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Our Leadership Team

Drawing on decades of experience, the HomeExpress Direct leadership enable a highly talented team of mortgage lenders to effectively assist our clients.



As President and CEO of HomeXpress Direct, Kyle Walker is responsible for implementing the Company’s mission through effective leadership, vision and management. His previous roles include six years as Manager for Home America, where he developed a business strategy of creating investment funds which purchased REO’s nationally. Previously, Mr. Walker served as the President and Chief Executive Officer for Fremont Investment & Loan, a $14B California chartered industrial bank that engaged in the origination and sale of wholesale sub-prime residential mortgages, commercial real estate lending and retail banking.In this position, he oversaw 3,300 employees and directed a national residential real estate lending platform with five regional locations, resulting in over $30B in annual production and a $28B servicing portfolio. During his fourteen-year tenure at Fremont, Mr. Walker also held the titles of Chief Operating Officer and Executive Vice President of Residential Real Estate Lending. He started his career with Associates Corp and over a ten year period held numerous management level positions. Mr. Walker earned a Business Administration degree from Washington State University at Pullman.



Senior Vice President Operations

Bob Clafford currently serves as head of Operations for HomeXpress Direct, where he is responsible for underwriting and all operational units, risk management and the maintenance of profitable long term relationships. Before joining HomeXpress, Mr. Clafford spearheaded production teams in Southern California for Mountain West Financial and PMAC. He also served as Senior Vice President for the Residential Real Estate Division of Fremont Investment & Loan, overseeing nationwide production teams of 1500 in Sales & Operations and Marketing while generating in excess of $3 billion of loan volume per month. Prior to this, Mr. Clafford was Regional Vice President with Associates Financial Services, where he directed staff members at 12 US locations, driving record profits. Earlier in his career, Mr. Clafford also ranked among the nation’s top Branch Managers at BNY Mellon. Bob majored in Business at The College of DuPage and has completed elite training programs in senior level financial services management.



Senior Vice President/Controller

Drawing on his executive management experience with both Fortune 500 companies and smaller private institutions, Mike Koch serves as Controller for HomeXpress Direct overseeing accounting, finance and capital markets activities. In his current role, Mr. Koch is responsible for analyzing and interpreting company data in order to implement change and drive performance. He conducts financial modeling, forecasting, asset-liability management, liquidity management, and segment profitability reporting. In addition, he will be working to establish new relationships with banks, broker/dealers, and lending partners. In his previous positions as Chief Financial Officer for Evangelical Christian Credit Union (ECCU) and as Senior Vice President of Capital Markets for Fremont Investment & Loan, Mr.Koch was responsible for monitoring financial performance and oversight of various departments. He served on the Supervisory Committee and Board of Directors of Eagle Community Credit Union for over a decade and as Chairman of the Board for three years. Mike holds a graduate degree in Economics from The University of Southern California.


HOMEXPRESS MORTGAGE CORP. State Licensing Information NMLS ID:1446044

Submitting this form does not obligate you to enter into an agreement with HomeXpress; nor does it constitute an application for a mortgage loan. Submitting this form does authorize to deliver this form to a HomeXpress mortgage loan officer who will contact you by phone and/or email to respond to your inquiry into the HomeXpress mortgage programs and financing solutions.