“They’ve
been
on
the
hunt
for
somebody
for
quite
some
time
and
we’ve
had
multiple
talks.
I’ve
hung
out
with
them
a
few
times
and
we
seem
to
be
in
complete
alignment
as
to
what
we’re
trying
to
do
together,
where
we
see
the
vision
of
the
mortgage
industry
in
the
next
two
to
five
years,
what
the
future
of
the
mortgage
originator
looks
like.”

“Lower
is
building
the
number
one
homeownership
platform
for
originators
and
consumers
in
the
country.
As
we
experience
rapid
growth
and
continue
to
expand
our
presence,
Gino
brings
the
leadership,
vision,
and
expertise
we
need
to
expand
our
West
Coast
footprint,”
Lower
CEO
and
co-founder

Dan
Snyder
said
in
a
statement.

Fronti
has
been
the
Western
regional
manager
for

PRMG
since
November
2022.
Prior
to
that,
he
served
with
several
other
companies
in
the
mortgage
and
financial
services
sectors
—
including

Finance
of
America,

Skyline
Financial
Corp.
and

Cherry
Creek
Mortgage.

Fronti
also
serves
as
chief
financial
officer
for
sales
and
coaching
platform

Momentum
Builder,
which

grew
its
footprint
in
November
2024
by
acquiring

Sales

Mastery.

According
to
data
from

Modex,
Lower
has
525
licensed
LOs
operating
across
69
branches,
and
it
originated
$3.66
billion
in
mortgages
during
the
past
12
months.

Lower’s
tech-driven
consumer
platform
and
its
push
to
streamline
the
loan
production
process
was
a
main
draw
for
Fronti.
One
of
his
tasks
is
to
“develop
and
execute
on
the
strategic
road
map
for
loan
officers
to
use
AI,”
which
involves
creating
and
using
tools
built
by
originators,
not
by
tech
people,
he
said.

Fronti
pointed
to
Lower’s
May
2025

acquisition
of
real
estate
portal

Movoto
as
a
signal
that
the
company
is
serious
about
connecting
with
consumers
earlier
in
their
homebuying
journey.

“Basically,
there’s
only
one
other
company
doing
that
—
that’s

Redfin,

Rocket
and

Mr.
Cooper,”
Fronti
said.
“To
have
an
IMB
in
the
space
make
that
kind
of
move
tells
me
they’re
forward
thinking
and
leaning
into
the
future.”

He

echoed
the
thinking
of
other
mortgage
industry
leaders
by
saying
that
“AI
is
not
going
to
replace
loan
officers
today.”
Rather,
Fronti
believes
it
can
enhance
their
skill
set
by
communicating
with
clients
through
an
often
long
and
arduous
process.
He
added
that
the
problem
isn’t
tied
to
loan
processing
since
his
team
can
typically
close
in
15
days.

“From
the
moment
that
somebody
gets
curious
about
a
home,
it
is
the
longest
time
cycle
that
we’ve
ever
seen
between
the
time
that
they
inquire
and
the
time
that
they
close
—
we’re
seeing
18
to
24
months
right
now
from
lead
to
closing,”
Fronti
said.

“The
amount
of
nurturing
that
takes
is
where
AI
can
step
in,
to
continuously
nurture
and
give
the
consumer
value
on
a
regular
basis
and
make
them
more
sticky
to
our
organization.”

“We’re
pleased
to
welcome
Gino
as
he
steps
in
to
lead
our
West
Coast
expansion
and
advance
our
technology
initiatives
at
Lower,”
said
Nicholas
Gallagher,
EVP
and
chief
production
officer
at
Lower.

“In
recent
months,
nearly
$500
million
in
annual
production
has
joined
us
in

California,
signaling
strong
market
momentum
and
the
value
of
our
platform.
Gino
is
uniquely
suited
to
lead
this
next
chapter,
and
we
look
forward
to
what
we’ll
accomplish
together.”