Meet Your CalPATH Team

CalPATH is more than just a mortgage loan and Mountain West Financial is more than just another mortgage lender.

We help teachers, police officers, firefighter’s and other California public employee’s budget, save money and develop a financial plan for retirement by utilizing their home mortgage as a wealth building tool.

Take a few moments to get to know your CalPATH team!


Management, Customer Service & Operations

Joe Moore
Diamond Club

Joe Moore
Branch Sales Manager
CalPATH Home Loan Advisor
NMLS# 333648
Direct: 800-310-7577
Email: hb@mwfinc.com

Joe Moore heads up the CalPATH Division of Mountain West Financial and has managed the Huntington Beach office since 2012.
Joe's team specializes in working with Teachers, Police Officers and Firefighters, offering the CalPATH Home Loan program in the state of California.
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Kathy Gullo

Kathy Gullo
Branch Operations Manager
Senior Loan Processor
Direct: 661-645-4308
Email: kathy.gullo@mwfinc.com

Kathy Gullo has been with the Huntington Beach office of Mountain West Financial since 2014 as the Branch Operations Coordinator & Senior Loan Processor. Kathy is a dedicated mortgage lending professional with over 14 years of experience as a loan processor and operations manager
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Sarahi Bowling

Sarahi Bowling
CalPATH Administrator (LOA Supervisor)
Account Manager for Joe Moore
Direct: 951-317-7203
Email: sarahi.bowling@mwfinc.com

Sarahi Bowling has been a part of the Administration Department with Mountain West Financial since 2010 and the department Lead since August 2012. Sarahi is now the HB offices CalPATH Administrator and Account Manager reporting directly to Joe Moore, the branches sales manager.
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Samantha Rubio

Samantha Rubio
Customer Satisfaction Liaison
Account Manager for Joe Moore
Direct: 714-296-0453
Email: samantha.rubio@mwfinc.com

Samantha Rubio joined MWFHB in 2021 as the branch's Customer Satisfaction Liaison and account manager working directly with Joe Moore, the branches sales manager.

Samantha's primary responsibility is to ensure every borrower receives "5 Star" customer service experience from our CalPATH advisory team members.

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Kris Seto

Kris Seto
Loan Officer Trainee
Account Manager for Joe Moore
Direct: 760-899-1769
Email: kris.seto@mwfinc.com

Kris Seto is a graduate of San Diego State University with degree in Finance. He has spent the last 12 years in health care industry as a senior living administrator.

Kris is currently enrolled in Mountain West Financials loan officer training program and is working directly with Joe Moore, the branches sales manager as an account manager.

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Team Berry

Gary Berry
Diamond Club

Gary Berry
CalPATH Home Loan Advisor
NMLS# 1565089
Direct: 949-690-2144
Email: gary.berry@mwfinc.com

Gary Berry joined Mountain West Financial family in 2016 as a CalPATH Mortgage Loan Originator to benefit CalSTRS & CalPERS retirement fund members who serve our local communities in California and out of state. Gary is a welcome addition to our team, bringing over 15 years of management and customer service experience.
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Kylie Mell

Kylie Mell
Customer Satisfaction Liaison
Account Manager for Gary Berry
Direct: 714-398-9305
Email: kylie.mell@mwfinc.com

Kylie Mell is a seasoned mortgage lending professional with years of experience working as an account manager and loan officer assistant. Kylie is a welcome addition to our CalPATH advisory team bringing exceptional sales, operations and customer service experience to our management staff.
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CalPATH is our way of saying Thank You for all you do to serve your local community.