Thomas at his home in Atwater Village

Thomas A. Bayles, Senior Vice President

Thomas Bayles developed a passion for real estate at a young age which motivated him to obtain his Real Estate License at the age of 20. He’s spent the last decade providing hundreds of millions of dollars in mortgage loans to clients purchasing in North East Los Angeles. Thomas’ specialty is working with self-employed borrowers primarily in the entertainment industry to help them identify and achieve their real estate objectives, but he has worked with people from all walks of life towards accomplishing their goal of homeownership. Based on the total amount of loans he has provided annually, Thomas was recognized as one of the Top 40 loan officers at Prospect Mortgage nationwide for 6 consecutive years, before moving to Mortgage Capital Partners where he is now Senior Vice President of Mortgage Lending. 

 In 2012, Thomas leveraged his experience in the competitive Los Angeles real estate market and became the key investment strategist for Urban Asset Group, a Los Angeles based real estate investment company with an emphasis on growing initial investments through strategic and varied acquisitions. Since joining UAG, the company has grown by 400% and is now a prominent investor in the NELA community. 

In his free time Thomas enjoys buying and restoring architecturally significant homes in the Los Angeles area with a select group of friends and family.  His favorite pastime is perfecting his barbeque rib recipe while hanging out poolside with his family.  


Micah Raff, VP of Lending Operations

Micah Raff was born and raised in Los Angeles California and is a proud alumnus of the University of Southern California. At USC, Micah graduated with honors from the Annenberg School of Communication and Journalism and was the President of the Alpha Epsilon Pi Fraternity. Micah has been in the mortgage business since 2010 and specializes in providing loans to self-employed borrowers. He is considered a “loan technician” by his peers and has quickly become one of the top Loan originators in NELA. In his free time, Micah is an active member of Temple Judea located in Tarzana California. He also loves playing golf, running and fantasy football.