About our company

An Inside Look

our mission

To provide high level counsel, based on real world experience, in the Reverse industry, that empowers mortgage industry professionals to create lasting solutions to today’s retirement challenges and grow their business to incorporate a full suite of options for their consumer base.
To share with the industry best practices to partner with and educate the trusted advisors and consumers to ensure the Reverse Mortgage product is utilized to best meet the individual needs of their senior client.

our vision

To empower mortgage professionals with the highest level of education, utilizing; strategies, workflows, operations standards, policies and procedures to enhance their consumers experience as well as the professionals that work with them. To ensure an overall exceptional experience from application through payoff and to educate and empower the industry to provide real solutions that mirror the needs of their consumers.

our values

Integrity, transparency, sincerity, honesty and passion

Where Savvy Meets Strategy…

Company Overview:

Harbor View Consulting LLC was founded in 2016 to provide high-performance, expert financial consulting and advising in all aspects of the Reverse Mortgage industry. Experienced in large acquisition, origination, servicing, operations optimization and development of systems and work-flows to maximize performance.

The Harbor View team is anchored by elite industry talent and top niche subject matter experts: financial and consulting professionals that are the best of the best, having more than 140 years’ experience.

Our goal is to assist you with shaping and successfully implementing your business model and helping you enter, acquire or develop your market by making the right critical choices and decisions.

As your trusted partner, Harbor View, leveraging our extensive background and experience, will customize a pathway to meet your ultimate goals within the Reverse Mortgage industry. We have an emphasis on regulatory adherence, which we believe is foundational to longevity.

We have the experience and relationships in place to assist you in maximizing your Reverse Platform to elevate profits and minimize risk.

John Nixon


John has 33 years of experience in all aspects of Mortgage Lending. He has Executive Level Experience in building and leading successful mortgage operations for both small, regional, and large institutional firms. John has a strong background in all aspects of managing a full-service mortgage operation in the United States.

John managed the Seattle Mortgage Reverse Mortgage Division, which was number two in the nation at the time that it was sold to Bank of America in 2006. He continued to be a senior manager in the Reverse Division until they exited the business in 2011 and remained with them through 2016, overseeing the 2 billion dollar Reverse Mortgage portfolio.

Core Modalities:

  • Building and leading a full-service mortgage lending organization
  • Proven track record of leading companies and divisions to high levels of performance
  • Relationship driven with key internal and external partners

Diane Coats

Senior Vice President

A highly experienced individual in the mortgage banking industry with a demonstrated ability to lead cross-functional teams and direct reports to deliver innovative strategies and drive results. Strong business qualifications and proven track record in loan administration, default operations, project management, risk management and compliance with specialization in Reverse Mortgage project and program management.


Core Modalities:

  • Comprehensive knowledge of the HECM Reverse Mortgage product
  • Project management with emphasis on strong communication and relationship building.
  • Process analysis and optimization

Kim Wagoner

Senior Consultant

Kim is a visionary leader in Operations Optimization including process efficiency, analysis and quality control. She implements workflow strategies and enhancements to increase productivity while retaining the highest levels of quality and service. Kim is a first-rate expert in mortgage lending with focus experience in start-ups and overseeing multi-site retail and wholesale operations teams.

Core Modalities:

  • Determine location strategy for building out best-in-industry operations teams based on availability of key talent, cost-to-acquire and cost/ability-to-retain
  • Develop compensation and bonus plans that retain key talent while ensuring goals-based results
  • Building strong relationships with business partners to ensure cohesive working teams and communication
  • Balancing service, quality and productivity in a fiscally prudent and compliant environment

Sharon Falvey

Senior Consultant

Sharon is the go-to resource for designing business models, compensation plans, market strategies, motivation and thought leadership. Her core expertise is strategic market development leveraging market intel with a focus on Business Plan & Proforma development. Sharon is a recognized subject matter expert with 20 years’ experience in the Reverse industry with some of the major market leaders.

Core Modalities:

  • Strategic visionary
  • Recognizing current market trends and future opportunities
  • Evaluating and matching client needs for the right solution
  • Sales training and motivation


Sally Bene

Program Director

Sally Bene is the former Program Director for the Tulsa branch of HUD’s National Servicing Center, with responsibility for oversight of HECM servicing. Sally was integral to the HECM regulatory revisions completed by HUD in 2017.  In addition to her responsibilities to the HECM program, Sally was responsible for a number of specialized FHA mortgage programs and HUD’s Loan Servicing contract.  After more than 28 years of service, Sally retired from HUD and is now adding her extensive experience to the Harbor View team.

Core Modalities:

  • Proficiency in Federal Regulations
  • Extensive knowledge of Reverse Mortgage guidelines
  • Excellent research capabilities
  • Organized and detail oriented, providing thorough and successful projects

Deborah (Chris) Pitts


Chris Pitts currently holds a Consultant position with Harbor View Consulting, LLC, where she works with the Harbor View Team to provide professional reviews and analysis of loan portfolios. She has held numerous positions in the mortgage servicing, vendor services industry over the last 40 years to include: Vice President in the default servicing division of Wachovia Bank, Vice President/Default Administration Manager at Wendover Financial Services, Vice President of Sales at LRES Corporation, Project Analyst/Client Services at Reverse Mortgage Servicing. Her experience covers both the Forward and Reverse Mortgage Loan products. Over the past years, Chris has been an active participant in industry conferences to include speaking on various panels. She has also successfully completed the advanced underwriter courses through the NMUA.

Core Modalities:

  • Expert Portfolio Analysis
  • Extensive knowledge of Reverse and Forward Mortgage Loan products
  • Expert in default servicing processes

Kourtney Pefley


Kourtney has a diverse background in the mortgage industry including: Reverse Mortgage Consulting, Regional Sales Management Support, Processing, and Underwriting. Her underwriting background specialized in the condominium underwriting process and reviewing documentation for compliance with Delrep and HUD published requirements and mortgagee letters. She has a demonstrated ability to overcome changing and challenging environments. Kourtney has excellent team-building and relationship management skills that can be utilized with her varied experience to unify diversified departments and programs.

Core Modalities:

  • Fostering communication
  • Conducting trainings and team development
  • Superb organizational skills and scheduling
  • Event planning
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