Paul Ciarfello has been named vice president and chief credit officer at Home123 Loans Direct!, Ponte Verde Beach, Fla.Mr. Ciarfello, a 23-year veteran of the subprime mortgage industry, was most recently vice president and deputy chief credit officer for Alliance Funding. Home123 said Mr. Ciarfello's chief duties will include overseeing the company's underwriting operations, building investor relations through secondary marketing efforts, and managing appraisal review. The company can be found on the Web at http://www.home123.com.
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