Fred Elflein is a seasoned mortgage professional with over 35 years of experience in the mortgage and financial services industry. Currently, Fred serves as a Loan Officer at PENNYMAC, building on a distinguished career that includes roles such as Co-Founder, President & CEO of Livingeazy, Inc., and Vice President Market Leader at Cardinal Financial Company. Fred has demonstrated expertise in managing large sales teams and possesses a comprehensive knowledge of marketing strategy, financial analysis, and leadership. Holding Residential Mortgage Loan Originator Licenses in Virginia, Florida, and Maryland, Fred is dedicated to helping homeowners achieve their dreams while optimizing business performance. Fred earned a Bachelor of Arts from Creighton University.
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