Published: May 11, 2005
Debra Rush-Santens Joins First NLC Financial Services as Texas Regional Sales Manager

First NLC Financial Services, LLC, a
leading nonprime mortgage originator operating in 41 states, announced that
Debra Rush-Santens has joined the company as its Texas Regional Sales
Manager.
With 13 years of mortgage industry experience, Ms. Rush-Santens comes to
First NLC from a leading mortgage lender in Texas where she was Regional
Sales Manager. While there, she managed a team of account executives and
internal operations staff and was accountable for maintaining high
profitability, productivity and service standards.

Ms. Rush-Santens earned a Bachelor of Science, Business Management degree
and a Bachelor of Arts, French degree from Texas A&M University. She will
report to Rob Cosentino, Senior Vice President, Wholesale East Sales, at
First NLC.
"With its substantial housing market and large broker community, Texas is a
tremendous opportunity for us to expand First NLC's strong product lineup,"
said Mr. Cosentino.
"We are especially excited to welcome someone with Debra's qualifications
and Texas lending expertise to the First NLC team," he said. "A native
Texan, Debra contributes solid mortgage sales experience and a seasoned
knowledge of state regulations."
ABOUT FIRST NLC
First NLC Financial Services, LLC, a wholly owned subsidiary of Friedman,
Billings, Ramsey Group, Inc. (NYSE: FBR), is a nonprime residential
mortgage banking company originating mortgage loans in 41 states. The
company has its headquarters and main operations center in Deerfield Beach,
FL, and six regional operations centers in Tampa, FL; Concord, CA; Anaheim,
CA; Orange, CA; Overland Park, KS; and outside of Chicago, IL. First NLC
seeks to provide quality customer service, product and structuring
expertise and consistency throughout the mortgage lending process. For
further information, visit www.firstnlc.com.
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