ginnie mae
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About US

The Ginnie Mae and Fannie Mae Expert


Vicki has over 25 years in the mortgage banking and lending industry with hands on experience in underwriting and origination practices,  Her expertise includes, compliance, Ginnie Mae MBS Issuance, GNMA, Fannie and Freddie Loan Delivery and designing tailored training programs.

In the San Francisco area Mrs. Bonardi has most recently served as the Chief Operating Officer for Pacific Union Financial and as Director of Mortgage Banking at Twin Capital Mortgage. Prior to living in Northern California she served as Vice President of Long Beach Mortgage/Washington Mutual and Director at Morgan Stanley Dean Witter Credit Corp. in the Chicagoland area.

Vicki earned her bachelors degree in Pre-law and Public Policy from Michigan State University in 1985. She continued her academic pursuits and earned a Master's degree in Business Administration from the University of Detroit in 1987.

Vicki is active in a number of professional organizations and a member of the National Association of Mortgage Professionals and the National Association of Professional Women.

Vicki is a high impact high energy problem solver.



Michael received his Bachelor's Degree from the University of Michigan and his Masters Degree in Computer Science from Stanford University.  He is a 16 year veteran of the software industry and has held various management positions at leading high-tech companies such as Oracle, Informatica, Inquisite and Escalate.  Michael is an expert at data warehousing, data mining for reporting, document content management, SQL writing and client server and groupware.  Michael can produce reporting systems from decision support using data to its highest potential to solve complex business needs of banks, credit unions, mortgage bankers and mortgage brokers.

Michael is also a published author that is dedicated to the pursuit of excellence in education for children.  Michael is also a member of the California Board of Advisors for, a non-profit organization providing support for parents with children in K-12 grades.








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