michael francis

Michael Francis

Mike founded ExMor Capital in 2008,  and merged with Flatirons in 2013.  Prior to ExMor, Mike was instrumental in building the US Residential Mortgage Trading Desk at Morgan Stanley. Mike worked directly with the top 300 mortgage bankers in the US and managed Morgan Stanley’s relationship with agencies and mortgage insurers.  Prior to Morgan Stanley Mike held senior management positions at Aurora Loan Services (Lehman Brothers) and Loan America. With more than 30 years in the mortgage banking industry, Mike’s experience ranges across  capital markets, risk management, operations, product development and servicing.

Mike has an education in computer science from Control Data Institute and The University of Massachusetts at Lowell. He resides in Williamsburg, VA with his wife Kristin, and has 7 children ranging from age 11 to age 28.