o2 Mortgage | O2 Mortgage | About Us
We are a small residential finance company located in Campbell, CA. We believe that no matter what we do we must take ownership of it – for our vendors, our clients, and ourselves. Because of this, we have grown exponentially. As we’ve grown, we’ve retained our small-company atmosphere where employees are encouraged to share ideas and make them realities. By partnering state-of-the-art technology and dedicated leadership with the best and brightest employees in the industry, O2 Mortgage Solutions fosters a culture of constant innovation and growth.
O2 Mortgage, TurnKey Mortgage, Mortgage Broker
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o2 Mortgage / About Us

Meet Our Pros

We are a small residential finance company located in Campbell, CA. We believe that no matter what we do, we must take ownership of it – for our clients, our partners and ourselves. Due to this philosophy we have grown at a rapid rate. However, as we’ve grown, we’ve retained our small-company atmosphere where employees are encouraged to share ideas and make them realities. By partnering state-of-the-art technology and dedicated leadership with the best and brightest employees in the industry, o2 Mortgage fosters a culture of constant innovation and growth.

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Branch Manager

David Setti

DRE#01329941 | NMLS#225953

Lives in San Jose, CA
Grew up in Los Angeles, CA

Work Superpowers

Able to communicate without words using only stern looks, amazing quirky sock wardrobe

Supercool Fun Fact

World’s biggest Sharks fan – do you think any of them need a home loan?

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Sales Manager / Sr. Loan Officer

Drew Frampton

NMLS #227685

Lives in San Jose, CA
Grew up in Santa Cruz, CA

Work Superpowers

Mega coffee drinking, keyboard smashing, flirtatious winking

Supercool Fun Fact

He won the posture parade in 2nd grade.

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Sr. Loan Officer

Matt Falconer

NMLS #380797

Lives in Santa Cruz, CA
Grew up in Santa Cruz, CA

Work Superpowers

Diehard bay area sports fan, well-versed in fancy hat fashion, desk nomad

Supercool Fun Fact

In junior high, he purposely lost a wrestling match to a cute girl. Years later, he married her.

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Loan Officer

Scott Bayhouse

NMLS #1603309

Lives in San Jose, CA
Grew up in San Jose, CA

Work Superpowers

Jedi Knight with full command of the force, specialist in customer satisfaction

Supercool Fun Fact

Once took a family trip, drove around the US from California to NYC and back in a four door sedan… and lived to tell the tale!

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Production Manager

Danny Schaezlein

NMLS # 1553477

Lives in San Carlos, CA
Grew up in Belmont, CA

Work Superpowers

Office supply artist, computer crasher, professional paper pusher

Supercool Fun Fact

He is constantly preparing for the Zombie Apocalypse.

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Production Manager

Jessica Jackson

NMLS #1068500

Lives in San Jose, CA
Grew up in Santa Cruz and Clovis, CA

Work Superpowers

Client file organizing master, perfectionist by default, able to move about the office at lightning speed

Supercool Fun Fact

NAUI certified scuba diver who has even dove with sharks!

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Jr. Production Manager

Jamie Sibilia

Lives in San Jose, CA
Grew up in Cupertino, CA

Work Superpowers

To-Do-List builder, client servicing extraordinaire… but first, coffee

Supercool Fun Fact

Former NCAA Athlete… Go Bears! Better then her dog at catching food in her mouth.

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Jr. Production Manager

Ashlynne Gallo

Lives in Morgan Hill, CA
Grew up in San Jose, CA

Work Superpowers

Punctuality, preparedness and the ability to solve any puzzle

Supercool Fun Fact

Her and her husband are on a quest to try as many Michelin rated restaurants as possible.

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Lead Processor

Ryan Boyd

Lives in Los Gatos Mtns, CA
Grew up in Corpus Christi, TX

Work Superpowers

Handyman extraordinaire, coffee mug connoisseur, loan approval decoding whiz

Supercool Fun Fact

He is a black belt in Tae Kwon Do.

  • US

    • Competitive Rates
    • Full Program Offering
    • Open During Banking Hours
    • Open & Available After Banking Hours
    • Guaranteed On-Time Closing
    • Focus on Affordability
    • Advice Based Relationship
    •  One-Size-Fits-All Approach

  • Them

    • Competitive Rates
    • Full Program Offering
    • Open During Banking Hours
    •  Open & Available After Banking Hours
    •  Guaranteed On-Time Closing
    •  Focus on Affordability
    •  Advice Based Relationship
    • One-Size-Fits-All Approach

Program only available in California
The “Keys on Time” program is a limited guarantee that APMC will provide a credit to the borrower of $895 after the close of escrow if, due to some fault on the part of APMC, its originators or other APMC staff, a purchase transaction does not close until a date after the originally stated close of escrow date. The “Keys on Time” limited guarantee does not apply if the purchase transaction fails to close on or before the anticipated close of escrow date due to events/circumstances beyond APMC’s control, including but not limited to, delays caused by: an unacceptable or unexpectedly low appraisal value on the subject property, acts or omissions by the escrow or title company, second lien holder approvals, short sale approval, or loan conditions imposed by the lender that, despite reasonable diligence by APMC, are not met by any party in a timely manner. The “Keys on Time” limited guarantee trigger begins when the initial loan package is received by APMC’s Fulfillment center. The complete loan package must be received in the APMC Fulfillment center a minimum of 20 days prior to the COE date. Exclusions: The limited guarantee does not apply to the HARP program, reverse mortgages, FHA 203k, non-delegated jumbo products or any loans that require prior approval from an investor. The limited guarantee applies to purchase transactions only. All programs are subject to borrower and property qualifications. Rates, terms, and conditions are subject to change without notice.

  • Matt has been an indispensable resource to my real estate business over the years

    - Maggie B. (Boulder Creek, CA)

  • I initially went to my bank to get a mortgage (...) and ultimately wasn't able to give me concise answers to my questions (O2 Mortgage) was a completely different experience

    - Parisa T. (Mountain View)

  • I can never look at another white board the same again!

    - Yen T. (San Jose, CA)

  • We met with three other mortgage brokers before we found Dave

    - Sonya B. (San Jose, CA)