Phil DeFronzo

Phil DeFronzo – President


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Phil DeFronzo is the founder and CEO of Norcom Mortgage. He started Norcom in a rented one-room office in the fall of 1989. Under his leadership, the company has grown to become an upstanding and respected lender.

Although he says that Norcom’s success has been, “All about hiring good people,” Phil has been instrumental in the company’s success. His achievements include increasing revenue, building brand awareness, and growing the business. In 2011, Norcom was recognized as one of the “Fastest Growing Lenders in New England."

While building his business, Phil also served as a Commissioner on the State of Connecticut Ethics Commission from 1991 to 1998, playing a key role in overseeing registered lobbyists in the enforcement of the State of Connecticut Ethics Code. Phil’s hands-on style has earned him numerous accolades for optimizing internal operations and building outstanding customer service. He takes great satisfaction in the team he’s built at Norcom.

“I get to work with a great group of very talented and funny people,” he says.

Phil lives in Avon, Connecticut with his wife, Colleen, and their three children. NMLS ID # 14327

Wes Horbatuck

Wes Horbatuck – Executive Vice President


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Wesley Horbatuck serves as Executive Vice President and Treasurer for Norcom. Wes joined the company in 1991. His responsibilities for Norcom Mortgage include overseeing the company’s financial management, accounts payable and payroll, as well as remittance to any investor. Wes also plays a key role in Norcom Insurance, serving as the manager of the sales team. He oversees the selling and servicing of approximately $7 million in annual written premiums, and works daily with brokers to ensure a high level of client service. Wes is also responsible for Human Resources for both Norcom Mortgage and Norcom Insurance.

Prior to joining Norcom, Wes served in a variety of capacities at General Electric’s Knolls Atomic Power Laboratory in Windsor, CT. A graduate of Rensselaer Polytechnic Institute in Troy, New York, Wes also earned a master of science degree in insurance from the University of Hartford. He is a licensed life and health insurance agent, a property and casualty insurance agent and a professional engineer in the state of Connecticut. Wes lives with his wife and family in Avon, Connecticut.

Sherri Eckles

Sherri Eckles – Senior Vice President, Market Manager


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Sherri serves as Senior Vice President and Market Manager, overseeing several of Norcom’s retail residential mortgage branch offices. In this role she is building a team of lending professionals who are dedicated to providing financial literacy education to clients, and empowering them to help homebuyers make educated financial decisions and find solutions that work best for them and their families. Sherri is passionate about providing access to all of Norcom’s products and tools to best enable Norcom’s Loan Officers to help people achieve their homeownership dreams.

Sherri has 30 years of experience in affordable housing, as well as experience in advocacy and management in the public and private sectors. She has written courses accredited through NAMB on Renovation Lending, Section 184 Lending, and Construction Lending, and has developed specialty products to encourage the purchase and renovation of vacant/abandoned properties, and to provide support for Section 8 Homeownership Voucher holders. She has also made significant efforts to increase minority homeownership and increase access to financial literacy education. Sherri holds a Bachelor of Arts and MBA from SUNY Albany and a law degree from Albany Law School.

Mike Dimech - Executive Vice President, Operations Manager


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Mike Dimech is a 23 year industry veteran with experience in all facets of Operations, Secondary Markets, and IT. His first managerial position in 2005 as an Operations Manager for a Wholesale Division of a large bank allowed him the opportunity to grow an office of 17 employees to 45 within six months. Subsequently, he has held several Sr. Management positions at large banks, mortgage bankers, and community banks. In his current role as Sr. Vice President of Operations at Norcom Mortgage, he strives to maintain the most efficient process while delivering the best experience to all of Norcom’s customers by fine tuning processes and leveraging technology. Mike is a board member of the CT Mortgage Bankers Association, and is the chair of the Technology in Mortgage Banking Committee of the CMBA. Mike resides in Cheshire, CT with his wife and 4 children (3 of which are triplets!).

John Luddy – Senior Vice President of Reverse Mortgage Lending


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John Luddy leverages over 40 years of mortgage origination experience for Norcom Mortgage. For the last twenty of those years, John has dedicated himself solely to the origination of reverse mortgages.

John has helped hundreds of Connecticut families improve their lives by accessing the equity in their home in order to maintain their financial freedom through a reverse mortgage.

John has served on many advisory boards and commissions throughout central Connecticut including the investment committee at the Hospital Of Central Connecticut, the investment committee of the New Britain Senior High School Scholarship Fund and is a past Director of the Mattabasset Regional District. During the last legislative session, John also served on the State of Connecticut's reverse mortgage task force.

During the early part of his career, John assisted thousands of Connecticut families buy their first homes but now John remains passionate to his dedication of the reverse mortgage product.

John is a native of New Britain, Connecticut, presently living in Kensington with his wife Bernadine. They have two grown children.

For more information about reverse mortgages, please visit the Norcom reverse mortgage website.

NMLS ID # 74875

Sheli Flieger

Sheli Flieger – Senior Vice President of Capital Markets


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Sheli Flieger joined Norcom Mortgage in 2008. She serves as Vice President of Capital Markets. In this role, her responsibilities include Direct Secondary and Lock Desk Management, Pipeline Risk Management, setting Hedge Positions using TBAs, overseeing Hedge Positions, and managing loan delivery to Mandatory and AOT commitments.

Prior to joining Norcom Mortgage, Sheli served as a commercial and residential real estate agent for Realty Works, LLC in Canton, Connecticut. During her tenure with the firm, it was one of the first of its kind in New England to receive a GREEN designation. With a strong managerial and entrepreneurial background, Sheli brings diverse skills to her role at Norcom Mortgage. Her educational background includes attending Clark University, in Worcester, MA, for marketing and new business development. She also earned a bachelor’s degree in design and resource management from the University of Connecticut. Sheli is a member of the Mortgage Bankers Association and has been active in a wide variety of professional and charitable organizations. In her spare time, she’s an avid outdoor adventurer, enjoying skydiving, scuba diving, skiing and mountain climbing. NMLS ID # 211006.

Dan Humphrey

Dan Humphrey - Vice President, Chief Financial Officer


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Dan Humphrey serves as Chief Financial Officer at Norcom. He is responsible for financial reporting, managing bank and warehouse lender relationships, and overseeing the accounting and servicing departments.

Prior to Norcom, Dan worked in the software industry in Silicon Valley. He has an MBA from Cornell University focusing on corporate finance and a bachelor degree from Colgate University in Economics. Dan enjoys spending time with his family, Crossfit, hiking, and downhill skiing.