Working relationships built on trust.

Originally from Southern California, Jerami Marshal spent 35 years in residential mortgage lending working for various organizations on the East and West Coasts. In 2011, he transitioned into warehouse lending at Santander Bank. He and his team were hired by Flagstar Bank following its purchase of Santander’s warehouse portfolio in 2018.


Having complete confidence in his clients is his guiding principle. “I won’t do business with anyone that I wouldn’t give the keys to my house and go away on vacation,” he says. “I’ve turned down high revenue streams from prospective companies that I didn’t trust because I would never put the bank into jeopardy.”

Working out of Plymouth, Mass., Jerami takes a hands-on approach to working with his clients, and does whatever it takes to craft the best solution for each client’s unique needs. “They come to me, and I make it happen,” he says.


Marshal sat on the board of the Mortgage Bankers Association of Massachusetts for 12 years, and while in California, served as a lieutenant in the Los Angeles County Sheriff’s Office Search and Rescue team. He is an avid golfer and enjoys traveling with his wife and daughter.

Holly R. Stetz started her career in the financial industry as a teller. Since coming to Flagstar nine years ago, she has been in the Warehouse Lending division—first as a processor, then working her way up to Assistant Vice President and Relationship Manager. Her previous experience as a processor has taught her the value of really listening to her customers in order to provide the best possible customer service. “The needs of my customers are very different,” Stetz said. “If it’s important to reach out to another department to find the best solution for a client, I won’t hesitate.” Stetz believes that ongoing communication is an integral part of her work. “I don’t like springing surprises on people, so keeping my clients in the loop is very important to me—whether I’m delivering good news or bad,” she remarked. And as she watches her smaller customers grow their way towards larger lines, she knows she’s on the right path. Outside of Flagstar, Stetz enjoys spending her free time with family at her parent’s dairy farm where she grew up. “I like helping my parents with chores around the farm,” Stetz said. “It’s hard work, but much like my job, it’s rewarding when you see everything is running together so smoothly.”
Holly R. Stetz started her career in the financial industry as a teller. Since coming to Flagstar nine years ago, she has been in the Warehouse Lending division—first as a processor, then working her way up to Assistant Vice President and Relationship Manager. Her previous experience as a processor has taught her the value of really listening to her customers in order to provide the best possible customer service. “The needs of my customers are very different,” Stetz said. “If it’s important to reach out to another department to find the best solution for a client, I won’t hesitate.” Stetz believes that ongoing communication is an integral part of her work. “I don’t like springing surprises on people, so keeping my clients in the loop is very important to me—whether I’m delivering good news or bad,” she remarked. And as she watches her smaller customers grow their way towards larger lines, she knows she’s on the right path. Outside of Flagstar, Stetz enjoys spending her free time with family at her parent’s dairy farm where she grew up. “I like helping my parents with chores around the farm,” Stetz said. “It’s hard work, but much like my job, it’s rewarding when you see everything is running together so smoothly.”