Meet the RFG Team

Susan Naftulin

Susan Naftulin

President and Co-Founder

Susan founded RFG with partner Jeffery Goldberg in 2009.  In addition to serving as President of RFG, Susan also serves on the American Association of Private Lenders Ethics Advisory Committee (Susan’s AAPL profile) where she continuously upholds the real estate industry’s values, and supports professional conduct in private lending.

Prior to becoming President of RFG, Susan held several senior management positions in the mortgage industry, including General Counsel, Managing Attorney, Chief Operating Officer, and Senior Vice President for both privately and publicly held mortgage lenders.  Prior to entering the mortgage industry, Susan was a creditors’ rights attorney with the Philadelphia Law Firm of Fox Rothschild LLP.

Susan earned her law degree from the University of Pittsburgh, and has two Bachelor of Arts degrees from Carnegie Mellon University, one in history and the other in secondary education.  Susan currently lives in suburban Philadelphia with her husband, and enjoys spending time with her two adult sons.

John V. Santilli

Chief Revenue Officer

John joined RFG in July 2019, and is responsible for all opportunities connected to the growth of RFG.  He is focused on expanding the company’s sales channels to maintain their position as a leader in rehab financing.

Prior to joining RFG, John had 25 years of lending and marketing executive leadership experience across multiple private and public marketing-dependent companies.  He had managed companies from start-up to maturity ranging from $2.5M to over $50M in annual revenue.

John earned a Master’s Degree in Management from the University of Pennsylvania and a Bachelor’s Degree in Business Administration with a concentration in Marketing from Drexel University.  He currently resides in Wynnewood, PA, with his three children, and enjoys family first, live music, and finding the perfect balance of work hard/play hard.

John Santilli
Matt Bente

Matt Bente


Matt joined RFG in June 2018 as the Financial Controller, and quickly integrated himself into much more than the financial management of the firm, including overseeing all borrowers and expanding relationship management.  He was promoted to CFO in December 2019, and has worked to revamp all loan terms and rates, allowing RFG to partner with more borrowers than ever.

Prior to joining RFG, Matt was a Senior Indices Derivatives Trader  at Belvedere Trading in Chicago for almost six years.  He assisted in the firm’s positional management of a $150M S&P 500 portfolio, and was also co-manager of its $10M VIX portfolio.  While working with numerous brokers, he became the head relationship management specialist for both desks.  These experiences allow Matt to keep a pulse on the markets and rate shifts, and how they would potentially impact RFG’s real estate portfolios.

Matt earned a Bachelor’s Degree in Business Administration with a concentration in Finance and Marketing, and a minor in Innovation, Entrepreneurship, and Economic Development from the Tepper School of Business at Carnegie Mellon University.  While at Carnegie Mellon, he played for the Tartans’ football team, a Division 3, UAA Team.  Originally from Hollywood, FL, Matt currently resides in Wyncote, PA, with his wife and two children.  He enjoys watching and playing all sports, and is excited to continue learning and growing through his work at RFG.

Brian M. Augsberger

Director of Sales & Marketing

Brian joined RFG in September 2015.  Prior to that, Brian cultivated relationships with ultra-high-net-worth clients of JP Morgan Private Bank.  He also worked in McCann Erickson’s Sydney and Gold Coast offices, procuring new business across Australia.

Brian earned a Master’s Degree in Communication-Advertising from Bond University in Australia, and a Bachelor’s Degree in Marketing from St. Joseph’s University.  While at St. Joe’s, he played on the Hawks’ varsity baseball team.  Brian is also a proud alumnus of Salesianum School, a Roman Catholic independent school for boys located in Wilmington, DE.  He currently resides in Philadelphia, PA.

Brian Ausberger
Matt Breen

Matt Breen

Underwriter & Secondary Market Product Manager

Matt joined RFG in January 2020.  Prior to that, he had been in the mortgage/lending industry for almost 20 years in various roles from Sales, Operations, and most recently in several different Risk/Compliance Underwriting positions.  He lived on the West Coast for 5 years, and was a loan counselor as well as a licensed real estate broker, so he understands all sides of the fix-to-flip equation.

Matt earned a Bachelor’s Degree in Law/Criminal Justice from Rowan University.  Born in Philadelphia, PA, and raised in Washington Township, NJ, he currently resides in Rosemont, PA, with his wife and two children, as well as a dog named Zoe, a cat named Star, and a fish named Carson Wentz.  Matt coaches youth soccer and softball for the Radnor Athletic League, and enjoys running, surfing, craft beer, and various outdoor activities with his family.

Lisa Allen

Underwriting & Processing Manager

Lisa joined RFG in January 2020.  Lisa started her lending career over 30 years ago in the banking and lending industry. With an excellent background and experience in processing, underwriting, and management, she was most recently an Operations Officer for 11 years for two prominent mortgage companies.

Lisa earned a Bachelor’s Degree in Education from Fairleigh Dickinson.  Born in Philadelphia, PA, she currently resides in Williamstown, NJ, with her daughter and her cat.  She is an avid traveler, and enjoys trying new restaurants.  Her proudest moments are spent watching her daughter participate on the track & field team at her school.

Lisa Watson
Dipali Patel

Dipali Patel

Loan Processer

Dipali joined RFG in March 2018, bringing over eight years of finance and banking experience to the table.  Prior to that, she worked at Vanguard as a Client Relationship Associate assisting in marketing a variety of financial products, services, and programs to individual and institutional investors.

Dipali earned a Bachelor’s Degree in Finance from the University of Wisconsin.  She currently resides in Wayne, PA, with her family.  When not working, Dipali enjoys time with her family, raising her two children, and likes to travel, bike, and cook for her family and friends.

James Schreffler

Underwriter & Loss Mitigation Specialist

Jim joined RFG in Aug of 2020. Prior to joining RFG, Jim held leadership positions in three prominent lending and servicing organizations for over 30 years. Jim joins RFG with over 30 years of mortgage experience with an expertise in underwriting and servicing of Residential and Commercial Real Estate.

Jim earned a Bachelor’s Degree in Business Administration from Slippery Rock University. Born in Central PA, Jim has relocated several times and currently resides in Warminster, Pa.  He has three boys and is an avid golfer.

Toni Jones

Toni Jones

Account Executive

Toni joined RFG in August 2020.  She brings over 20 years of experience in real estate, lending, sales, and operations, having worked with Fannie Mae, Freddie Mac, HUD and other national organizations.  Toni is a licensed Florida Real Estate Broker and has rehabbed and flipped hundreds of properties over the last decade.  Her favorite part of the business is working with investors and she looks forward to helping them reach their goals by partnering with RFG.

Toni is a native of Florida and currently resides in the Palm Beach area.  She has three adult children, 1 granddaughter and 1 fur baby, her little dog Lexi.  She loves spending time with family and close friends, and enjoys nature walks, yoga, and meditation.

Gil Pementel

Account Executive

Gil has been involved within the real estate, mortgage, alternative lending and property rehab spaces for over 30 years. Having completed many of his own purchase, fix and flip properties as well as many buy and holds, coupled with his extensive knowledge of real estate “rehabbing” and being a former licensed Realtor and Mortgage Broker provides Gil an opportunity to support clients that very very few can offer.

Gil has held positions as an Account Executive, Director of Training, Vice President and for the last 13 years as the President of an alternative lending brokerage that specialized in Creative Real Estate transactions within the US and Canada. Gil has extensive training on a personal level with some of the greatest names in real estate investing, and business spaces that exist.

Gil lives with his wife Stacey, sons Jack and Anthony while his two older sons Michael and Kevin live in Chicago and Cleveland. The Pementel’s enjoy the beach, travel, the outdoors and Stacey’s amazing cooking.