Our Team

Guidance Residential's expert leadership and management team brings over 100 years of collective experience in the industry we serve.

Kal Elsayed

President & CEO

Kal Elsayed, based in Reston, Va., is president and CEO of Guidance Residential where he has overall responsibility for the management and performance of the company. He is a leading U.S. home finance industry executive with broad national experience in all aspects of the business, including sales and operations. He is an accomplished leader in start-up and high-growth business environments and has extensive experience in building motivated teams to achieve and exceed target objectives. He was previously president and CEO of HomeView Lending, where he helped start the company and build its sales and operating structure. Prior to HomeView, he held various executive positions with New Century Mortgage Corp, culminating in the position of President of the Wholesale Division, where he assumed full P&L responsibility and grew annual production from US $4 billion to US $46 billion over a three-year period.

Kal Elsayed

President & CEO

Nick Minardi

Executive Vice PresidentChief Operating Officer

Nick Minardi is the Executive Vice President, Chief Operating Officer for Guidance Residential. He initially joined the company in 2011 and has formally acted as its Chief Operations Officer, Chief Risk Officer, and Chief Financial Officer. With over 30 years of banking and mortgage industry experience, he oversees and seeks to continually improve our secondary, capital markets, servicing, and finance activity.

Nick Minardi

Executive Vice PresidentChief Operating Officer

Chris Gallant

Executive Vice PresidentChief Financial Officer

Chris Gallant is the Chief Financial Officer of Guidance Residential where he's responsible for the financial functions, including Accounting, Audit, Treasury, and FP&A. He also oversees the Servicing Oversight, Business Analytics and Reporting, and Project Management functions. His career spans more than 30 years of varied experience in financial management, business leadership, and corporate strategy. Aside from his 10+ years with Guidance, Chris has served as CFO for McLean Mortgage Corporation during the early 2020s and in various leadership and accounting roles for a global publicly traded marketing company, property management companies, and a telecommunication company. Chris holds a BS in Finance from Virginia Tech and is an actively licensed CPA and CGMA. Outside the office, Chris has participated in and completed various extreme endurance races including full Ironman triathlon races, and served in leadership roles during a premier level soccer career.

Chris Gallant

Executive Vice PresidentChief Financial Officer

Daniel Reibsamen

Senior Vice PresidentChief Technology Officer

Daniel Reibsamen is the Chief Technology Officer where he leads the technology initiatives for Guidance Residential's pursuit of the ultimate digital mortgage experience. With over 11 years of software development experience in the mortgage and financial space, his focus on the customer experience assures the perfect balance of automation and interaction for a smooth, secure, and streamlined process. Daniel was the founder and President of his own technology firm, has been involved in multiple technology startups, and is a certified Developer and Database Administrator. He graduated from the University of South Carolina with a degree in Mathematics and a minor in Computer Science.

Daniel Reibsamen

Senior Vice PresidentChief Technology Officer

Heidi Partida

Executive Vice PresidentCorporate Governance

Heidi Partida is currently the Executive Vice President, Corporate Governance at Guidance Residential, where she has served for over 11 years in various capacities. She has almost 30 years of experience in various leadership roles in different industries. Her career experience includes organizational development, operational workflow analysis, project management, business analytics, and human resources. She has almost two decades of experience in the mortgage industry. Heidi attended Azusa Pacific University, where she received a Bachelor of Science in Organizational Leadership, and Ashford University, where she received her Master of Business Administration in Human Resources Management. Before joining Guidance Residential, she was the Vice President of Administration at HomeView Lending.

Heidi Partida

Executive Vice PresidentCorporate Governance

Susan Palmer

Vice PresidentCompliance

Susan Palmer is a mortgage compliance professional with over 16 years of experience. Prior to joining Guidance Residential in 2007, she worked as a compliance analyst with First Nationwide Mortgage Corporation and Citimortgage, Inc. She was also engaged as an editorial/research assistant for Andrea Lee Negroni for the Residential Mortgage Lending: Brokers and Pratt's State Regulation of Second Mortgage and Home Equity Loans publications from 2008 through 2012. She received a juris doctor degree from the University of Baltimore School of Law in 2003.

Susan Palmer

Vice PresidentCompliance

Riffat Lakhani

Senior Vice PresidentChief Marketing Officer

Riffat Lakhani is the Senior Vice President, Chief Marketing Officer for Guidance Residential. She oversees all marketing services and activities for the organization, including brand awareness, lead generation and nurturing, social media, events, content creation, graphic design, and general marketing support. Her background is a fusion of graphic design, real estate sales, business, and marketing. Her dedication to excellence and passion for making a difference keeps her focused. She graduated summa cum laude from George Mason University with a Bachelor of Arts in Graphic Design and a minor in business and multimedia. She received her Master of Business Administration from the University of Maryland - Robert H. Smith School of Business. She is a member of AMA.

Riffat Lakhani

Senior Vice PresidentChief Marketing Officer

Hussam Qutub

Senior Vice PresidentNational Sales Manager

Hussam Qutub is the Senior Vice President, National Sales Manager for Guidance Residential. Hussam joined Guidance in March 2003 and has served in a variety of Senior and Executive Management roles. His past responsibilities included vice president of Marketing and Communications, where he played a significant role in the company's first ten years of geographic expansion and was instrumental in establishing our brand. Hussam's most recent role was that of President of Guidance Home Services LLC, Guidance Residential's sister company. Before embarking on his career with Guidance, he studied international relations at George Mason University. He specializes in leadership and team building, business development, communications management, branding and positioning, public relations, digital marketing and lead generation.

Hussam Qutub

Senior Vice PresidentNational Sales Manager

Suha Elsayed

Senior Vice PresidentChief Credit Officer

Suha Elsayed is the senior vice president, chief credit officer at Guidance Residential, a role in which she has served since 2015. She has over 15 years of experience in home finance operations and management and has been instrumental in training staff on how to increase productivity and efficiency using technology. She has been with Guidance Residential for over 16 years. She served with the company from 2002-2006, and rejoined the organization in 2007. Prior to rejoining the organization, she worked as a senior default underwriter for Freddie Mac. She received a bachelor's degree in information technology and operations management from George Mason University.

Suha Elsayed

Senior Vice PresidentChief Credit Officer

Den Moyo

Vice President ControllerAccounting

Den Moyo is the corporate controller for Guidance Financial Group, where he has served since 2013. He is responsible for all financial activities in the company, and oversees the preparation, consolidation and reporting of financial statements for all the company's subsidiaries. Prior to joining Guidance Financial Group, he served as the director of accounting for BerkleyNet.

Den Moyo

Vice President ControllerAccounting

Abdessamad Melouane

Senior Vice PresidentDivision ManagerNorthern Division

Based in the New York City area, Abdessamad serves as the Division Manager for the Northern Division. Throughout the years, he has established strong relationships with various community leaders, organized numerous educational seminars on Islamic home financing, and has increased overall brand awareness for the company. Abdessamad earned his bachelor's degree in economics from the University of Marrakesh and took various MBA courses in business ethics and finance from Albertus Magnus College.

Abdessamad Melouane

Senior Vice PresidentDivision ManagerNorthern Division

Salman Ali

Senior Vice PresidentDivision ManagerSouthern Division

Salman Ali is the Division Manager for Corporate Sales and the Southern Division at Guidance Residential. Salman has over 20 years of experience in the banking and financial services industry and has been with Guidance Residential for over 13 years. Salman has a passion for Islamic Financing and enjoys educating others on the subject. Salman is a history enthusiast from Virginia who enjoys collecting and studying historical artifacts.

Salman Ali

Senior Vice PresidentDivision ManagerSouthern Division

Mohamad Kisar

Vice PresidentRegional ManagerSouthern Division

Mohamad Kisar is a Regional Manager, based out of Dallas, Texas. He has over a decade of financial experience, with more than half of it in Islamic financing. He prides himself on demonstrating excellent customer service and educating others on Sharia-compliant home financing. In his free time, Mohamad enjoys mountain biking, spending time with his family at the lake, and participating in Muslim community events.

Mohamad Kisar

Vice PresidentRegional ManagerSouthern Division

Shabeer Shekha

Vice PresidentRegional ManagerSouthern Division

Shabeer Shekha is a Regional Manager at Guidance Residential. He holds a Master's Degree major in Accounting and Business Management and is a successful entrepreneur of retail industry in South Florida for 25 years. Shabeer has also been involved in real estate transactions for over 15 years as a licensed realtor and has been working for Guidance Residential since 2011. His expertise are community relations, business development, and Shariah-compliant home financing.

Shabeer Shekha

Vice PresidentRegional ManagerSouthern Division

Munther Qtaish

Vice PresidentRegional ManagerWestern Division

Munther Qtaish is a Regional Manager at Guidance Residential. He has been with company since 2016 and has more than 26 years of experience in sales management. Prior to joining Guidance Residential, Munther worked as a sales manager at Nordix Computer Corporation. On his free time, Munther loves volunteering and working on community projects.

Munther Qtaish

Vice PresidentRegional ManagerWestern Division

Mohammed Khalil

Vice PresidentRegional ManagerNorthern Division

Mohammed Khalil is a Regional Manager based out of Chicago, Illinois. He holds an MBA degree in accounting and finance. He has over 15 years of financial institution experience, with more than half of it in Islamic financing. He enjoys coaching his team while educating consumers and local leaders about Shariah-compliant home financing. Mohammed has been working for Guidance Residential since 2016. In his free time, Mohammed enjoys freshwater fishing, biking, vlogging, and participating in Muslim community events.

Mohammed Khalil

Vice PresidentRegional ManagerNorthern Division

Khalil Khair

Vice PresidentRegional ManagerNorthern Division

Khalil Khair is a Regional Manager at Guidance Residential. He has over 21 years of experience in international Islamic banking and mortgages. He joined Guidance Residential in 2020 as an Area Manager and is knowledgeable about Islamic home financing, methods of Shariah-compliant home financing, and the differences between Islamic mortgages and conventional mortgages.

Khalil Khair

Vice PresidentRegional ManagerNorthern Division

Sami Kabir

Vice PresidentRegional ManagerNorthern Division

Sami Kabir is a Regional Manager at Guidance Residential based in Long Island, NY. Sami entered the housing industry in October 2002. He has been involved in real estate transactions for over a decade as a real estate broker. Sami was previously vice president of sales at Olympic Mortgage. Sami has been working for Guidance Residential since 2011. His expertise is in community relations, business development, and Sharia-compliant home financing.

Sami Kabir

Vice PresidentRegional ManagerNorthern Division

Zeeshan Qadri

Vice PresidentRegional ManagerNorthern Division

Zeeshan Qadri is a Regional Manager at Guidance Residential serving New Jersey, Pennsylvania, and Delaware. Having risen through the ranks, Zeeshan leads a team of six Account Executives who work tirelessly to serve the needs of American Muslims looking to buy a home using Shariah-compliant financing. In his free time, Zeeshan enjoys playing cricket and planning his next travel adventure.

Zeeshan Qadri

Vice PresidentRegional ManagerNorthern Division

Abdelhalim Mahfouz

Vice PresidentRegional ManagerNorthern Division

Abdelhalim Mahfouz is a Regional Manager at Guidance Residential. He has over 20 years of experience in sales, marketing, and customer service and enjoys explaining the benefits of Islamic financing to his clients. Abdelhalim holds a degree in Mathematics, is proud to be an active leader in his local Muslim Community Center, and enjoys camping, fishing, and boating in his free time.

Abdelhalim Mahfouz

Vice PresidentRegional ManagerNorthern Division

Abdullah AlSaafin

Vice PresidentRegional ManagerNorthern Division

Abdullah AlSaafin is the Southern Texas and Arizona Regional Manager at Guidance Residential. He brings Fortune 500 banking expertise to manage his region. His expertise lies in customer satisfaction and retention. He has been with the company since 2018 and has been a top producer both at Guidance and in the tech industry. Before joining Guidance Residential, Abdullah received his MBA. In his free time, Abdullah enjoys trying new restaurants and traveling.