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Building relationships through knowledge and expertise.

The Intervest Team

Team Member Photo

Matt Couch

VP, Multifamily NW Regional Director

Matt has extensive experience in commercial real estate acquisition, development and investment in the Puget Sound and San Francisco Bay areas. Prior to joining Intervest in 2003, Matt served as a consultant with a national real estate lender, advising on income producing real estate investments and special credit properties. He also managed acquisitions and assets for a family-owned commercial real estate investment firm.

Matt received a bachelor's degree in political science from Lewis and Clark College in Portland, and his MBA from Thunderbird, The American Graduate School of International Management. His diverse background includes working several years in Southeast Asia, improving education and introducing blind children to the great outdoors.


Ryan Fisher

Loan Officer

Ryan originally joined Intervest in 2008 as a loan analyst and has been involved in sourcing and placing permanent financing across all property types for Umpqua’s customers. His background also includes analysis for Life Insurance companies, credit unions, and other lending institutions. Prior to joining Intervest Ryan worked as a Business Consultant with Arthur Andersen, KPMG and LECG, where his work focused on financial analytical projects with a variety of companies such as Microsoft, Boeing, Vulcan and Merrill Lynch.

Ryan received his bachelor’s degree in finance from the University of Puget Sound.


J.T. Horner

VP, Multifamily Associate Regional Director

J.T. began his commercial real estate career with Intervest in 2002 as a loan analyst, managing transactions from initial underwriting to closing. He specializes in arranging permanent financing for the Sterling portfolio, life insurance companies and other institutions, and has originated many construction and development loans on general commercial properties and apartments. Prior to joining Intervest, J.T. worked for a global financial services firm as a marketing analyst.

J.T. received a bachelor's degree in finance and marketing from Portland State University. He is a member of the Commercial Committee for the Oregon Mortgage Lenders Association.


Cheryl Higdon

AVP, Loan Officer

Cheryl has over 19 years of experience in commercial real estate lending including multifamily, permanent, bridge and construction loans. She began her career in 1997 with National Pacific Mortgage and then moved to Mason McDuffie as a Loan Analyst. Formerly an Operations Manager for Intervest, her new position as a Loan Officer allows her to leverage her experience in loan administration—giving her an unparalleled understanding of client needs and the ability to identify challenges that may occur in the loan process ahead of time.

Cheryl attended Diablo Valley College and is a member of the Bay Area Mortgage Association and WIRE (Women in Real Estate). She is proud to work in her community and currently volunteers with Meals on Wheels, as well as for a battered women’s shelter as an organizer and meeting event coordinator.


Jeffrey Pineda

VP, Multifamily Division Regional Director

Jeffrey Pineda has more than 15 years of banking and commercial real estate experience. Prior to joining Umpqua Bank, he served as vice president and senior loan officer for the commercial mortgage division at Union Bank, where he originated multi-family and commercial real estate loans for their Northern California office. Before that, he was vice president for United Commercial Bank in San Francisco.

Outside the office, Jeffrey was a professional golfer from 1998 to 2003 competing in the US, Europe and Australia. Active in his community, he is a member of the California Mortgage Bankers Association and the Bay Area Mortgage Association. He holds a California real estate sales license and received his bachelor’s degree in English Literature from the University of California, Berkeley.


Wendy Hejna

SVP, Regional Director

Wendy has more than 30 years of experience working in commercial real estate finance. In 2011, Wendy championed the opening of the Irvine office as the Regional Director and continues to grow the Intervest footprint. An industry leader, Wendy Hejna has a broad range of lending with multifamily, industrial, warehouse, retail strip malls, shopping centers, new construction and land. To date, Wendy has originated and funded in excess of $4 billion in real estate loans.

As a legacy in the real estate finance sector, Wendy continues to cultivate new business as well as deepen relationships with existing clients. In addition to being a licensed real estate agent since 1990, Wendy is an avid apartment owner/investor and enjoys spending quality time with her family.