Prior to joining Drop Mortgage and FundLoans.com, David held various roles as a business development manager, mortgage loan specialist and private mortgage banker. His expertise, superior leadership and communication skills have enabled him to deliver clear and consistent results. He is passionate about helping people reach their highest potential and has been successful at developing top performance teams throughout his career.





Heather Gray grew up in San Jose, California.  As exciting as the Silicon Valley was, she was thrilled to transfer her studies to San Diego.  As a B.S., Psychology graduate from SDSU, Heather Gray began her career studying human behavior and relationships.  Her goal to bring people together and problem solve helped to become the Human Resources & Payroll Manager for Jon Maddux in 2005.  Her great passion is to help employees, friends and family find healthy ways of communicating.  According to the Gallup StrengthsFinder 2.0 assessment Harmony is her biggest strength.  Gray has been a long time employee of Jon Maddux and continues to help the company grow.  Heather’s life philosophy can be summed up by a quote from John Wooden, “The true test of a man’s character is what he does when no one is watching.” Her current inspirations are her two children who make her want to be a better human being, as she clearly inspires her co-workers in the same fashion.



Cheryl - AE

Cheryl Matheson is the Account Executive at Drop Mortgage. In this role, she is responsible for all aspects of the overseeing loan origination including underwriting, processing and compliance. She oversees daily transactions, generates new leads and business development while providing remarkable service delivery.

Cheryl has more than 16 years of mortgage banking and real estate experience.

Whether you are looking to finance your first home or refinance your current home, Cheryl provides you with fast turn times and excellent customer service to make this important decision flow seamlessly.






If there is a person who could put a smile on your face in the middle of a gloomy day, Chris Hlinka would be that person. Born in Santa Barbara California, Hlinka attended and graduated from SDSU majoring in kinesiology. An active participant in the world of sports, one of Hlinka’s favorite weekend activities is to have a beach day with his family and start up a game of football with his two children.

It is no secret how instrumental of a role his family plays in his life. When asked about what inspires him–being such a source of inspiration around the office–Hlinka simply replied, ” To be the best ‘me’ that I can be and the rewarding calls, referrals, ‘thank you’ cards from borrowers that I help.”

When speaking to Hlinka, you will quickly understand that he is a multifaceted asset, which has been accrued through his many years in sales, aiding in loan modifications, and expanding the sustainable wealth that owning a house brings to his clients. Put your mind at ease and contact Chris Hlinka for any inquiries you may have concerning home financing.




“As a Life Enthusiast, I realize that each day is a gift to be cherished”

In 2006, Brad started his mortgage career after working in the legal industry for 20 years. Since then, Brad has devoted the majority of his time to helping home buyers and current home owners through one of the most difficult economic recessions in recent history. Brad is a specialist in the growing market of non-QM Loans.

Brad attributes his success to “always striving to be the best “and continuously pushing himself to provide greater service. Brad is an avid learner and enjoys taking on new challenges and exceeding expectations.

Growing up in Caracas, Venezuela for most of his formative years, Brad learned to appreciate the diversity of people from different cultures. Today, Brad carries this value forward as he works with his multi-cultural customers.

Brad attended college in San Luis Obispo, California and has lived in the North County of San Diego for over 20 years. Brad is married for 28 years and has two adult daughters. Brad is a consummate outdoors man and enjoys back-packing, world travel, playing guitar and surfing.

I have the privilege of knowing Brad for over 20 years. He is consistently positive, hard-working, insightful, and happy. Brad is creative and resourceful, faithful and fun; he makes friends easily, and he maintains relationships. He loves his family. He is an excellent problem-solver, and his optimistic energy is contagious. Brad is a top pick both professionally and personally. – G. Afshari –



Renata Smith is an experienced Sr. Mortgage Loan Officer, who has been helping families reach their home ownership & refinancing goals for over 16 years.

Renata specializes in transactions that involve complex and “out of the box” income calculations, such as self employed income and bank statement programs. Her clients praise her promptness in responding to texts, calls & emails, and value her straight forward communication style.

Knowledgeable in all aspects of Mortgage Lending, Renata specializes in helping  borrowers with extenuating credit circumstances such as past foreclosures, short sales, bankruptcies, as well as exception-based mortgages for those borrowers who just don’t fit into the standard lending guidelines. Her extensive Lending experience has also equipped Renata  with the knowledge to help her clients solve tough Title and Escrow issues that may otherwise hinder closing of a loan.


Renata has been in the Mortgage Lending industry since 2000, and is licensed to close Mortgage Loans in CA, WA, FL & TX, and holds a CA Real Estate license.


Brandon Boyd has an eternally optimistic attitude and ever pushing work ethic that allows him flourish in the mortgage industry and high end finance world. Specializing in Tailored mortgage solutions for high-end real estate, Boyd has developed a keen understanding of the savvy entrepreneurs’ financial portfolio.

Naturally, Boyd is Branch Manager at DROP Mortgage’s Corp. office and works directly with the founder, Jon Maddux. Originally recruited by Mr. Maddux, he continues to be a strong personal and business mentor.

During his off time, you may find him spending his days at the beach with his wife and children, or running around the Tennis courts. Whether you are a successful entrepreneur who doesn’t fit in the conventional box or a realtor with diverse high-end clientele, give Boyd a call to learn why DROP Mortgage is your greatest asset in Jumbo Mortgage Lending.





Akash Mylatore is a Loan Officer Expert here with Drop Mortgage. Akash uses his expertise, knowledge, and personality to ensure the best for those he works with. Akash is surrounded by a strong team at Drop Mortgage, who work together to get your loan approved. Akash keeps full transparency with his clients and others to ensure the best benefit and the most honest relationship.

“Achieving home financing is a great feeling but it takes much from both the client and the loan officer involved. I am available around the clock and work with complete efficiency until my client has the keys to their home.”

Drop Mortgage sees Akash as not only a great asset to the business, but also as an employee who represents the company in the best of ways with his hard-work, dedication, and energetic personality.





Derick’s extensive sales and customer service background truly makes him an asset to the DROP Mortgage team.  He is dedicated to delivering the highest level of commitment and attention to detail while working with both his clients and co-workers alike – making him a pleasure to work with. In a market that is constantly changing, it is pertinent to be able to acclimate with it and Derick has proven his ability to do so.  Derick thrives in a challenging environment, and his creative strategic thinking plays a key role in bringing his home and project financing solutions into fruition.

Derick was born and raised in San Diego, CA and graduated with a degree in psychology from SDSU with an emphasis in business.  When not working hard in the office, you can find him busy with his property remodeling projects, enjoying the company of his family and friends, and exploring the many amazing dining options that San Diego has to offer.  Derick is also an avid private pilot, and multi-instrument musician.  You can reach him direct at (760) 517-8833






Being raised in Southern California, John South has soaked in the persistence it takes to progress in the city, while maintaining his easy-going composure. South is one of our new loan officers who has completely opened himself up to learning from our top Sr. Officers. Having connections to other realms within the financial industry, South made a choice to pursue a career of providing the best financing for individuals to obtain the home they’ve always envisioned.

Another team member that enjoys traveling, South has travelled the world—backpacking Europe, surfing in Australia and making strong connections along the way. All of us at Drop Mortgage is excited to see the growth he’s obtained thus far and anticipate that he will be one of the best in his field.

Fun Fact: Being such a great skateboarder in his youth, he was contacted by Apple and other talent scouts to be in commercials and cinema.





Ryan is an energetic, hard working and passionate individual that believes each day is an opportunity to live life to the fullest.  In college, Ryan played four years of soccer at Cal State University San Marcos where he felt he had built a family among his teammates.  Now that soccer is over and it’s time for the next chapter in life, Ryan is beyond excited to join the Drop Mortgage team.  Surrounded by multiple seasoned and successful loan officers, Ryan is already taking to the mortgage business with large strides.







Alex NovickAlex Novick grew up in San Diego, CA where he attended La Jolla High school. With a sense of adventure and desire to travel, Alex studied abroad for a year in London, England at the University of Roehampton, studying business and soaking up the experiences of the European culture.


Having his eye set on working in Real Estate, Alex took a position within an appraisal company in Boise, Idaho after his return from London. After gaining knowledge of the value of owning a home, Alex decided to pursue a career in helping borrowers obtain financing at Drop Mortgage. If you were to ask his clients what their experience with Alex was, they would tell of his drive to go above and beyond, in order to give them the best experience possible.


When he isn’t in the office, you may find Alex coaching basketball at the local YMCA or attending local sporting events.



After graduating from the University of San Diego with a degree in finance, Kyle found himself unable to leave sunny San Diego and its perfect weather. Knowing that one must have a competitive edge to progress in this city, Kyle decided to pursue a career in the mortgage industry. In a short time, Kyle has proven himself to be an eager and fast learner. He strives to provide quality service to clients through an efficient loan process. Coming from the world of large lending, Kyle has extensive experience in loan setup and closing. As an addition to the Drop Mortgage team, he is excited to watch the company grow and play a key role in developing setup and closing procedures.

In his free time, Kyle enjoys traveling, music festivals, flag football and leading an active social life.





Nicole Prosser was born and raised in Carlsbad CA.  Her career in mortgages began when she relocated to San Ramon, CA and continued in the industry for over 10 years.  After her tenure, Nicole was fortunate enough to be a stay at home mother for her children. She has now re-entered the Mortgage Industry!  At Drop Mortgage, she helps manage broker approvals, assists the loan processors & the funding department with their day-to-day activities. Nicole enjoys spending her weekend watching her children at their sporting events, along with spending time with friends and family creating fun memories.

Fun fact: Nicole Prosser is a published poet!





It has been said that Jon Tilghman is most known most for his “cooperative personality which can only bring a positive energy to any room he’s in.” He serves as Director of Media at Drop Mortgage and FundLoans, with the objective of creating content for websites, flyers, and individual marketing for loan officers. While attending Carlsbad High School, Jon engaged in extra-curricular activities such as: Football, Wrestling, Powerlifting and participating in American Sign Language shows and events.

While working at La Costa Resort and attending college, Jon also found himself being a youth leader for three years at a local church. Unlike most people, Jon decided to marry his now wife (whom he met on a humanitarian trip to Ivanovo, Russia) at 22 years old.

Jon’s interests and hobbies include: spontaneous traveling, watching films, and going to live shows. His favorite directors are: Quentin Tarantino, George Miller, Martin Scorsese and David O. Russel.




Shane is an intake loan processor on the processing team here at Drop Mortgage. Shane has a background in Luxury Hotel Food & Beverage Management with more recent experience in Property/Casualty, and Life insurance, where he developed a strong skillset for processing.

Originally from the Land of Enchantment (New Mexico), Shane spent most of his life up in Tucson, AZ until 2005 when he decided to move out to sunny San Diego. Ever since his move to San Diego, Shane has taken up surfing and can be found in the ocean in his free time.

Fun fact: He completed his Level I Court of Master Sommeliers certification in 2013.





Tina PhanTina Phan started in the mortgage industry during the meltdown, right after graduating from the University of California, San Diego (UCSD) with a double major in Economics and Visual Arts. To this day, Tina often jokes that she learned mortgage backward, starting with servicing and default as a Foreclosure Analyst, and then lending. Coincidentally, the Dodd-Frank Wall Street Reform, which led to the creation of the Consumer Financial Protection Bureau (CFPB), started in the same manner: setting regulatory compliance in default servicing and subsequently, lending. Since then, Tina has held many compliance roles in the financial service sector to include risk, and health care.

Tina enjoys underwriting, cost accounting, and big data. She is also big on DIY (do it yourself) and is known to take DIY challenges very seriously. She believes that challenges are just a matter of understanding the techniques and metho​ds behind things.




Linda NorrisLinda Norris began her career in the mortgage industry as a loan processor in the year 2000. She has recently moved back to her home of San Diego from Wichita Kansas, where she was working at a bank.

Not only is Linda and her husband veterans, but 5 out of 8 of her children have served or are currently serving in the U.S. military today. With this military background, Linda is known to be among the top well-organized loan processors in her field!

One of Linda’s favorite quotes is “You don’t become what you want, you become what you believe.” This saying motivates her to encourage her coworkers day in and day out!