805-504-3919

About Us

Welcome To eSummitLoans Inc!

At eSummitLoans Inc, we’re more than a full service mortgage and commercial broker. We’re here to help. Leadership here is a responsibility, not just a title, and our focus is working together to match individuals and businesses with loan options that fit their goals. We aim to make every client feel supported and cared for throughout the process.

A Smarter Approach for Homebuyers and Investors

Step 1 — Connect

We start with a real conversation about your goals, timeline, and financial picture. Every loan begins with understanding what matters most to you.

Step 2 — Guide

We review your options across a wide range of mortgage and commercial products and explain them clearly, so you can make informed decisions with confidence.

Step 3 — Close

From processing to final approval, our in house team and technology work together to keep your loan moving smoothly all the way to closing.

Built on Integrity. Designed Around You.

Whether you're buying, refinancing, investing, or expanding your business, our team is here to guide you with clarity and care. We meet you where you are and help you move forward with the right financing strategy.

Clients who work with us:

Everything You Need for a Better Lending Experience

Experienced Leadership

Our core management team brings over 100 years of combined experience in mortgage and commercial lending. Leadership here is a responsibility, focused on guiding clients with clarity, accountability, and integrity.

We believe good lending starts with honest conversations, accurate information, and keeping our word.

Service Backed by Systems

We operate with an in house processing team and structured workflows designed to keep your loan moving efficiently.

From compliance and documentation to communication and closing, our tools and technology support a smooth experience without replacing the personal service you deserve.

The Experts Behind Your Success

Rhys Morris

CEO

Rhys Morris is a seasoned mortgage and banking professional with over two decades of leadership experience in residential lending and sales management. He has served as a Branch Manager with U.S. Bank, where he oversaw high-performing teams across California, Washington, and Arizona, driving sustainable growth while upholding rigorous regulatory standards and delivering exceptional client service.

Previously, Rhys held Regional Manager roles with Union Bank and BBVA Compass, where he built and led large, multi-state mortgage teams and achieved annual production volumes of up to $500 million. His expertise includes conventional, FHA, renovation, CRA, LMI, and wealth-based loan solutions, with a strong emphasis on cultivating long-term relationships with clients, realtors, and key centers of influence.

Rhys holds an MBA in International Business Management from the University of Hawaiʻi at Mānoa and a law degree from the University of Aberystwyth in Wales. He is recognized for his strategic leadership, commitment to excellence, and proven ability to develop top-performing loan officers who consistently deliver results.

Deeply committed to community service, Rhys has served in leadership roles with Habitat for Humanity in both Texas and Santa Barbara for more than ten years. He currently serves as the 2026 Chapter President for the Asian Real Estate Association of America (AREAA) Ventura County. Outside of his professional work, Rhys is an avid gourmet hot sauce maker. His fundraising efforts through this passion have raised over $8,000 for AREAA Ventura County, earning him the well-known community nickname, the “Hot Sauce Man.”

Michelle Nguyen

V.P. of Operations and Technology

Michelle Nguyen is an experienced real estate professional with more than 35 years of industry expertise spanning residential appraising and real estate sales. She began her career as a state-certified residential appraiser, spending over two decades valuing a broad spectrum of properties—from single-family homes to complex, multi-million-dollar estates—throughout Ventura County, Los Angeles County, and Orange County

Michelle holds a Bachelor of Science in Business Administration with a concentration in Real Estate Finance & Real Estate, a background that strengthens her analytical approach and market insight. In 2019, she founded the Ventura County Chapter of the Asian Real Estate Association of America (AREAA) and served as its inaugural President, reflecting her dedication to leadership, professional excellence, and community engagement. Michelle and her family have proudly called Simi Valley home since 1989.

Nadia Dayao

V.P. of Operations and Technology

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Trust & Commitment You Can Feel

Many of our clients are referred to us or return for future financing. That trust is built through consistent communication, follow through, and doing what we say we will do.

We believe integrity is something people sense long before it is written on a website. Every email, call, meeting, and loan file reflects our commitment to honesty, transparency, and respect.

From protecting confidential financial information to maintaining strict compliance standards, we treat your trust as a responsibility, not a transaction.

Our culture is not just policy. It is lived out daily through clear communication, ethical decision making, and genuine care for the people we serve.

Guiding You Home with Confidence

Backed by decades of combined experience and a reputation for reliable results, we’ve helped families and investors nationwide achieve their homeownership goals.

Experience That Matters

Our core management team brings over 100 years of combined industry experience. That experience allows us to navigate complex scenarios, anticipate challenges, and provide practical guidance you can rely on.

Many of our clients come through referrals or return to us for additional financing. That trust is earned through consistent follow through and straightforward communication.

Whether it’s your first home, dream home or your investment home loan…We bring you home!

ESummitLoans Inc. is a licensed mortgage broker. All loan programs are subject to credit approval. Rates and terms are subject to change without notice.