The Team

The Dragon Realty Capital Team

Craig Higdon, Chief Executive Officer

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Craig Higdon obtained his Bachelor of Science in Mechanical Engineering from the University of Southern California in 1981. He gravitated into the business world rather than engineering, working briefly in IT for a small garment manufacturer and then becoming a retail stock broker specializing in Pension Fund Monitoring for Wedbush Securities, Bateman Eichler Hill Richards, and later Paine Weber, focusing on Pension Fund Monitoring. He later moved to a company that aggregated C-Credit automobile loans into portfolios that were sold to S&Ls in the late 1980s, also occasionally getting involved in loan portfolio sales.

After the S&L Crisis, he worked in his own investment banking firm securitizing portfolios of automobile loans for smaller finance companies. When major companies such as GE entered the business, that company was dissolved and he became a commercial mortgage broker in 1993, occasionally originating residential loans, as well. He became the Director of Commercial Loans for both First Capital and First Financial, captive mortgage companies for large Los Angeles based real estate brokerages (ultimately Coldwell Banker and the Prudential) through the 1990s. He earned his MBA from Heriot Watt University, Edinburgh, Scotland, UK in 1996.

In 1999 he formed C. S. Higdon, Inc. in California, an independent commercial mortgage brokerage providing services nationwide. He has originated all types of commercial loans since 1993, from Multifamily to Church, purchase, refinance, and a significant amount of construction loans. His goal now is to put that experience to work as the “lender” and use his extensive experience as a broker to drive business to the Company.

Robert McCarthy, Chief Lending Officer

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Robert McCarthy, co-founder and Chief Lending Officer of Dragon Realty Capital, began his professional and financial services career in 1990 as a banker for Great Western Bank. Robert was working in Valencia California doing residential real estate loans for purchases and refinances. In 1993 Robert went to work for Mortgage Resources, a real estate brokerage in Van Nuys, California.

After receiving his Real Estate license, Robert originated hard money, commercial, conforming, and FHA loans for refinance and purchase. In 1995 Robert started his own Net Branch operation in Calabasas, California with National Home Funding. He managed a team of 15 employees that originated and funded hard money, commercial, conforming, and FHA loans. In 1999, he merged his net branch with American Home Loans in Santa Ana, California. As a net branch manager/owner Robert managed a loan origination team of 21 sales associates, processors and assistants. As a direct lender, his operation funded subprime, hard money, commercial, conforming, and FHA loans. In 2002 he joined Mortgage Loan Specialists in Solana Beach, California as a net branch manager/owner. He built a 25 person loan team that funded subprime, hard money, commercial, and jumbo loans. In 2008, he joined Olympia Financial in Encino, California to specialize in private money and commercial loans.

On May 17, 2017 Robert went to work with Bankers Investment Group in Lake Forest, California, specializing in private money and commercial lending. He is a graduate of California State University, Northridge and obtained his Bachelor of Arts in Radio, Television, and Film in January of 1986. He currently holds a California Bureau of Real Estate sales license.

Missi Boyd, Loan Coordinator – “The BOSS”

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Missi knew from an early age that she wanted to be in medicine and began her work career as an Operating Room Nurse in Southwest Florida, assisting surgeons in all types of medical procedures. After suffering a major auto accident and then months of rehabilitation, she was forced to change careers and became a nationally and internationally published fashion model, eventually working for Dolce & Gabbana as their top Head Model for a number of years in West Hollywood, CA. While involved in that career, she also became a licensed esthetician and personal trainer.

Seeking further challenges and wishing to put her intellect and attention to detail to work, she became involved with Dragon Realty Capital as its Loan Coordinator, organizing broker submissions, tracking outstanding conditions, and keeping transactions on track to close.  If she calls or emails you, don’t wait to respond… because she’s “The BOSS.”