About Lantern Financial

Kenneth A. Carmona has over 40 years experience in mortgage lending and foreclosure administration. His past employment positions include, Executive Vice President of PacificAmerica Money Center, Executive Vice President of Presidential Mortgage Company, Executive Vice President of Pacific Thrift and Loan Association, President of Consolidated Reconveyance Company (CRC), President of Consolidated Reconveyance Company of Washington (CRCWA), and President of Lenders Posting and Publishing Company (LPPC).

As President of Consolidated Reconveyance Company, he was instrumental with the administration of over 30,000 modifications, workouts, forbearance and foreclosures and the complex issues, that arose from these proceedings. In 1998 he sold the Consolidated Reconveyance Companies (CRC, CRCWA, LPPC) to Chicago Title and Trust Company.

Mr. Carmona received his Bachelor of Science Degree in Finance with a Real Estate Specialty in 1980 from California State University, Northridge. He is a California Licensed Real Estate Broker. He has been involved with loan workouts, loan sales, and loan purchases and has orchestrated many bulk sale and acquisitions with institutional lenders and the FDIC.

In December 2001, Ken joined Lantern Financial Corporation. Since then, he has led the growth of Lantern Financial becoming the Leader, in Commercial Real Estate Lending in Southern California.

Ken is active in the community and is a member of the Executives. He served on the Dean’s Council of Business Advisors at California State University. He is the past Chairman of the Board and a past Director for the Morrison Ranch Homeowners Association and a past Director of Los Angeles Sephardic Home for the Aging (LASHA).

Other past Director positions included California Trustee Association, California Association of Thrift and Loan Companies and PacificAmerica Money Center.

Lusine Hayrapetyan, Vice President, Investment Services, manages the Lantern Financial Investment and the REO Department. She joined the company in 2003 and learned the business, first as an Insurance Clerk and later advanced to become the Supervisor of Investment Services where she became a Real Estate Licensee.

She and her family immigrated to the United States in 1997, Lusine speaks four languages. Armenian, Russian, English, and Spanish. With the multicultural world that Los Angeles has become, she regularly acts as a translator for many of our customers.

Lusine graduated from California State University, Northridge with an undergraduate degree in Biology and later earned her MBA from California State University, Monterey.

Barry Judis has over 48 years of experience in the private or "hard money" lending industry. His primary responsibility with Lantern is originating 1st and 2nd position mortgage loans obtained from his extensive network of both real estate and loan brokers. Before Lantern, Barry served as a Senior Account Executive at Northern California based Redwood Mortgage. Before that, he was Executive Vice President and Chief Operating Officer of All California Funding located in Encino, California. Barry began his career at Aames Financial Corporation in Los Angeles, where he worked for 24 years, eventually rising to Vice President in charge of the company's private investor division. His early entry into the field allowed him to obtain experience in all facets of the business, including loan servicing and origination, underwriting, appraising, investor sales, and corporate management. Barry holds a California Real Estate Broker license with a Mortgage Loan Originator Endorsement. He received a BA in Psychology from California State University Northridge. A San Fernando Valley native, Barry is married and currently resides in Oxnard, California, with his wife Sam and their Dachshund/Chihuahua dog Lucy.