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Professional Profiles“You Too Can Tell Us Your Story”

Building wealth and visibility for real estate professionals and businesses alikeExecutive Agent Magazine, builds visibility for real estate professionals

and associated businesses through original andthought provoking feature stories.

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Professional ProfileTeam Profile

F or over 20 years, Mike Calvert has been making a notable impact within the lending industry. From an award-winning consultant, to a top-producing

sales manager, to a leading branch manager, he has consistently incorporated a passion for excellence with

a professional and high-energy approach. Today, Mike leads one of the most accomplished teams within the Wells Fargo organization. He maintains a positive outlook despite the challenges presented within his profession, and continues to assist his mortgage professionals in

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Mike Calve r t By Lalaena Gonzalez-Figueroa

developing their business and reaching new levels of success.

Wells Fargo is, says Mike, a leading company not only within the financial sector, but among other corporate organizations. “We are consistently ranked within the top ten companies to work for within Orange County,” he asserts. “Not only does Wells Fargo invest a substantial amount of time and money into developing its sales force, but we are constantly putting new strategies and innovative ideas into practice. Through corporate training, input from industry experts and facilitators, and a culture that empowers and motivates our employees, we have created a business that enables and encourages individuals to thrive.”

Mike notes that his office takes the Wells Fargo culture to new levels. “Our office is different, with a unique look, feel and energy, positivity, is a key to success, he says.” “We focus on what we can control,” he explains. “While our business is changing on a daily basis, we do not waiver from our commitment to providing exceptional customer service, and to staying abreast of the latest loan products and industry developments.” In a high-stress business, adds Mike, his office remains positive and forward-thinking. “Our mortgage consultants thrive on energy, and work as a united team. Our common goal is to ensure that our clients’ needs are met.”

In addition to the array of products and competitive rates that Wells Fargo Home Mortgage offers, Mike’s Huntington Beach branch features in-house processing. “Our ability to prioritize transactions has allowed us to avoid overflow and to maximize our time and resources, he says.” The company is so confident in its ability to meet deadlines, that they offer clients a written guarantee. “We will pay the first month’s interest and principal if we don’t perform and close on time,” Mike states.

Managing one of Wells Fargo’s top branches nationwide requires the ability to attract and retain the cream of the professional crop, and Mike enjoys the opportunity to work with and inspire his mortgage specialists. “I’m with my team on calls, offering the support they need to bring their businesses to new levels,” he says. “I’m here to motivate people to become their best versions, in their personal and professional lives.” Mike cites a balanced approach as a key to success. Active within his community, he gives back to local charities including the United Way. He is also a family man who enjoys spending time with

his wife and three children, enjoying all that Southern California has to offer. When he’s not working, Mike may be found hiking, biking, fishing, riding motocross or boating with his family.

While Mike enjoys marked success year after year, he remains focused not on awards, but on building his team and helping them reach their goals. “We don’t have stars in our eyes; instead we are putting together thorough business plans, managing them and following through,” he says. “When you do things to the best of your ability, you’re going to flourish. My job is to make that happen for my team.”

Mike Calvert, Branch ManagerWells Fargo Home Mortgage

19126 Magnolia St., Suite 201Huntington Beach, CA 92646

Telephone: [email protected]

www.wfhm.com/huntingtonbeachbranchca



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Chris Fenoglio

A seasoned and accomplished mortgage professional, Chris Fenoglio approaches his business with an intuitive and innovative mindset. His affable

nature and strong communication skills earned Chris a spot as one to watch from the onset of his career, and he continues to shine as a leader and a top producer.

Chris launched his financial career as a personal banker in 2001. Working alongside a mortgage representative, he built a foundation of knowledge that enabled him to identify prospective clients for his colleague. “I garnered nine loans for him,” Chris recalls. His diligence earned the attention of their branch manager, and in an unprecedented move Chris was recruited into the mortgage department as a junior mortgage officer.

Nearly a decade later, the tenacity that he displayed as a young professional has become Chris’ signature trait. Knowledgeable, proactive and backed by the support of a well-organized team, he works with a range of clients to identify their financial needs and develop packages tailored specifically for them. From REOs and rehabilitation properties, to traditional equity buyers and high-end investors, he has access to well-designed products and the stability of a company with a worldwide reach.

His strong communication skills are a distinguishing factor in Chris’ business, says his marketing assistant Karin Bates. “After over thirty years in the mortgage industry, I have had the opportunity to work with many lending professionals,” she states. “What sets Chris apart is his accessibility and his proactive approach. His clients know how to reach him, and they’re not left waiting for answers. Our team works together to ensure that loans close successfully, and that our customers experience a process that is as stress-free as possible.”

Long committed to providing extraordinary service to his clients and referral partners, Chris developed a systematized business model. “We operate like an assembly line,” he quips. “Every step of the process is managed with careful attention to detail. We want to avoid last-minute problems that may delay or deter a loan from closing.”

When Chris was promoted to manager of the Seal Beach office of MetLife Home Loans, he opted to hire veteran loan officers with at least 20 years’ industry experience. These individuals, he reasoned, had maintained successful businesses during cycling market conditions, and were dedicated to their professional endeavors. What Chris discovered, though, was that the best loan officers thought like bankers and weren’t always ideal salespeople. “They were analytical, able to structure complicated transactions to meet underwriters’ requirements and fit their buyers’ needs,” he says.

“However, they weren’t always comfortable driving around making sales calls.”

His solution: to restructure the traditional lending model. Loan officers now remain in their offices, available to answer phones and qualify buyers, work with underwriters and maintain communication with agents and their buyers. They are accessible after hours via cell phones. Chris designated Karin as a relationship manager who drives business to his loan officers. Her focus has made a tremendous impact on the success of the branch. Karin attends and leads real estate events and meetings, and through one-on-one consultations she identifies each agent’s unique lending needs, introduces them to new programs that may support their efforts to build new business, and connects them with the member of Chris’ team who best meets their professional criteria.

The results have been notable. “Branch performance has grown to twenty million a month in closed loans for Chris and his five loan officers,” asserts Karin. “The Seal Beach MetLife Branch ranks in the top five branches in America.”

He is demanding of his team and himself, setting the bar high and consistently leading by example. With the support of his team of professionals, Chris is able to continue to meet the needs of his own clientele, which includes consumers as well as real estate professionals. In addition to putting together exceptional loan packages he also collaborates with agents, offering marketing support in the form of “Rate Plug,” joint flyers and open-house assistance. “We have built a strong reputation within our region as a team that gets the job done,” notes Chris. “Time and again our offers are accepted because agents know that when I pre-approve buyers, they’re solid.”

Though the team is dedicated to achieving results for their clients, they acknowledge that they do enjoy their work. “It’s a tough business, but we manage to have fun,” smiles Chris. It’s this positivity, perhaps, that has propelled him to success. He personally closed over $60 million in 2010 and 2011, earning recognition as his company’s leading mortgage originator. Under his management, the branch closed 648 loans for $230 million in 2011. Today Chris continues to thrive in his dual roles as a branch manager and loan officer, and looks forward to another record-setting year.

Chris FenoglioMetLife Home Loans3030 Old Ranch Parkway Ste. 450Seal Beach, CA. 90740Telephone: [email protected]

By Lalaena Gonzalez-Figueroa


At a time when many companies are relying on gimmicks to attract new business, entities like Escrow Leaders are offering clients a more

substantial promise: of quality service tailored to meet their wants and needs. For founding partners Valerie Velotta and Bob Fox, business isn’t a sprint to acquire single transactions. Instead, it’s a marathon effort whose ultimate reward is lifelong client relationships.

Longtime colleagues Bob and Valerie opened their company after building their own successful escrow careers that spanned decades. The industry was

succumbing to market challenges, recalls Bob, and many companies were taking reactive approaches to the changes. Escrow Leaders opened its doors in 2007, a less-than-promising time to launch a new business. Despite this, the company has flourished. “We couldn’t have predicted the collapse of the global financial market,” acknowledges Bob, “but we successfully identified the need for competent, objective and reliable escrow services.”

Knowledge, grace and gratitude aren’t terms typically associated with their business, but the professionals at

BOB FOX AND VALERIE VELOTTA

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Escrow Leaders aspire to consistently embody these values. Clients experience far more than an impersonal business transaction; real estate agents and consumers alike are treated with respect and appreciation, and enjoy an individualized process created to alleviate stress and concerns.

“We have cultivated an exceptional atmosphere here,” reveals Valerie. “Our staff is wonderful and our office is a beautifully-appointed space that honors the history of San Juan Capistrano, a comfortable area to manage business and build relationships.” Elegant furniture, exquisite artwork and state-of-the-art amenities aren’t just for visual effect; Escrow Leaders offers a promise of stability and longevity. This is a company that has been established to become an integral part of the landscape of the area’s real estate community.

Escrow Leaders offers its clients objective and efficient escrow tailored to their unique needs. “As an independent company we are able to maintain a responsive business model,” explains Bob. “We have the capacity to adapt quickly as the market demands, ensuring that we consistently meet or exceed the expectations of our consumer and agent clientele.” The specialists at Escrow Leaders boast significant professional experience and knowledge, and are adept at handling escrow for a range of real estate transactions including standard sales, short sales, commercial, and REO.

In an industry that thrives upon the strength of collegial relationships, Escrow Leaders offers agents distinct values that extend beyond the course of any single transaction. “The escrow process should be relatively perfunctory,” explains Bob. “Our responsibility as professionals is to manage a transaction in a neutral manner, looking out for the best interests of all parties involved.”

But when challenges present themselves, the team at Escrow Leaders steps into action. “We operate our business with an acute sense of accountability,” Valerie asserts. “We take ownership of the transaction and are proactive when issues arise.”

Their approach makes a difference; Bob notes that his contact information is readily available to agents and consumers. “I can be reached, on my cell, whenever there is a question or concern,” he states. “It’s part of our commitment to exceptional customer care.”

Escrow professionals, real estate agents and other industry specialists enjoy the opportunity to exchange business development ideas, and Bob reveals that one of his strengths is strategic planning and critical thinking. An entrepreneurial spirit, he is an accomplished international businessman who operated a golf club manufacturing company in St. Andrews, Scotland.

Valerie says, “I like to think of myself as a true “possibility thinker”, who is always looking for a way to get the job done. I feel great joy in successfully navigating over the speed bumps and through the roadblocks to close the tough escrow on time.”

Success has been hard-earned at Escrow Leaders, where Valerie and Bob acknowledge that every day’s goal is to continue to cultivate professional relationships through exceptional customer care. Solid, reliable and posed for continued growth, the firm is redefining the escrow experience.

Escrow Leaders, Inc.31601 Avenida Los Cerritos Suite 200San Juan Capistrano, CA 92675-1798Telephone: 949.373.7000www.EscrowLeaders.com

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Building New Levels of Business

As a non-originating manager with Wells Fargo Home Mortgage, J.J. Ballesteros employs years of experience in the real estate and lending

industries to support his loan officers in building their businesses. With a focus on providing an exceptional

consumer experience, Ballesteros appreciates the opportunity to work with a growing group of driven professionals in a supportive and forward-thinking environment.

Prior to taking on the role of Branch Manager in Huntington Beach, J.J. acted as Sales Manager for a Wells Fargo Joint Venture within Orange County. His current team includes a mix of 8 senior and 7 junior loan officers, and looks forward to continuing to add to the group. “We are always excited to bring on new team players, individuals who are focused on purchase business as well as bank business, and who understand the importance of developing long-term relationships with real estate professionals as well as their clients.”

In an industry that has experienced an unprecedented amount of change, J.J. notes that Wells Fargo remains focused on the long-term success of its partners and clients. “When the promise is clear, the price is easy,” is a favorite Jim Rohn quote he often draws from. “We have set our goals, and maintain a clear vision of the objectives we want to accomplish. While the mortgage industry is scheduled for even more regulatory change this year, we remain focused and committed to providing our clients with a first-class experience on every transaction.”

The consumer has always been a focus at Wells Fargo, but J.J. notes that in 2011 the “customer experience” is a core initiative. “If every consumer understood how much Wells Fargo cared about them, we would probably have 100% market share. It starts from the top of the company and filters all the way down to each of its employees.” As mortgage overall is transitioning back to a purchase market, the greatest demand on lenders continues to be honoring a 30 day escrow. One example of Wells Fargo’s new level of client care is their “Close On Time Guarantee.” The company promises its customers that if a closing is delayed due to internal errors, Wells Fargo will make the first month’s principle and interest payment. “That’s just one of the ways that we are adding value to our real estate partners and borrowers,” says J.J.

In the midst of continued change and challenge, the team at Wells Fargo Home Mortgage has taken on a greater sense of accountability throughout the entire lending process. “From loan officers, to the fulfillment partners who underwrite loans, to management, we all share a common philosophy,” says J.J. “Simply stated, our clients come first.” Ongoing and open communication within the organization and between customers keeps all parties connected and updated throughout every transaction. Proprietary systems, including preliminary and post-transaction questionnaires, maintain efficacy and accuracy throughout the process, and measure customer satisfaction upon closing. “Not everyone is as detailed in their communication efforts,” J.J. notes. “We have found that our proactive approach has been highly effective in consistently identifying potential problems and avoiding unexpected delays.”

Another key element of the customer focus includes an emphasis on education and knowledge. It’s called “information-based marketing,” and it empowers clients to make the best decisions for their unique needs. In addition, Wells Fargo Home Mortgage Consultants receive several inquiries a month from prospective buyers

J.J. BALLESTEROS


from the company’s website as well as direct calls. Many of these first time homebuyers are not working with a realtor. This is one of the ways we can give back to our real estate partners. “We are not simply asking agents for their business,” states J.J. “At Wells Fargo Home Mortgage, our focus now, more than ever, is on developing partnerships with real estate agents and helping them grow their business.”

J.J.’s branch is in the processes of moving to a new office targeted for the Bella Terra Towers. The new location will be central to the bank branches and real estate communities it services which include Westminster, Garden Grove, Seal Beach, Fountain Valley and Huntington Beach.

“Ultimately, people don’t care how much you know until they know how much you care,” says J.J. This includes realtors, clients and employees. “The customer experience will always be the priority at Wells Fargo. Internally, we offer unlimited growth potential and a platform for personal and professional development. Our customers benefit from working with dedicated and knowledgeable individuals who are backed by exceptional resources and technological support.”

Home Mortgage Consultants from J.J.’s branch are actively involved in local organizations and groups including OCAR®, Chamber of Commerce, AREAA and the NAHREP. The team is culturally diverse, and includes individuals fluent in Spanish and Vietnamese. “I am developing a team with the knowledge, skills and desire to meet the needs of the communities we serve” says J.J.

From loan officers who desire to take their businesses to new heights, to real estate consumers searching for the right financial options, Wells Fargo Home Mortgage continues to grow and expand, to offer innovative solutions to the market challenges of today and tomorrow.

Wells Fargo Home Mortgage19126 Magnolia St. Ste. 201Huntington Beach, CA 92646Telephone: (714) [email protected]


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Quy Huynh714-856-7378

Tammy Colangelo714-969-1499

My Hoang714-356-8991

Jenn Levin714-904-9424

Mark Brown714-241-1251

Robert Rabano714-906-8824

Mary Lee714-593-5042

Kathy Niemczyk714-593-5067

Don’t be fooled by their name: The National Association of Hispanic Real Estate Professionals (NAHREP) isn’t an organization

that operates with cultural limits. While it was founded in order to increase the rate of sustainable Hispanic home ownership, NAHREP serves the professional real estate community at large through education and

outreach. There are no language barriers: everyone speaks real estate. In Orange County, NAHREP’s presence continues to thrive thanks to a solid leadership team and an expanding network of industry-related specialists. Looking to cultivate business and expand opportunities for your clientele? Consider the benefits of becoming an active member of NAHREP.


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OC NAHREPSeated first row from left to right: Albert Del Rio, President; Juan Salas, President Elect Seated second row left to right: Carmen Delgado, Tina Marie Estrada, Charles Armijo

Third row from left to right: Felix Duarte, Louis Pacheco, Dan Perez Last row from left to right: Greg Fonseca, Sean McDowell, Cristian Correa, Gerry Fernandez

Board Members not in picture: John Macias, Bill Lawton

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ConnectThrough multiple events each month, OC NAHREP

members have ample opportunities to network in pro-fessional and social settings. “Our members are a fun group,” remarks President-Elect Juan Salas. “We enjoy the ability to connect at a range of functions, where col-legial relationships are developed and people have the chance to connect on a number of levels.” Educational seminars and conferences are tempered by social mixers and events; members of OC NAHREP are privy to a cal-endar of educational and entertaining happenings each month.

The relationships forged by OC NAHREP members extend beyond monthly meetings, notes Salas. “I have had the opportunity to successfully negotiate transactions for my clients thanks to my connections with other NAHREP agents,” he says. “We have created a really strong network of professionals who share similar goals and values, and we enjoy working together.”

LearnIn order to successfully accomplish its mission of

facilitating home ownership for the Hispanic community, NAHREP is committed to empowering and educating all industry-related specialists. As the business of real estate continues to evolve, the organization remains dedicated to providing its members with updated and pertinent information. “This year we will adhere to our goal of offering top-notch education to our membership,” states Salas. “We wholeheartedly believe that, the better educated real estate professionals are, the better they can service consumers attempting to navigate a turbulent marketplace.” Indeed, as transactions become increasingly complex, education has become a focus for specialists in every aspect of the real estate industry.

NAHREP offers local, regional and national seminars addressing timely topics including how to represent first-time buyers, steps in representing HUD properties, tips for negotiating REO, bank-owned and short sale transactions, and creating opportunities for individuals with different levels of purchase power. “In every class and seminar, we aim to help agents and other professionals improve their skills and build their knowledge,” says Gerry Fernandez, OC NAHREP’s Vice President of Public Relations. “By empowering our members, we are creating a solid foundation upon which successful transactions will be built.”

ShareLike their national counterparts, the members of OC

NAHREP are committed to improving the lives of others. As industry professionals, they serve as advocates to Hispanic and other minority consumers, who may otherwise find themselves at a disadvantage in real estate transactions. It’s a win-win situation, notes current president Albert Del Rio. “In Orange County, the Asian and Hispanic population are buying homes at a faster rate than their Anglo counterparts. It makes sense to provide them with opportunities to succeed in real estate.”

NAHREP members advocate for ongoing homeowner success through community outreach and professional networking, and by lobbying their political leaders. “We maintain productive communication with the California Association of REALTORS® and the National Association of REALTORS®, particularly when we plan our annual trip to Washington,” remarks Del Rio. “While NAHREP is focused on the needs of Hispanic and minority homeowners, we strive to achieve a unified voice with other organizations in order to best communicate and advocate for our population of consumers.”

JoinReal estate agents and industry-related service providers

of all nationalities are welcomed at OC NAHREP, where the focus is on cultivating success for a range of consumers and professionals. They come from diverse backgrounds and all walks of life, but what members have in common is their enthusiasm and motivation. “Success breeds success,” observes Felix Duarte, Vice President of Membership. “There is something so energizing about connecting with others who are focused on something bigger than themselves. We are continuing to grow, and it’s an exciting process.”

NAHREP Orange County161 Fashion Lane, Suite 207

Tustin, CA 92780www.OCNAHREP.org

Telephone: 877-624-7371

The National Association of Hispanic Real Estate ProfessionalsLimitless Possibilities




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He’s experienced, knowledgeable and highly professional, but it’s no secret that working with title sales representative Robert Valdez

is anything but business as usual. His unique

approach incorporates a tongue-in-cheek sense of humor that’s backed by a solid understanding of the title industry and its implications on real estate transactions. With over 10,000 transactions closed, Robert has proven that success is earned.

Long known for his stellar customer service and client care, Robert has also gained recognition for a unique branding campaign that show-cases his comedic nature. His uncanny resemblance to Dos Equis’ enigmatic spokesman, “The Most Interesting Man in the World,” became a conver-sation starter in social settings, and Robert realized he had the makings of an inimitable public relations tool. As “The Most Interesting Title Rep in the World,” he reminds current and prospective clients just why they’d do well to utilize his services.

If he visits your office you have to fight off the urge to thank him…

He launched his career in 1985, and Robert made a strong impression among his industry peers from his first ride-along. “An experienced rep took me to one of her most challenging offices,” he recalls. “I had no idea what

to expect so I just engaged people in friendly con-versations. When we returned to our company, she gave me a glowing recommendation for the job.”

Robert Valdez


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“Title’s Most Interesting Sales Representative”

Just having his name on your file will make your deal close…

His business, he notes, is acquired not through salesmanship but by providing exceptional customer care. “I like to earn clientele who choose to work with me because they know this is my career and that I’m here to help facilitate their success,” Robert explains. “In the high-stakes world of real estate transactions, I’m diligent and resolute. If someone calls me with a problem or issue, I’m on it daily until we achieve resolution.” Robert’s extensive industry experience has allowed him to cultivate a strong collegial network. “When challenges arise throughout the course of a transaction, I have wonderful resources who can assist in identifying solutions,” he explains. “Ultimately, we are all looking to meet the needs of our clients and to close successful transactions.”

His preliminary title reports alone will sell a

house, even if it’s not for sale…

His charm knows no limits, but Robert manages to contain most of his business to North Orange County. He works well with a range of agents at every stage in their careers, handling primarily residential resale and REO transactions. “I’ve also been fortunate to build relationships with asset management companies,” he notes.

An escrow officer once fainted from receiving an e-mail from him…

Robert’s industry relationships are built on a

foundation of professionalism, though he manages his business with a sense of enthusiasm and wit. “I really enjoy my work,” he reveals. “I’m able to

help others improve upon their production, and am constantly meeting fun and motivating people.”

Even the most interesting …and accomplished…title representative needs support, and Robert credits the team of professionals at Ticor Title for their tremendous commitment to their work. “My office is incredibly responsive,” he observes. “As client requests come in, our team works together to ensure that their needs are met in a timely and effective manner.” While business is booming, Robert makes time to connect with every client, and to offer services tailored to their individual needs.

Agents often try to fight off the urge to call him right away.

Don’t fight it – Call him now!

He is ready to service your next title order!

Robert ValdezTicor Title Company

18302 Irvine Blvd. Ste. 100Tustin, CA 92780

Telephone: 714.496.4186E-mail: [email protected]

www.RobertTitle.com

“The MOST Interesting TITLE REP. in the WORLD”

TYLER BARGIELEXCEPTIONAL SERVICE


B ank of America Vice President and Branch Manager Tyler Bargiel

consistently holds himself –and his colleagues- to a higher professional stan-dard. Years in the financial industry have allowed him the opportunity to develop his business around an unwavering set of core values which revolve around a successful and positive customer experience. Today he is making this approach a reality for his customers and colleagues alike.

Tyler was involved in launching a mortgage company while still working towards a degree in Economics from the University of San Francisco. Upon graduation he dedicated himself full time to the lending industry, where he has since built a thriving business working with consumers, real estate professionals and home builders.

In an industry facing challenging times, what most distinguishes Tyler is his optimistic outlook and insistence upon maintaining an exceptional standard of service throughout every transaction he represents or oversees. His commitment to excellence has not only earned Tyler a growing base

of repeat and referral customers, but also a position as a vice president and branch manager with Bank of America, where he appreciates the support and resources that the financial institution provides. Additionally, he notes, “Bank of America is a company that operates its business around a core set of values. That’s important to me personally as well as professionally.”


Bank of America has worked to maintain a competitive edge not just among consumers, notes Tyler, but within the industry as well. “Our company provides a substantial toolbox that helps mortgage originators grow and sustain their businesses, while also assisting real estate professionals in maximizing their businesses,” he says. “Beyond originating loans, we are helping individuals develop successful careers.”

In addition to an on-site operations group, mortgage originators at Tyler’s Tustin office -which is conveniently located adjacent to Irvine- enjoy pricing flexibility, a strong compensation structure, and a comprehensive marketing platform designed to facilitate long-term relationships between loan originators and their customer base, including business referral sources. Professionalism meets positivity within the office, as Tyler seeks to motivate and support individuals who aspire to reach their maximum potential. “We enjoy ourselves at work, but we take our business seriously,” he explains. “Mediocrity is not a part of our culture.”

Bank of America’s commitment to customer care includes a strong communication and education system created to keep clients updated and active in a changing real estate environment. Lunch and Learn programs enable real estate professionals to work closely with their partners in the lending industry, identifying new trends and laws and building systems to adapt their businesses accordingly. “Many agents today are navigating this market on their own,” observes Tyler. “We appreciate the opportunity to act as a resource and a trusted partner in communicating information that enables agents to grow their business, and to consistently facilitate successful transactions for their clientele.”

While he continues to originate loans, Tyler notes that the majority of his professional responsibility lies in assisting his office personnel as they build their own businesses. “My own work in the field allows me to understand exactly what my loan originators are facing every day,” he asserts. “When I work with my team to develop their objectives and identify effective measures to accomplish their goals, I’m in touch with what works and what doesn’t.

Through one-on-one coaching and a focus on building a strong foundation of business, Tyler enjoys the opportunity to assist his loan originators in achieving their ongoing professional goals. “At Bank of America, we seek to be proactive in our approach,” he says. “I am responsible for providing a road map to success, and enjoy working with enthusiastic individuals who are up for the challenge of the journey.”

Tyler Bargiel, Vice President, Branch ManagerBank of America13031 Newport Ave., Suite 200Tustin, CA 92780Telephone: [email protected]



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Ryan Grant

W ith over $2.3 billion in funding in 2011, imortgage has established itself as a significant resource for residential real estate loans. Since

its inception in 1999 the firm has successfully navigated challenging financial markets and expanded its repertoire to provide a range of loans and products for a growing client

base. imortgage offers a wide spectrum of financing options, ranging from luxury high-end purchases, to first-time home buyers and even credit impaired clients. The company’s commitment extends beyond the consumer; imortgage representatives work closely with real estate partners in order to help them build and develop their businesses as well.

“Relationships matter to us, from consumers, to real estate agents to mortgage planners, we

enjoy the opportunity to develop a sense of what people need.”

Sales Manager Ryan Grant oversees an exceptional team of mortgage planners within imortgage’s Newport Beach branch. Ryan states that “My team and our ability to work together is what make our service levels so special. As a loan officer or real estate agent, you cannot be effective in our business alone, which is why our team is so valuable.” Growing up in the small town of Sonora, California, he developed a sense of business that emanates from a personal perspective. “Relationships matter to us,” he explains. “From consumers, to real estate agents to mortgage planners, we enjoy the opportunity to develop a sense of what people need, and then to work with them to assist them in accomplishing their goals.”

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Ryan’s approach is in keeping with the imortgage philosophy, which emphasizes the importance of a comprehensive client base. The firm’s ability to adapt to the changing needs of an evolving real estate market has allowed imortgage – and its business partners - to continue to do business during the most challenging conditions. Ryan’s commitment to customer service and his innovative marketing drives business; imortgage has achieved consistent growth thanks to strategic alliances with referral partners, business partners, local corporations, affiliates and the highest levels of client satisfaction from their consumers. “We haven’t had to utilize flashy advertising and marketing campaigns to build business,” Ryan notes. “Instead, we have invested in the elements that will allow us to continue to develop relationships with clients and business partners.”

Yes, working with imortgage is incredible, but Ryan also notes that working for imortgage is where you realize that greatness. imortgage loan representatives enjoy comprehensive support systems and a company culture that facilitates success. “I truly believe that our organization is unparalleled in its structure and approach,” asserts Ryan. “We provide everything a mortgage originator needs to excel, with competitive products and rates, great marketing resources and a solid team of professionals in their fulfillment center. Every aspect of the loan process has been reviewed and tailored to create a consistently successful transaction.”

Meeting the needs of real estate professionals has been paramount to the success of imortgage, an organization that understands how to relate to its professional clientele. “We work closely with agents through co-branded marketing and advertising campaigns, consumer-friendly systems and exceptional communication,” Ryan observes. “From innovative property flyers and marketing collateral, to websites and business strategies, imortgage provides comprehensive solutions designed to meet the needs of real estate professionals as well as consumers looking to sell their homes.”

As its name implies, imortgage is a company committed to maintaining a technological edge. Web-based applications and a virtually paperless process facilitate

on-the-fly business for real estate professionals and their consumer clients. Proprietary systems maintain efficacy throughout the course of a given transaction which, says Ryan, has become an increasingly complex endeavor. “Within the past few years, the process of buying a home has changed significantly,” he says. “Even seasoned investors are surprised with what is asked of them to obtain financing. imortgage professionals are incredibly proactive and work closely with their clients to assist them from start to finish, and we make sure to educate each client through the entire process.”

Automation has its place, but not in cultivating customer service. Ryan notes that imortgage professionals maintain a sense of accountability to their clients, readily availing themselves to address questions and concerns. “Our clients aren’t navigating phone systems,” he says. “A live person answers their calls and ensures that we work to meet their needs. Ryan and his team also realize that the real estate profession does not stop on Friday at 5:00pm, which is why his team is dedicated to being available on nights and weekends to accommodate our business partners and clients alike.

imortgage strives to achieve timely closings, and to educate its business partners and consumers throughout the course of every transaction. With an array of products and services, competitive rates and flexible financing terms, imortgage continues to gain recognition as a solid choice for real estate lending.

Ryan GrantSales Manager

1301 Dove St., Suite 101Newport Beach, CA 92660Telephone: 949.705.0582

[email protected]/ryan.grant

NMLS ID 118767

Savvy Solutions for Today’s Real Estate Needs

F or over 25 years, husband and wife team Dong Chau and Mai Vo have assisted their clients in navigating the mortgage process. Longtime professionals

with extensive backgrounds in finance and economics, the couple operates with a philosophy that places their customers’ needs at the forefront of their actions. “We work closely with our clients to create finance packages that really benefit them,” explains Mai. “We examine the options that are available, and ensure that they’re educated and comfortable with their choices. Our goal is to consistently close financial transactions that are timely and as stress-free as possible.”

Dong and Mai relocated their business to MetLife Home Loans in December, 2008. They have earned recognition for their impressive production volume, and were presented with the Chairman’s Club Award in 2009 and 2010, representing their rank among the top 2% of the company’s mortgage professionals. “Our business is built almost entirely on referrals which are the results of our dedicated service and the high level of satisfaction

generated among real estate agents, financial advisors, and borrowers,” Mai offers.

Having closed thousands of loans over the years, Dong and Mai have gained a unique experience that has allowed them to provide a trouble free process for their clients in the ever changing market environment. In-depth knowledge of the financial sector has also played an important factor in their long-term success. In fact, Dong left a successful corporate position over two decades ago, in order to focus on his burgeoning mortgage career.

“Dong was a controller and vice president of finance in the corporate sector,” explains Mai. “Because there were very few Vietnamese loan officers in the community, he began to work with clients as a side venture. He enjoyed it, and as his client base continued to grow he realized he had to make a choice.” With his wife by his side, Dong capitalized on the opportunity to help others achieve their dreams of home ownership.



Dong Chau and Mai VoYour Partners in Success

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Understanding the value of partnership in a real estate transaction, Dong and Mai have positioned themselves to collaborate with their clients, which include the real estate professionals, financial advisors, as well as the individual customers. Orange County residents since 1977, they have witnessed firsthand the region’s impressive growth and demographics changes. In order to meet the needs of an increasingly diverse clientele, they have built a team that speaks four languages – English, Vietnamese, Spanish and French – and that works closely with real estate agents when necessary to act as a language and cultural liaison with their customers.

Strong communication is essential to a successful loan transaction, and Dong and Mai ensure that their clients are kept up-to-date throughout the process. “With

an extensive background in accounting and finance, Dong is extremely adept at handling complex financial transactions and relates really well to the high net-worth clientele,” observes Mai. “He’s also excellent at building relationships with first time buyers, guiding them through the loan process.” Dong notes that Mai’s international exposure (she earned her undergraduate degree at the University of Geneva in Switzerland) is an attribute in her ability to relate to the team’s diverse clientele. She is detail-oriented and sees the big picture in her clients’ financial plans.

California Coast Realty, Inc. owner/broker Vicki McDonald lauds Dong and Mai for their strong work ethic and consistent results. “They have their business down to a science,” she says. “My transactions always close on time, which is worth its weight in gold!” She notes that the team is up to date on changing guidelines, which alleviates the stress of unexpected issues. “When they say they can close a loan, they do it,” McDonald states. “It’s seamless every time.”

Dong and Mai have a long track record of success, being among the top 3 percent producers at a nationally ranked mortgage bank for multiple years. Relocating their business to MetLife helps maximize their clients’ results, they explain. “With MetLife’s vast range of products, we are able to work with customers across the spectrum,” says Dong. “From conventional and jumbo loans, to FHA and VA financing, to special bond programs - CHF Platimum and CalHFA - we have the financial options that our clients need, whether they are first-time buyers, investors, or in the luxury market.” We are one of the few lenders that do HomePath financing and flip transactions under 90 days. In-house processing, underwriting and funding, he adds, enable us to control the process and timeline of the loans. This, says Dong, is particularly helpful to real estate agents and clients in the REO and short sale markets where

timely closing is of essence and a pre-approval from a direct lender is often a requisite when presenting offers.

After over two decades in the mortgage lending industry, Dong and Mai remain fresh and optimistic about the outlook of their business. “We love it,” says Mai. “Our work keeps us challenged; every day brings something new. We appreciate the opportunity to develop long lasting relationships with our clients, and to help them achieve their goals. There’s nothing else that we could imagine ourselves doing!”

Dong Chau and Mai VoMortgage Consultants

Chairman’s CircleMetLife Home Loans

5 Park Plaza, Suite 650Irvine, CA 92614

Cell: (949) 278-3404Cell: (949) 278-2756

[email protected]


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“Our goal is to consistently close financial transactions that are timely and as stress-free as possible. We have built a team that speaks four languages – English,

Vietnamese, Spanish and French – and that works closely with real estate agents when necessary to act as a language and cultural liaison with our customers.”

Throughout the course of over 70 years, the financial institution now known as Kinecta Federal Credit Union has operated with a commitment to setting

standards of excellence through exceptional customer service. Today the organization continues to thrive, expanding its presence in regional markets including Orange County and communities along California’s western coast. In order to meet the ongoing needs of its membership the credit union is broadening its focus, offering exciting products including retail mortgages with an array of loan products and competitive rates.

Originally founded as the Hughes Aircraft Employees Federal Credit Union, the organization was renamed

Kinecta Federal Credit Union in 2001. Fresh branding and a revamped structure heralded the credit union’s promise of high-quality customer care, though the founding principles remained intact and stronger than ever. “At Kinecta, we view each client as an individual, not a number,” states Jason Sasena, a seasoned mortgage sales manager who oversees a team of professionals in the credit union’s Newport Beach branch. “Today’s real estate marketplace is a challenging one, and we offer a diverse range of products designed to meet specific consumer needs. We offer local processing and common-sense underwriting that works in today’s unique financial times. And we are poised to continue to make strides in the markets we serve.”



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Jason Sasena

Brian Lee

A Unique Approach to Financial Services

Credit unions aren’t typically known as significant players in residential real estate lending, though Kinecta is looking to redefine its relationships with home buyers and real estate professionals. Notes mortgage team leader Brian Lee, “We offer the traditional range of lending options including personal and auto loans as well as credit cards, but we are also proud to offer conventional loans including FHA, jumbo and super jumbo loans. At Kinecta we have the ability to create loan portfolios, we offer a highly qualified and experienced leadership team in our mortgage lending division, and we utilize systematized processing that maximizes efficacy throughout each lending transaction.”

Kinecta Federal Credit Union is gaining attention within Orange County for its hands-on approach to mortgage lending and its commitment to building lifelong relationships with its member clients. The organization’s Newport Beach office is a well-appointed space designed to foster business growth while maintaining a personalized atmosphere. “We employ a consultative approach in all of our business, particularly with mortgage lending,” offers Lee. “We aren’t here to sell interest rates; this is about understanding each client’s story and meeting his or her needs.” He adds, “A lending agreement is more than a contract. It’s about the dream of an individual. Kinecta lending professionals talk to their clients about what it takes to obtain a loan, what it means. Through education and outreach, we have found our stride.”

Helping to facilitate ongoing success for Kinecta’s member clients is its growing team of lending professionals, a solid group of individuals dedicated to consistently providing exceptional customer care. “Even as other financial institutions are consolidating, our lending division continues to expand,” observes Sasena. “We understand the critical role that lending professionals play within our industry, and we have cultivated an environment that is designed to allow them to thrive.” From integrated technology that facilitates on-the-go business as usual, to cultivating a forum for innovative ideas, Kinecta Federal Credit Union is gaining the attention of the region’s most successful lending professionals.

“Internally, we have placed a significant emphasis on meeting the needs of our mortgage loan consultants,” Sasena reveals. Among the support provided to lending specialists are systems designed to support established or growing teams, solid business services and commercial lending divisions, local processing and underwriting and a community-oriented approach.

“We readily support our mortgage lending consultants as they cultivate relationships and build partnerships with real estate professionals, lawyers and other industry-related specialists,” says Sasena. “Ultimately, we are looking for consultants who are dedicated to doing business with the best interests of their consumer clients at the forefront of their actions.”

Lee speaks to the nature of an established credit union with a regional appeal. “We are substantial, but still small enough to be nimble in our approach,” he explains. “We offer comparable products to traditional banks, with competitive rates and attentive service. Time and again, the feedback from our clients speaks to that level of personalized care that we offer. It’s not common within our industry, but it’s something we pride ourselves on.”

Kinecta Federal Credit Union is connecting with consumers and mortgage loan consultants throughout Orange County and in expanding regions of California. With Kinecta, opportunities abound.

KINECTA FEDERAL CREDIT UNION

4041 MacArthur Blvd., Suite 100

Newport Beach, CA 92660

Tel: 949.253.5331

Website: www.kinecta.org/oc


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“We understand the critical role that lending professionals play within our industry, and we have cultivated an environment

that is designed to allow them to thrive.”


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He is tenacious and goal-oriented; a natural leader who inspires others to achieve their objectives, Mike Sieber is facilitating success for consumers and mortgage

professionals alike as a sales manager with Kinecta Federal Credit Union. An experienced professional with unwavering drive, he enjoys the opportunity to make a tangible difference in the lives of others.

After studying business and public administration in college, Mike launched a career in commercial real estate sales. With plenty of gumption but minimal experience, he found the business more challenging than rewarding. A pervading interest in real estate led him to transition into residential mortgages, where he discovered he had found his niche. “I was able to utilize the work ethic I had cultivated in commercial real estate, and had an ability to develop a rapport with a range of individuals,” recalls Mike. “The move made sense and the lending industry was a good fit.”

Mike went on to build a thriving business; success was achieved through meticulous attention to detail, exceptional customer care and a commitment to providing knowledgeable service. By 2000 he was well-positioned to pursue his entrepreneurial interests and open his own mortgage brokerage. Favorable market conditions and a solid clientele helped facilitate a smooth transition, though Mike acknowledges he’s not one to shy away from any challenge.

The one-time Loyola Marymount baseball player recalls transferring to USC, and embarking upon the process of earning a spot on the university’s highly-competitive team. “I was able to garner a tryout as a walk on,” he says. “After countless hours of solitary practice, sprints and drills, I was red-shirted, then made the team as well as the travel team.” His athletic aptitude was only one element to Mike’s success; it was his unwavering vision, intense dedication and perseverance that made the difference. And these very characteristics have allowed Mike to thrive during turbulent times.

As the lending and real estate industries continued to reel from financial and legislative blows, Mike discerned that he needed to reposition his business in order to best meet the developing needs of his clientele. He joined Kinecta Federal Credit Union, which boasts 70+ years of successful service. Formerly Hughes Aircraft Employees Federal Credit Union, Kinecta is one of the leading credit unions in the United States. The institution has gained public trust through unique programs as well as competitive rates, and maintains a commitment to providing members with the responsive care they desire.

“In many ways, banking at Kinecta is like working with a small company,” observes Mike. “We are highly

systematized and on the cutting-edge of technology, but we offer a boutique experience and a positive and productive atmosphere.” Local processing and underwriting, he adds, allow for open communication throughout the course of a given transaction. “We’re nimble and remain poised to meet the ongoing needs of our member borrowers,” Mike remarks.

Among Kinecta’s popular programs are the 30-Day Closing Guarantee, a $500 closing credit through Kinecta’s Purchase Power program, and comprehensive loan products geared toward a range of buyers from first-time purchasers to savvy investors. The credit union hasn’t lost sight of its non-member clients, and has created proprietary systems and resources designed to enhance the business of its real estate partners. “Co-branded webinars, continuing education and marketing support systems will allow agents to build their businesses in new and exciting ways,” asserts Mike, who looks forward to contributing to Kinecta’s ongoing success.

In November 2011 Mike was tapped to help launch Kinecta’s inaugural San Diego branch. The move was so successful, that Kinecta has since opened a second branch within the city. The mortgage lending division continues to gain market share and name recognition among consumers and real estate professionals. “We are excited to continue with the momentum we have built,” states Mike. “We have identified the need for a smaller lender with a results-oriented focus, and will maintain a commitment to adding value through community-oriented programs and exceptional levels of service.”

Mike’s focus is on supporting his sales staff and enabling them to increase productivity. His management style is motivational and goal-oriented, with a healthy dose of perspective. “I’ve been through a lot in my career,” he reveals. “I’ve learned not to sweat the small stuff.” A proud father to three athletic daughters, he has coached his girls on competitive teams and applies his experience to his professional coaching. “I appreciate the opportunity to lead with positivity and focus,” Mike says. “I’m committed to helping others achieve their goals.”

Mike Sieber/Manager, Mortgage Loan Sales13161-9 Black Mountain Rd.

San Diego, CA 92129Telephone: 858-335-2810

Email: [email protected] # 353500

Mike Sieber


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For nearly 3 decades, mortgage specialist Eric Anderson has facilitated successful loans for clients and assisted other loan officers in building their own businesses.

An entrepreneur and natural leader, he has held numerous leadership positions as well as owned and operated his own brokerage. Today, as San Diego Manager of Mortgage Loan Sales for Kinecta Federal Credit Union, Eric continues to lead by example.

Eric is a team player with an intense drive to succeed. Highly competitive, he earned a baseball scholarship at the University of San Diego. Though he aspired to continue his career in the major leagues, the realities of life after college graduation prompted him to secure a more reliable professional outlook. Armed with a degree in Business and an unwavering tenacity, he garnered a position as a manager with a regional mortgage finance company, and a career was launched.

“I have always been interested in real estate, and the lending field was a great arena for me,” recalls Eric. “I’ve always been good with numbers, and appreciate the fast-pace of the business.” His amiable nature and team approach allowed Eric to connect with a range of individuals including consumers and industry specialists such as real estate agents, builders, developers and financial planners. He has cultivated a thriving professional network which, Eric says, allows him to expand his comprehensive industry knowledge. “When no two days are ever the same, you want to be as prepared as possible to address unexpected challenges,” he explains.

Eric knows well the challenges associated with his industry; after 12 years of operating his own mortgage corporation he closed shop and transferred his business to Kinecta. The deci-sion, he says, made sense. “With ongoing changes in the lending field, I felt that my clients would be better served if I had the support and resources of a solid company,” Eric explains. “At Kinecta, I am able to focus my energies on meeting my clients’ needs and assisting other mortgage loan consultants in accom-plishing their goals.”

Eric extols the values of Kinecta, an organization with over 70 years in service. “In today’s environment, the long-standing success of a company with an established and reputable name is critical,” he says. “Agents and consumers want to feel that they are working with a reliable lender.”

Kinecta has earned a reputation as a credit union that provides member clients with a comprehensive variety of lending options at competitive market rates. The organization also has the capacity to expand business beyond state parameters. “As a not-for-profit federal credit union, we can provide our mortgage specialists with the ability to lend outside of California,” Eric says. “This is ideal for investors, second home buyers, or referral business.”

Though he continues to work with his own clientele, Eric notes that his focus is on supporting mortgage specialists in building and refining their businesses. The diligence that propelled him athletically now drives his daily efforts as he adheres to the principle that leaders must meet the very expectations they establish. “In sports, coaches have experience playing the game,” he observes. “If you’re not willing to take a few swings at the plate, how can you inspire someone to do so?” Maintaining his finger on the pulse of the industry requires dedication, and Eric consistently rises to the challenge. “The essence of survival is that you must live your objectives,” he explains. “It doesn’t matter if you’re a lion or a gazelle; when the sun comes up, if you’re not the fastest runner, you’re in trouble.”

Eric appreciates Kinecta’s comprehensive loan products and mobility; the organization’s packages, which range from loans for new buyers to super jumbo loans, are designed to meet the ongoing needs of its member clients. “As each transaction changes their goals and outlooks, we are equipped to work with consumers to assist them in achieving their long- and short-term goals,” Eric explains. In addition to a number of conventional loan programs and niche products for investors and distressed-property purchasers, Kinecta is currently, says Eric, one of the few credit unions to act as a Certified Homepath Lender.

Eric thrives in the fast-paced lending environment, and enjoys

collaborating with mortgage loan consultants who also enjoy the challenges and opportunities that the industry presents. His office is thriving, on par with Kinecta’s record as the leading credit union in Los Angeles and a top-ranking organization statewide and nationwide. Eric continues to reach out to mortgage loan consultants and real estate professionals through participation in regional community events.

A competitive golfer, Eric enjoys downtime on the links or with his family. He looks forward to the opportunity to facilitate continued success for his branch, his colleagues and their clients. “We have launched our office with an amazing team,” he offers. “We aren’t just closing loans; we are building relationships. It’s exciting to see the growth we have achieved, and we are optimistic that this trend will continue.”

Eric M. Anderson/Manager, Mortgage Loan SalesKinecta Federal Credit Union

2375 Northside Drive, Suite #125San Diego, CA. 92108

Telephone: 619.654.3995Email: [email protected]

NMLS # 381598

Eric M. Anderson


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Senior Loan Consultant John Davis has established himself as a relationship-driven professional with a comprehensive knowledge

of the elements necessary to fund and close suc-cessful real estate transactions. Collaborative and focused, he works primarily with real estate agents,

financial professionals, and con-sumers developing financing and purchase strategies that will best suit each client’s needs.

“We are structuring busi-ness deals,” he explains. “I’m not just someone who is there to cover the lending portion of a transaction. I’m here to help make it happen.”

John launched his lending career after earning recogni-tion as an accomplished senior executive who negotiated over $300 million in media contracts. His corporate experience proved an ideal foundation upon which to build a business in mortgage lending; John is financially savvy and understands the importance he plays in assisting his cli-ents achieve their long - and short - term real estate goals. “In order to identify the options that will best suit my clients, it is imperative that I get to know them,” he offers. “This goes beyond a single transaction; it’s about developing a deeper understanding of their wants and needs so that I may present them with the best programs for their unique circumstances.”

John DavisBy Lalaena Gonzalez-Figueroa


After affiliating himself with a boutique mortgage broker in Huntington Beach, John determined that imortgage was a firm that would provide him – and his clients – with the services and products they needed to succeed. He joined the company in 2011 and has been thrilled with the course his business has taken. “We employ a really productive business model which focuses on providing exceptional customer care to our agents and their clients,” he explains. “imortgage was founded by individuals who understand the business of real estate, and who have positioned the company for longevity by focusing on purchase business.”

From first time buyers in need of down payment assistance programs, to traditional FHA borrowers, to luxury investors seeking jumbo loans, imortgage offers a wealth of options designed to meet the ongoing needs of its diverse clientele. John’s personable approach demystifies the lending process, easing stress and maximizing results for his customers. “I truly enjoy the opportunity to work with a wide range of people,” he notes. “While each situation is different, there are commonalities that resonate with every client.” Open and direct communication, an ability to creatively strategize solutions to challenges, and a focus on closing the deal have contributed to John’s signature standard of business. His dedication has earned him the loyalty and trust of a thriving clientele.

To maintain a solid grasp of the issues and challenges facing his Realtor® partners, John maintains an active presence in his local community. He is an affiliate member of the Orange County Association of Realtors®, where he networks with

agents and regularly supports the organization’s causes and events. As a happily married family man with four children, John also gives his time to a number of regional civic organizations.

John looks forward to continued success with his steadily-growing clientele. Despite industry challenges, he remains optimistic about what the future holds. “Our line of work can be difficult,” he acknowledges, “but it is also very rewarding. There is tremendous satisfaction in knowing that I have helped a family achieve the goal of home ownership, or assisted an investor in expanding his real estate portfolio. I’ve received some of the nicest thank you notes after a successful closing, which is extremely gratifying knowing that I was able to make a positive difference in the lives of my clients.”

John Davis Senior Loan Consultant

imortgage1301 Dove Street, Suite 101Newport Beach, CA 92660Telephone: 949.705.0576

[email protected]/john.davis

NMLS ID 341251

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imortgage is licensed by the California Department of Corporations CRMLA

4130969, NMLS 3096. Equal housing lender. 06/2012

Trusted Resources for Your Lending Needs

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A progressive direct lender mortgage bank with the capacity to broker loans, imortgage has established itself as an emerging leader within its financial

sector. The company is strong, with over 700 employees situated in offices across seven western states. And imortgage continues to grow, propelled by repeat and referral business driven by customers who appreciate the company’s range of products and its commitment to providing responsive client care.

John Reed is a seasoned mortgage veteran with ample leadership experience to his credit. With over 25 years’ experience in the business, he has aligned himself with industry leaders, maximizing his potential and inspiring others to follow suit. When presented with the opportunity to transition his business as branch manager of imortgage’s Newport Beach location, John was confident that the office would offer what he, his team and their clients needed. “As a purchase-focused company that encourages collaboration with referral partners, imortgage understands the importance of timeliness in closing loans and offering great products,”

he notes. “imortgage also provides excellent marketing and co-branding opportunities as well as in branch processing. The company was an ideal fit for our team, and we look forward to growing together.”

While imortgage originated as an online portal for builder-based business, the company quickly adapted its model to expand into consumer residential loans and refinances. Technology continues to drive the company, which offers easy access to consumers and industry professionals alike. But imortgage isn’t an anonymous company frittered behind an IP address; with 44 offices established throughout the western United States, the lender emphasizes the importance of establishing business through personal and attentive client care. The Newport Beach team, led by Sales Manager Ryan Grant, resides in a beautiful and well-appointed space that features an open floor plan. The atmosphere is professional, sophisticated; this is a business that hums with energy and purpose, attracting consumers and real estate professionals who seek to work with motivated and knowledgeable loan consultants.

We have a loan for every home...simple as that®.

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Ryan Grant, Alan Cipolletti, John Reed


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imortgage offers a solid array of loan products designed to meet the needs of a diverse client base. Asserts Ryan, “In today’s current economic environment, it is imperative that a lender provide a variety of niche products, such as investor-friendly loans that allow for FHA flips in less than ninety days. imortgage also provides financing for clients with up to ten existing financed properties, which is a significant draw for investors.” First-time buyers, too, will discover ample opportunities to borrow thanks to down payment assistance loans. From 1% down products to loans designed for credit scores in the high 500’s, the lender is on-par with today’s consumer market. “We also offer jumbo financing and an REO or short sale extended lock program,” adds Ryan. imortgage is an approved lender for FHA, Fannie Mae, Freddie Mac and USDA loans, and readily participates in programs offered by state and local governments.

Beyond its products, what distinguishes imortgage from other lenders is its structural flexibility. Says Ryan, “Because we are a direct lender, we have access to a range of investors and can utilize creative underwriting in order to accommodate challenges that may arise during the course of a loan.” Unlike big box banks, he explains, “imortgage has the capacity to point a given loan in different directions, adapting as needed in order to facilitate a successful transaction.”

imortgage’s commitment to closing loans with efficacy has made a tremendous impact on the company’s relationship with area real estate professionals. John states, “Our company as a whole is dedicated to helping agents build their businesses. We pride ourselves on offering exceptional customer service to industry professionals as well as consumers, and continue to establish ourselves as a business committed to long-term growth.”

It’s an exciting time at imortgage, where a collaborative atmosphere fosters ongoing success for loan consultants, consumers and real estate professionals. As real estate markets continue to present new opportunities, imortgage is providing sound solutions, making business happen.

John Reed, Branch Managerimortgage1301 Dove Street, Suite 101Newport Beach, CA 92660Telephone: 949.705.0550www.imortgage.com

imortgage is licensed by the California Department of Corporations

CRMLA 4130969, NMLS 3096. Equal housing lender. 05/2012

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Janice Eckles

J anice Eckles, imortgage Loan Consultant, recalls working with a short-sale

buyer whose purchase became jeopardized by a simple clerical error. “Signed loan documents were sent to the wrong address,” she explains. “The realtor® and I realized that the home would go into foreclosure if the sale didn’t close by a specific date.” It would have been easy to point the finger at the erring party, but Janice chose to act on her client’s behalf. Up before dawn, she hunted the docu-ments down to a mailroom in Texas. Taking advantage of the two hour time differ-ence, she arranged same day delivery and the documents arrived back in California by the established deadline. It was all in a day’s work for Janice, but her client was touched. “He and his family came to my home with a gift to thank me,” she reveals. “It was wonderful to see firsthand the impact that a single trans-action had.”

While most loans do not require such heroic effort, Janice’s systematic and

orderly approach enables her to successfully manage the diverse needs of her clientele. Working with builders, real estate agents and consumers, she offers attentive and knowledgeable care backed by the support and products of imortgage.

Before joining imortgage, Janice, a graduate of Santa Clara University, worked as a senior budget analyst for the City of San Jose. Handling a budget of $500 million was an amazing professional opportunity, but family ties brought her back to Southern California. In preparing to relocate, Janice met with an area mortgage banker to arrange for financing for a new home. The appointment yielded more than a loan; days later, as she dropped off documentation, she was invited to meet with the bank’s president. “He thought that I would be an asset to the organization, and created a position for me,” she recalls, quipping, “I went in with an application and came out with a loan and a job!”



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Her unique position working for the President was well suited to Janice’s interests. Not only did she learn the banking industry from the top-down, she also gained invaluable experience in practical areas including lending and loan processing. She became well-versed in jumbo loan packages for multimillion dollar projects as she established the bank’s construction lending division. With a firm foundation, Janice moved her focus to loan origination. “I was fortunate,” she recalls, “to be presented with an opportunity to work with one of the most successful construction lenders in the country.” She took full advantage of the mentorship, gleaning a wealth of knowledge and experience in the process.

As the real estate and financial sectors have continued to change, Janice has adapted accordingly. Today she maintains a thriving business whose foundation is firmly rooted in residential home purchases, working with a range of clients including first time buyers, luxury real estate consumers and investors.

Janice reveals that her role as a Loan Consultant allows her not only to utilize her background and knowledge in finance and business, but also appeals to her on a personal level. “For nearly twenty- five years, my father was the Inglewood city manager,” she offers. “I grew up surrounded by a sense of service to the community, and enjoy the opportunity to make a difference in the lives of my clientele.”

She takes the time necessary to build lasting relationships with her customers, and provides her clients with the education and information they need in order to make informed decisions that will best suit their needs. “I strive to understand each client’s motivations,” Janice says. “At times, there can be a disconnect between what consumers want in a home, and what they can really afford. This is when it becomes imperative that they be presented with options on how to accomplish their short- and long-term goals.” She adds, “By providing my clients with honest and up-front information, I am empowering them to take control of their financial well-being well beyond the real estate transaction.”

Her efforts are backed by the imortgage reputation as a solid company designed to meet the changing needs of real estate consumers. The bank offers a range of programs including loans tailored to first time home buyers and jumbo products for high-end clientele, “imortgage features a great leadership team with a forward-thinking approach,” states Janice. “This makes a significant difference in our ability to exceed the expectations of consumers and business partners, and to maintain a consistent and timely delivery of loan products.”

From first time purchasers to high net-worth consumers, Janice is pleased to offer exceptional care and competitive loan products designed to meet her clients’ diverse needs. A Five Star Professional and winner of the President’s Club Award, she looks forward to continued business growth.


Janice Ecklesimortgage1301 Dove St., Suite 101Newport Beach, CA 92660Ph: (949) [email protected]://www.imortgage.com/janiceeckles

“I grew up surrounded by a sense of service to the community, and enjoy the opportunity to make a difference in the lives of my clientele.”


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With over 40 years’ experience in real estate-related industries, Harry “Nipper” Larson has amassed a comprehensive knowledge

base that has allowed him to thrive even during

the most challenging conditions. His straightforward communication style and results-oriented approach make Nipper an ideal professional partner for agents focused on success.

In 1971 Nipper launched his career as a sales associate for a new home builder before transitioning into the resale market. He went on to represent com-mercial sales and leasing, then delved into the construction sector as a builder/developer. The venture, he quips, “was successful until the market crashed. It was a riches to rags story.”

As economic challenges continued to impact the real estate industry in the late 1970s, Nipper, like so many of his col-leagues, was faced with a life-changing decision: to tap into reserves and plow through, or to concede defeat and make a move into a new career. He was resolute in his decision to succeed, and Nipper capitalized on the opportunity to move forward professionally. No longer ful-filled in his role as a real estate agent, he says, “I decided the time was right for a new focus.” An interest in finance and a keen ability to strategize successful solutions for his clients were ideal ele-ments with which to build a business in residential lending, and Nipper delved in with his signature focus.

With an intimate understanding of the challenges facing buyers and real estate agents, Nipper developed a busi-ness that catered to the unique needs of each client he represented. He thrived, becoming so in-demand that he was able to launch his own series of successful brokerages in San Clemente. When the industry once again felt the impact of a worldwide financial shift, Nipper con-sidered the prospects that would best suit his clients’ needs.

Experience Adds ValueBy Lalaena Gonzalez-Figueroa


Nipper LarsonIn 2012 Nipper transitioned his business to imortgage,

a company he heralds as one focused on conducting solid and productive client-centric business. “As a former real estate agent, I know how challenging it can be when lenders don’t seem to actually want to close loans,” he observes. “At imortgage, our leadership is taking great pains to ensure that we have resources and products geared to a range of consumer buyers.”

While he enjoys the opportunity to work directly with consumers through an established base of repeat and referral clientele, Nipper is also committed to the collegial relationships he has cultivated with real estate agents. “I’m here to add value to the transaction for agents as well as consumers,” he explains. “Closing loans for my clients is imperative, but providing agents with the tools and support they need to build their businesses is also a critical component to my success. Because I won’t accomplish much if my agent partners aren’t successful.”

As a professional partner, Nipper shares his extensive industry experience to assist agents in identifying goals and creating solid courses of action. “We’re looking at their next step,” he says. Supporting his efforts is the team of specialists at imortgage, which offers comprehensive market strategies in addition to a vast array of loan products. “At imortgage we have access to a range of loans including FHA, VA and USDA,” Nipper states. “We also offer a pledged asset program for individuals with stated income, a lock and shop option that is ideal for investors as well as short-sale buyers, and a 203K program for homes that require updating or rehabilitating.”

Pairing clients with the products that best suit their unique needs requires in-depth knowledge, and Nipper works closely with his customers to ensure they feel comfortable with their financial decisions. “I’m not here to judge or to tell consumers what to do,” he states. “My

aim is to provide them with the information necessary to acquire the right loan.”

Throughout the course of a given transaction Nipper maintains ongoing and open communication with consumers and agents, providing updated timelines and addressing any potential issues that, if unresolved, might impede the process. He is determined yet realistic in identifying qualification parameters. He explains, “I am straightforward with what we can do in order to close transactions in a timely and efficient manner. It’s my responsibility to ensure that a client is able to successfully complete a loan contract, and I understand the ramifications that a sub-par application may have.”

Years in the business haven’t clouded Nipper’s enthusiasm for his work. “I enjoy what I do, appreciate the opportunity to help so many individuals accomplish their goals,” he says, adding, “I have been fortunate to have many of my clients become my friends.”

A long-distance runner and bicyclist who enjoys competing in marathons and triathlons, Nipper finds balance through exercise. Once an avid surfer, he now connects with nature as an avid golfer. He supports the Ashland House, a home for women recovering from drug, alcohol and domestic abuse. “It’s a place for women to find assistance in repairing their lives,” he says. “I am pleased to be able to give back to my community this way.”

Nipper LarsonimortgageTelephone: 949.705.0550Email: [email protected] ID 397408



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Marty Hayek



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His affable nature and entrepreneurial spirit have been the bricks and mortar of Marty Hayek’s solid professional career. Driven to succeed,

he has cultivated a thriving business as a mortgage pro-fessional who tailors exceptional service to meet each client’s unique needs.

Before transitioning into the financial sector, Marty honed his interpersonal communication skills as a doorman at San Diego’s prestigious Manchester Grand Hyatt. The experience, he notes, was an ideal proving ground for his subsequent professional endeavors. “It was great; you had thirty seconds to make a connection with a client, to identify their wants and needs and determine how to best serve them.”

His consistence and proactive approach didn’t go unno-ticed. When Marty was introduced to corporate mogul Joe Stumpf, the nationally-recognized speaker quickly identified his potential for success. “He offered to coach me,” recalls Marty. The timing was serendipitous; he had completed his college degree and was ready for a new challenge. Weekly coaching meetings helped him develop goal-oriented systems steeped in accountability, testing his mettle and reinforcing his desires to succeed. “I’ll never forget those five a.m. meetings,” he muses. “The principles I learned are ingrained in the way I do business today.”

Eventually he joined a boutique agency as a real estate agent and mortgage specialist, steadily growing his busi-ness through a network of repeat and referral clientele. By 2000 Marty had dedicated himself to the real estate industry, where he excelled in developing relationships and facilitating successful transactions for his customers. In addition to working with consumers at every stage of the real estate process, Marty also built a clientele of builders which offered insight into the specific needs of new home construction business.

As his career progressed, Marty refined his professional focus. As a senior mortgage consultant, he offers straight-forward and results-driven service for a range of clients. He is direct, providing his clients with the information and knowledge they need to accomplish their goals. The process, he acknowledges, has its challenges. “In today’s market there is no such thing as an easy transaction,” Marty observes. “But rather than worry about the flies in the ointment, I’m focused on identifying strategies to extricate them.”

He confronts issues with determination, resolute on determining strategies for success. In the often puzzle-like process of a financial transaction, Marty’s creative

drive allows him to consistently achieve the big picture. “I enjoy working complex loans,” he reveals. “The challenge of meeting guidelines and identifying loan pro-grams that will work for both the borrower and the lender is a rewarding process.” His detail-oriented approach and exceptional market knowledge make Marty an ideal fit for business professionals and high-net worth individuals, whose unique needs often require creative solutions. He is adept not only at creating solid financial packages for his clients, but also at streamlining the process and elimi-nating the stressors involved to consumers and their real estate agents. “Whenever possible, I insulate my bor-rowers from the aggravating factors involved in obtaining a loan,” he explains. “While I focus on maintaining direct and ongoing communication with my clients throughout the process, I try to absorb as much of the stressors associ-ated during the course of the transaction.”

In an industry increasingly marked by the use of auto-mation, Marty’s attentive approach has helped facilitate solid long-term relationships with clients and colleagues alike. “Beyond a given transaction, I’m here to serve as a trusted resource,” he explains. “I’m here to provide long-term, comprehensive solutions to my clients’ financial needs.” He is introspective, maintaining a genuine sense of accountability in his professional responsibilities. To that end Marty maintains strong collegial relationships throughout the region. A member of the Solana Beach Chamber of Commerce, he is particularly interested in further developing a local professional network.

Outside of his work, Marty is a devoted father of four who finds solace and rejuvenation in international waters. An avid surfer, he has traveled the world in search of pristine locales. Among his favorite journeys have been trips to the Canary Islands, Nicaragua, Indonesia and Costa Rica.

Marty looks forward to continuing to meet the needs of his clientele, offering sound solutions to an array of real estate-related needs.

Marty HayekGateway Funding

11682 El Camino Real, Suite 250 San Diego, CA 92130


NMLS # 653003

Success is Earned


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Brett McDonell

H e launched his mortgage career at the age of 20, and Brett McDonell maintains that he’s in the industry “for life.” He explains, “Real estate is in

my family’s blood. My parents were successful agents working throughout Huntington Beach and my uncle has managed several local mortgage companies throughout the past twenty five years. I’ve been around the business for many years, and have always known I wanted to be a part of it.”

His enthusiasm has shaped Brett’s business, propelling him in his relationship-driven approach and motivating him to consistently offer an exceptional level of client care. His focus, he says, remains firmly fixed on accom-plishing each individual’s unique long-and short-term goals. “I love structuring financial plans,” he asserts. “My business isn’t transactional; I’m not just providing a mortgage. Instead, I partner with CPAs and financial planners to assist clients in preparing for their futures.”

Brett is a solution-oriented mortgage banker who works with new home purchase loans as well as refinances. His ample product knowledge and com-municative style have earned him the trust and respect of consumers, real estate professionals and industry specialists alike. Supporting the collegial relationships Brett has cultivated with his referral partners is imort-gage, a mortgage banking company established with a specific understanding of the needs of industry profes-sionals. On the cutting-edge of technology, imortgage offers a wealth of products designed to meet the needs of a range of real estate consumers.

He joined imortgage in May 2011, and Brett explains how the company’s localized approach to lending has made a difference. “With in-house processing, underwriting and funding, we are able to significantly expedite the process of securing mortgage loans for our customers,” he says. “imortgage is truly dedicated to conducting business, even during challenging financial times.”

In addition to an array of competitively-priced loan and refinance products, imortgage also offers real estate professionals the advantage of co-branded marketing and advertising, educational seminars and outreach tailored to consumers, and the company’s history of excellence

in client care. With an experienced and knowledgeable leadership team, imortgage continues to explore new opportunities to assist consumers in achieving their real estate-related goals.

“While we are an approved direct lender for tradi-tional loans such as FHA and VA as well as state and government loan programs, imortgage also works with independent investor groups,” states Brett. “Our rela-tionships allow us to offer exceptions on loans that might not fit with traditional banks, and to provide creative solutions for our customers’ unique situations and needs.”

Brett adds that he appreciates the support of a knowl-edgeable and dedicated team of professionals who uphold the imortgage standard of care. “Our company is structured to ensure not only that consumers’ needs are consistently met, but that mortgage planners have the resources and assistance necessary to allow us to focus on developing and maintaining client relationships. We have what we need to create our own success.” Brett’s dedication to his business has yielded notable results; he reveals that his business is thriving thanks to a growing base of repeat and referral clients.

A dedicated professional, Brett is an active member of the Newport Beach Association of Realtors® and the Orange County Association of Realtors® as well as the Financial Planning Association of Orange County. He has funded in excess of $250 million in loans throughout the course of his career, working with a spectrum of clients including first-time buyers and high net-worth individuals. The Orange County native is also a family man who enjoys spending time with his wife Autumn and son Cruz.

Brett McDonell - Loan Consultantimortgage1301 Dove Street, Suite 101Newport Beach, CA 92660Telephone: [email protected]/brett.mcdonellNMLS ID 303085

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His strategic business approach and client-centric focus have allowed Mark Martinez to cultivate a thriving clientele throughout San Diego and Northern

California. As a senior loan consultant with imortgage, he offers exceptional customer care backed by the company’s promise to offer a loan product for every home.

Mark was working in curriculum development when he was recruited into the lending industry. He was fluent in Spanish, with exceptional organizational skills and an ability to readily connect with a range of personalities. Early on, he says, he knew he had found his niche. “I began to build a base of clients even while I was an assis-tant,” he recalls. “And I truly enjoyed the opportunity to help others achieve their goals of home ownership.”

His diligence has allowed Mark – and his clients – to combat the challenges posed by a transitioning market-place. “There are frustrations that arise,” he explains. “When obstacles present themselves, we find motivation and move forward.” This philosophy applies to his own career as well as the transactions he helps to facilitate. In the end, it’s Mark’s ability to achieve successful resolu-tion that has earned him the respect and trust of clients, colleagues and industry partners.

As an active real estate professional, Elizabeth Willahan has established relationships with a number of knowledge-able mortgage professionals. But when the time came to purchase her own home, Mark was her lender of choice. “There are many individuals out there who lack follow-through, or who make promises they simply can’t keep,” she observes. “When Mark says he’s going to do some-thing, he does it. He offers uncompromising attention to detail and is incredibly thorough in securing the infor-mation necessary to achieve a successful closing.” His knowledge and can-do approach, she adds, make a differ-ence. “Mark is incredibly reliable,” notes Willahan, who has referred him beyond her own clientele. “He actually saved a transaction on a listing I was representing. When the buyers, in the middle of the process, were told that they didn’t actually qualify for their loan, Mark was able to step in and make it happen. Not only did he prevent the sale from falling through, but he also kept us on track with the original closing date! He knows what he’s doing and that’s why I chose to be his client. I trust him and know that he’s working with my best interests in mind.”

Mark creates an individualized plan for each of his cli-ents, based upon their unique long- and short-term goals.

In-depth communication allows him to understand their wants and needs, and to establish a systematic course of action designed to maximize efficacy throughout the pro-cess. “My focus,” he says, “is to help my clients get where they need to be.”

His efforts are backed by the support and products avail-able through imortgage, a rapidly-expanding organization that adheres to a service-based model. The company provides a refined business platform that allows mort-gage consultants and their clients to take advantage of streamlined, highly-systematized processes. “Every day,” remarks Mark, “I’m updated on the status of a given trans-action or application. The responsiveness of imortgage is very complimentary to my proactive style of business.” His assistant, Gloria Knutson, adds value to his business as well. “She’ hands-on, really professional and offers great customer service to my clients and business part-ners,” Mark says.

Mark works with a diverse client base that spans from first-time to high-end buyers and investors, with products providing up to $2 million. He excels at identifying and implementing creative solutions for challenging transac-tions, thoughtfully packaging loans in order to consistently garner approvals. He adds significant value to his profes-sional partners, as well, supporting them in maximizing their business potential.

While Mark is actively involved in recruiting and management with imortgage, he acknowledges that his greatest professional rewards hail from the successes of his consumer and industry-based clientele. “I love being able to contribute to the process, to seeing people realize their dreams,” he reflects. “It’s an amazing opportunity to help others accomplish their goals.”

Mark Martinez, Sales Managerimortgage2099 State College Blvd., Suite 102Anaheim, CA 92806Telephone: [email protected]/mark.martinezNMLS ID 302745

Mark MartinezYour Partner in Success




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H is dedicated efforts and comprehensive market knowledge have allowed Marc Bui to fund over $250 million in business, and he maintains an

unwavering commitment to meeting the ongoing needs of his thriving clientele. His professional partners appre-ciate the focus and efficacy with which Marc and his team operate. “We are consistent performers,” he asserts. “Time and again, we are facilitating successful transac-tions for our clientele.”

The course of Marc’s career to date mirrors the tenacity with which he operates. He entered the lending industry while still in college, and credits much of his success today to his creative studies. “I love art,” he says. “My classes taught me to stay organized, which is integral in this busi-ness.” But the true foundation of his success, Marc notes, is the network of relationships he has cultivated with con-sumers and industry-related colleagues. “This is a people business,” he says. “The ability to pair a financial product with the unique needs of individuals is critical.”

An entrepreneurial spirit and competitive drive have guided Marc’s professional journey; within four years of launching his lending career, he was opening his own net branch. “It all started as a one-man-show,” he recalls. “I learned to originate and process my own loans.” Eventually he grew the company to a successful 20-person operation. But when the market shifted, Marc made the tough decision to refocus his energy on his clientele. He took a positive perspective from the process, noting, “I had a great experience running my own company. I learned how to treat people well, and I realized that my greatest rewards come from the opportunity to make a dif-ference in the lives of my clients.”

Marc joined imortgage in 2011. He appreciates the com-pany’s scope, and notes that imortgage’s competitive rates and full menu of products are designed to meet the ongoing needs of a diverse consumer marketplace. “We’re consis-tently growing, thanks to our commitment to providing our clients and business partners with an exceptional level of care and range of services,” he observes.

His client-centric approach mirrors the philosophy at imortgage. Marc explains, “We are firm believers that when you put your clients at the forefront of your actions, your business will grow accordingly.” To facilitate this model, imortgage has implemented a solid technological platform that allows loan consultants like Marc to main-tain communication and maximize efficacy throughout the

course of every transaction. Taking the technological edge a step further, Marc has developed a proprietary program that, when launched, will streamline the business of real estate lending.

His efforts have been supported not only by the cache of resources at imortgage, but also by his accomplished and dedicated team of professionals. Marc applauds his group for its ability and focus, noting, “we are all driven to accomplish successful transactions and to consistently do the right thing for our clients.” Production Assistant Melissa Turner is licensed, and, says Marc, “knows the industry inside and out.” Processor Matt Smyth, he adds, “is amazing and works to keep every transaction as smooth as possible.”

Marc specializes in residential purchase business, and has earned accolades for his dedication to first-time buyers. He is well-versed in specialized programs and tax credit opportunities, and offers bi-monthly seminars through the Neighborhood Housing Services of Orange County. He is incredibly detail-oriented and has been notably successful in reviving stalled or faltering transactions. “Sometimes it’s simply a matter of an overlooked opportunity, or an incorrectly-applied credit,” Marc explains. “Other times, by exploring different products and programs, I’ve not only saved a loan, but lowered my clients’ monthly payments as well.” His diligence is reflected in Marc’s commitment to the pursuit of ongoing training and education; he dia-logues with colleagues and regularly attends classes and seminars to stay abreast of the changes and developments impacting his industry – and his clients. “I’m learning something new every day,” Marc says. “This allows me to continue to meet my clients’ changing needs, to assist them in consistently achieving their goals.”

Marc Bui - Loan Consultantimortgage1301 Dove Street, Suite 101Newport Beach, CA 92660Telephone: [email protected]/marc.buiNMLS ID 380219

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A Client-Centric ApproachBy Lalaena Gonzalez-Figueroa

Marc Bui


W hen it comes to real estate financing, says Julia Maio, there’s no mistaking the bottom line. “If you don’t have the money to close the deal,”

she observes, “you don’t have a deal.” And she has made it her business to ensure that, time after time, residential consumers are obtaining the loan packages they need to turn dreams of home ownership into realities.

Julia’s professional history includes working as a mortgage loan consultant and a real estate agent. Her experience allows her to better understand the needs of her consumer clients as well as her industry partners. Her ability to differentiate her approach to meet the unique needs of each client, paired with smart use of technology, has given Julia a competitive edge within her market-place. Adding to that, she says, is the tremendous value that Kinecta Federal Credit Union provides throughout the course of every transaction and beyond.

“Kinecta provides a great array of loan products designed for a range of buyers,” Julia observes. “First-time buyers have access not only to traditional loans but special incentives as well. Experienced investors and high-end homeowners are able to take advantage of jumbo

loans up to four million dollars, as well as packages designed for second home buyers.” Kinecta’s Purchase Power, she adds, is a program designed to ensure that member clients’ loans close within 30 days. With a money-back guarantee, Kinecta is, she says, proving its philosophy of accountability and exceptional customer care. “We understand that in a highly competitive mar-ketplace, buyers need to have the backing of a responsive lender,” Julia states. “From first-time purchases to short sale transactions, we’re working to maintain efficacy and timeliness with every loan.”

Julia’s personal approach to business has earned her a solid base of repeat and referral clients who appreciate her dedication and commitment to their needs. She excels in working with first time buyers, and provides open and honest communication that’s not limited to traditional banking hours. She is also highly adept at packaging complicated financial products including loans for high net-worth individuals, who require the finesse of a pro-fessional with the capacity to translate their financial strengths onto paper. “It can be challenging,” Julia acknowledges. “But I love the opportunity to make it happen.”

While she’s based in San Diego, Julia notes that she is able to close loans throughout California and in 24 states across the country. Locally, she reaches out to consumers and industry professionals including agents, financial planners and tax preparers through seminars and networking events. “I’m exploring anything I can do on a regular basis to assist others in building their businesses,” she says. “As the marketplace continues to change, I’m providing my clients and business partners with the infor-mation they need to successfully adapt and grow.”

Julia consistently provides an exceptional level of ser-vice to others, backed by a genuine sense of purpose and care. “We’re doing great things here at Kinecta,” she smiles. “This is an exciting time and we’re looking for-ward to continued success.”

Julia MaioKinecta Federal Credit Union2375 Northside Drive, Suite #125San Diego, CA. 92108Tel: 619-301-6539Email: [email protected]: www.kinecta.org/jmaioNMLS ID 872912

Julia MaioA Powerful Partnership

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A free-spirited entrepreneur with a passion for learning, Dan Marquez never met a challenge he didn’t face head-on. His diverse profes-

sional background includes product development and international sales, careers that have allowed him to hone his unique ability to identify creative solutions to his clients’ needs. As a mortgage loan consultant with Kinecta Federal Credit Union, Dan offers consumers and real estate professionals exceptional service backed by solid knowledge and experience.

Dan transitioned into real estate as an appraiser before pursuing his interest in the lending industry. “I love the idea of building a business based on relation-ships and networking,” he explains. “There are many challenges within our environment, and I enjoy the opportunity to work on behalf of my clients to assist them in accomplishing their goals.”

His business acumen and natural leadership skills serve as the foundation of Dan’s industry success. Before

joining Kinecta in 2012, he earned recognition as a top-producing mortgage consultant and went on to open his own brokerage branch, which served clients nationwide.

Moving to Kinecta, formerly Hughes Aircraft Employees Federal Credit Union, came as a result of careful consideration of what Dan – and his clients - needed to thrive in a changing marketplace. “As a not-for-profit organization, we offer our clients a great range of products, competitive rates, and responsive service,” he says. “Interest on loans is typically lower than at a for-profit bank since the goal is not to make money for the shareholders. You do not make donations to a not-for-profit. It is still a business, not a charity,” he states. “Kinecta is making strides in the real estate sector thanks to our commitment to providing exceptional, results-oriented service.”

Dan’s professionalism is tempered by an affable nature; he connects readily with a range of individuals, facilitating open and effective communication. His experience and knowledge makes him an ideal match for aggressive top-producers as well as newer agents, who appreciate the opportunity to partner with a loan consultant who offers succinct and accurate information. “Even the most experienced real estate professionals will encounter unfamiliar details in the financing portion of a transaction,” he observes. “My aim is to ensure that agents and consumers have the information they need to achieve a successful closing.”

He is thorough and detail-oriented, working closely with his business partners throughout the course of every loan transaction and beyond. “At the end of the day,” he observes, “people really want to work with someone who knows his business and can close loans in a timely manner.” Dan’s consistency has earned him the trust and respect of a growing base of agents as well as consumers, who appreciate his professional approach and the resources associated with Kinecta Federal Credit Union.

Dan MarquezKinecta Federal Credit Union2375 Northside Drive, Suite #125San Diego, CA. 92108Telephone: (619) 559-8437Email: [email protected]: www.kinecta.org/dmarquezNMLS #290721

Dan MarquezLoan Consultant

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With over 15 years in the business, mortgage con-sultant Tracey Carrino has proven her mettle as a professional who doesn’t back down from

challenges. A former real estate agent who found her niche in the lending industry, she provides her clients and consumers with attentive and knowledgeable care.

The scope of Tracey’s lending career has allowed her to develop a solid understanding of the elements involved in facilitating successful transactions. She knows first-hand the issues facing real estate agents, and also offers experience in underwriting and servicing. It is as a mort-gage consultant, though, where her attention to detail and exceptional relationship-building skills work in tandem to yield consistently exceptional results. While she works directly with consumers, Tracey has also established a solid network of industry professionals including real estate agents, CPAs, attorneys and financial consultants. “I’m tapped into a diverse group of specialists,” she says. “This allows me the opportunity to expand the referral resources I can provide my clients.”

After working with national lenders, Tracey transi-tioned her business to Kinecta Federal Credit Union in

2011. Established over 70 years ago, Kinecta has evolved into one of the nation’s leading credit unions, with over $3.2 billion in assets. With the capacity to close loans in 25 states across the country, Kinecta is rapidly expanding its market share in the residential and commercial loan arenas.

Tracey appreciates Kinecta’s commitment to meeting the ongoing needs of its clients, and notes that the credit union offers an array of products and competitive rates designed for a range of individuals, from first-time buyers to those in the luxury home market. Among the opportuni-ties available to Kinecta’s member-owners are low down payment, asset utilization programs, FHA and jumbo loans as well as buyer incentives. Notes Tracey, “Our organi-zation is truly proactive in making the changes necessary to stay abreast with the needs of the market. Kinecta is strategically positioned for ongoing success because we understand the client-centric model and adhere to the phi-losophy that our members’ needs drive our business.”

A dedicated advocate for her clientele, Tracey offers an exceptional level of customer care throughout the course of every transaction she represents. “Personal service is my priority,” she asserts. “I’m readily available to answer questions and address concerns.” Her commitment has earned Tracey a reputation as an honest and responsive mortgage professional who excels in navigating and com-pleting challenging transactions.

Tracey is diligent in completing research and seeking ongoing education and training. “As guidelines continue to change, I am constantly learning,” she says. “This keeps me current and allows me to provide my clients with the best possible level of service and knowledge.” Tracey’s dedication has earned her not only a loyal client base, but recognition as a top-producing lending professional as well. One of her greatest rewards, though, is the satisfac-tion of a job well done. “It’s exciting to get a great rate for buyers, to help them realize their dreams,” she says. “And I truly enjoy the opportunity to help my professional part-ners build their businesses and achieve their goals.”

Tracey CarrinoKinecta Federal Credit Union13161 Black Mountain Rd., Suite 9San Diego, CA 92129Telephone: (619) 865-8570Email: [email protected] # 327180

Tracey CarrinoLoan Consultant

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Just out of high school when she earned her real estate license, Trisha Avey entered the industry with a sense of purpose and direction beyond

her years. Her parents were successful agents, and she grew up with an insider’s perspective on the elements of successful business practices. In 2011 Trisha earned her broker’s license, and has continued to offer her clients the attentive and personalized service that has become her trademark.

Her tenacity is evident in every aspect of her career; Trisha’s drive has propelled her to face challenges head-on, working tirelessly to accomplish each client’s goals. She has gained invaluable experience working with other agents, studying successful approaches to business and incorporating best practices into her own repertoire. The opportunity to work with a range of transactions including distressed properties allowed Trisha to establish herself as a knowledgeable professional.

Trisha’s ample experience enables her to offer exceptional representation for her clientele. Her patient and communicative style is well-suited to her work as a buyer’s specialist, a role she cherishes. “Buying a home can be so emotionally stressful, and I strive to make the process as smooth as possible,” she explains. “I’m there for my clients, available to answer questions and address concerns so that the experience can be a positive one.”

She adheres to a team mentality noting, “We’re all a part of the business,” and Trisha appreciates the collegial support within her primary office, Battiata Real Estate Group, which offers comprehensive marketing and advertising campaigns, a strong industry network, and access to a wealth of pre-listed properties. “We have established excellent professional relationships with banks, as well,” notes Trisha. “This allows agents affiliated with Battiata Real Estate Group to assist our clients buying and selling distressed homes.”

Trisha, who grew up in North County, has cultivated her own professional network that spans an ample region including San Diego, Orange County, Los Angeles and Riverside County. She is sociable and succinct, and utilizes her strengths in order to successfully align herself with like-minded individuals whose level of customer care matches her own.

Her dedicated efforts have earned Trisha a thriving base of repeat and referral customers, who appreciate her unwavering focus on accomplishing their objectives. “I believe in earning my clients’ business,” she says. “By establishing solid relationships built upon trust and respect, I’m able to ensure that each client is comfortable, educated, and well-prepared for the real estate process.”

Trisha AveyBattiata Real Estate GroupTelephone: (760) 622-9182Email: [email protected]: www.Battiata.comDRE # 01513246

Trisha AveyTrust is Earned


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She is cultured, worldly, and accomplished; real estate professional Cesi Pagano’s unique back-ground allows her to

successfully navigate the challenges of real estate for a diverse and savvy clien-tele. Her attention to detail is impeccable, her commit-ment to success unwavering. When Cesi sets her sights on a goal- whether it’s hers or a client’s – there’s no stop-ping her.

Cesi launched her real estate career after earning a degree in Architecture with a minor in Interior Design from Cal Poly Pomona. Though she intended to forge a professional path as an architect, an intern-ship opportunity changed her course. “I realized that my heart was really in the building side,” she recalls. Tenacity drove her to explore that passion, and Cesi obtained a corporate position with a respected home builder. The work afforded her an insid-er’s understanding of the homebuilding process and allowed her to maximize her creativity and disciplined work ethic. Those skills weren’t lost on her employer, who eventually convinced Cesi to accept a position as a new home sales associate. Though she acknowledges that she was initially reluctant to move

into sales, it wasn’t long before she realized she had found her calling.

Employing a consultative and collaborative role, Cesi discovered that she had the solid interpersonal skills nec-essary to make a significant difference in the lives of her clients. “I’ve never focused on being a salesperson,” she explains. “Instead, I’m driven to meet my clients’ needs and exceed their expectations.” After nearly 15 years in new home sales the time was right to pursue a new

challenge. Cesi delved into the resale market, though she maintained professional relationships with a number of area builders.

Today Cesi maintains her own thriving clientele as a listing specialist, continues to work with builders, and leads a team of professionals known as The Cesi Pagano Team. “After assisting hundreds of home buyers with their dreams of home ownership, I developed a team who specializes in ser-vicing buyers so that I could focus on my listing exper-tise,” she explains. Highly competitive and driven to succeed, she maximizes her competitive nature and hands-on approach to busi-ness in order to consistently capitalize on opportunities within the marketplace. She is candid in her reflections of the industry’s economic challenges. “I can honestly say that the market hasn’t

impacted my business volume or production,” Cesi reveals. “I have been fortunate to earn a clientele that is comprised of approximately ninety eight percent repeat and referral customers, and have maintained a steady flow despite market trends.”


Top 1% in the Nation, Multi-Million Dollar ProducerOver 1,600 Homes Sold

Unsurpassed Customer Satisfaction


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Years of industry experience have allowed Cesi to navigate the often tumultuous waters of a cyclical mar-ketplace. In keeping with the ongoing needs of today’s clientele, she has adapted her business accordingly. “I’m not focusing on any particular niche market,” she explains. “I believe that a well-rounded real estate professional is the ideal resource for clients who may become impacted by trends and changes.” To that end Cesi has mastered the short sale process, which allows her to work with distressed homeowners as well as investors. She lists homes at every level of real estate, from high-end and luxury properties to comfortable resi-dences ideal for first-time and move-up buyers.

Though she maintains her own book of business, Cesi has a notable influence in the transactions completed by her team members as well. “We have become highly systematized in order to provide every client with a con-sistent experience regardless of which agent he or she works with,” she notes. “This allows our team members to collaborate and readily accomplish their clients’ goals without compromising their level of service.”

Cesi’s dynamic approach to business has earned her recognition and respect throughout the real estate com-munity and beyond. The award-winning top producer has been tapped to speak at seminars and conventions, in

webinars, and on the well-regarded radio business show Critical Mass.

An accomplished businesswoman and mother of three, Cesi creates balance in life by spending time with her children and staying active. Fluent in Spanish and Italian, she loves to travel and journeys annually to Europe.

Cesi exudes professionalism and enthusiasm, and is optimistic about the opportunities that await. Her client-centric attitude drives her ongoing goals. “I want every client to complete a transaction feeling that my team and I were there every step of the way,” she asserts. “Despite the transitioning market, we are here to facilitate a process that is as seamless and stress-free as possible, working to achieve each client’s goals and dreams in a timely and efficient manner.”

Cesi PaganoKeller Williams Realty27101 Puerta Real #150Mission Viejo, CA 92691Telephone: 949.370.0819Email: [email protected]

The Cesi Pagano Team

Alan Cipolletti


For over 23 years, mortgage professional Alan Cipolletti has

served as an integral component of thousands of Orange County real estate transactions. A strong focus on customer care, coupled with his commitment to maintaining up-to-date market knowledge, enables Alan to provide his clients with exceptional service throughout every transaction.

After earning a degree in Finance from San Diego State University, Alan was accepted into a rigorous training program with a Newport Beach mortgage firm in 1987. His understanding of big-picture finances enabled him to build long-term relationships with his

clientele, who appreciated Alan’s ability to understand how their real estate investments fit into their financial portfolios.

Alan has worked as the Lake Forest branch manager for MetLife Home Loans since 2008, after having spent 15 years with First Horizon. An emerging powerhouse in the business of home loans, MetLife boasts over 150 years in the insurance industry, offering clients the stability of a company with an enduring history and worldwide name recognition. Though change was inevitable, Alan’s exceptional service proved a constant factor in his business. “Experience makes the difference,” he says of his success. “Though I’ve been in the business for over twenty years, it’s unbelievable how unique every transaction is. I learn something new from every loan, and I utilize what I’ve learned in order to facilitate a smoother process in the next transaction.” He explains, “You wouldn’t want to go to an inexperienced doctor for even a cookie-cutter surgery, and you wouldn’t want an inexperienced loan officer to handle the biggest purchase in your life. Every person is working with a distinct set of circumstances, and I tailor every loan package accordingly.”

Your Local Mortgage Specialist By Lalaena Gonzalez-Figueroa


Alan works with his clients on an array of loan products including conventional, FHA, jumbo, builder loans, and a special program for members of the California State Teacher’s Retirement System (CalSTRS). As an experienced mortgage professional he understands the importance of ongoing communication, accurate information, and a comprehensive approach. Through MetLife’s Home Loans’ LoanTracTM program, Alan and his clients have access to loan information throughout every step of the transaction, which keeps all parties updated and prepared. He works with a local team that includes in-house processor Geri Nelson, who provides invaluable support throughout the loan process. “Working together, we go through every loan with a fine-toothed comb,” he reveals. “Our aim is to make the experience as smooth as possible for our real estate partners as well as our consumers.”

His successful business has been built upon a foundation of attentive care. “I understand that real estate agents need to work with a mortgage professional who is available,” explains Alan. “I return e-mails promptly, answer my cell phone at all times, and am proactive in disseminating important new information to the agents I work with. Ultimately, the service I provide has a direct impact on how their customers will evaluate them, and I strive for the highest level of care.”

While Alan is committed to his professional endeavors, he is also a dedicated husband and father. Outside of work he enjoys spending time with his family and coaching his sons’ soccer teams. He looks forward to the opportunity to continue to build his business, helping his clients achieve their real estate goals.

Alan Cipolletti, Branch Manager IIMetLife Home Loans

23201 Lake Center Dr., #101Lake Forest, CA 92630


http://www.alansloans.com

Gary Northan

EXECUTIVEAGENTTM

MAGAZINE


For over 15 years, title specialist Gary Northan has cultivated solid relationships with real estate professionals throughout the region. Energetic and

driven by a positive outlook, he makes no bones about his ambitions. “I want to work with exceptional agents who are committed to doing great business,” he states. “I enjoy the opportunity to build collegial partnerships with my clients and to offer them an excellent level of service that is tailored to their unique professional needs.”

It’s an objective he has dedicated himself to accomplishing. Gary’s approach is highly proactive and driven by a desire to operate with efficacy and accuracy. “My experience has enabled me to quickly identify potential issues in a preliminary report or title policy,” he explains. “Once I recognize something that may become a problem, I work closely with my clients to provide them with the information and resources they need to resolve it.” It is not uncommon for title issues to take days or weeks to reconcile, but for Gary, time is of the essence. “If we can settle a problem within a few hours, why not?” he offers. “I take ownership of a policy and work to ensure that transactions stay on track.” His motto: “Nobody wins if a transaction doesn’t close. I’ll get it done.”

Just as he is focused on meeting challenges head-on, Gary is also one who isn’t afraid to step out of his comfort zone. He has taken professional risks; some have paid off and some have resulted in personal setbacks. But the occasional impediment hasn’t stopped him from pursuing a career whose path is paved with excellence. The road may have its bumps, but that only makes the journey more interesting.

Gary’s entrepreneurial spirit has guided him throughout his career, and he has explored opportunities to acquire a more comprehensive knowledge of the title industry and how it relates directly to the needs of real estate agents and consumers. In addition to working in sales and as a title curator, he has also been in the field as a licensed sales associate. To best meet the needs of a shifting market, he has become well-versed in the intricacies of handling title for REO properties. “I’ve definitely gained a better perspective of the business as a whole,” he reveals. “Understanding what it takes to close title today under guidelines that continue to change has enabled me to offer my clients smoother transactions with fewer unexpected glitches.”

The delicate web of any real estate transaction is comprised of the threads of a number of specialists including agents, lenders and escrow personnel. Gary, a one-time JC baseball player with a solid management history, excels in maintaining continuity among the contributors to each home sale or purchase. His easy demeanor and forthright communication style allow him to connect with others and to effectively identify what is needed to ensure that a transaction doesn’t become mired by unnecessary conflicts. “I take responsibility throughout the transaction as a whole, working as a partner to agents to help them achieve their goals, which is to take care of their clients’ needs,” he explains. “I really enjoy the opportunity to help people build their businesses.”

As an industry veteran, Gary knows well the challenges facing today’s agents and consumers. He has transitioned his business to Ticor Title, a company that has established itself as one poised to remain on the cutting edge of technology. “Ticor Title continues to invest in technological tools and techniques designed to accomplish business in a market that continues to change,” Gary remarks. “Our leadership team is committed to providing exceptional service and support to its employees and to our clients.”

His diligence in the field is balanced by time spent with his family. Gary is a Southern California native who enjoys participating in sports including golf and softball, and taking time to enjoy the region’s amenities with his wife and children.

A member of the Fidelity National Financial family of companies, Ticor Title boasts over a century of success in the title business.

Gary NorthanTicor Title CompanyTelephone: [email protected]

Facing Challenges Head-On


E A


For nearly 50 years, the family of professionals at Conrad & Associates, Realtors® have offered their clients exceptional representation in a range of resi-

dential and commercial real estate transactions. The firm has become a staple within their community, respected for their market knowledge and appreciated for the out-standing level of service that they provide. Consistency has been a key to the company’s success; despite the cyclical nature of the real estate industry, Conrad & Associates are unwavering in their client-centric approach.

There’s no denying the increased level of consumer savvy brought on by the advent of technology in real estate. Despite this, notes Jeremy Conrad, buyers and sellers still require the expertise of licensed Realtors®. “People really need our help,” he observes. “While infor-

mation has become more readily available to consumers, the complexities associated with real estate and lending transactions have also increased. We are knowledgeable and experienced, acting as advocates and resources for our clientele.”

Their long-standing history is a testament to the quality of services and personable care that the agents at Conrad & Associates offer. Jeremy and his brothers Bill and Steve, along with their father Bob, uphold the philosophy of Bob’s father George Conrad, who founded the brokerage in 1963. “As an independent brokerage, we are focused on meeting the needs of our regional customers,” says Jeremy. “Our intimate knowledge of the local market and our boutique-style firm allow us to be responsive and in-tune with the communities we represent.”

EXECUTIVEAGENTTM

MAGAZINE

A History of Success By Lalaena Gonzalez-Figueroa


Jeremy ConradThey have achieved longevity through adaptation.

By successfully incorporating the technological tools and systems necessary to stay current on a changing market, the Conrads have ensured that they remain up-to-date on trends and developments within their industry. What hasn’t changed, though, are the long-term relationships they’ve cultivated with clients and colleagues. Online property information is only part of the bigger picture, notes Jeremy. “We are constantly studying the inventory within our marketplace, previewing properties and networking with agents to stay abreast of what’s available and up-and-coming for our clients.

Jeremy and Bill have expanded beyond their regional market, networking with outstanding agents nationwide thanks to their participation in the Mike Ferry Organization. Through real estate coaching, notes Jeremy, the team has gained a more comprehensive understanding of how to better meet the evolving needs of their clientele. “We are continuing to expand our industry knowledge, closely following trends in the areas that impact our customers,” he explains.

In order to best meet the needs of an incredibly diverse consumer base, Conrad & Associates has expanded their firm to include a full-service property management division. Headed by Steve Conrad, the business handles an array of arrangements from single-dwelling leases to large apartment buildings. Though the company has, throughout the course of its history, handled the occasional client’s property management needs, there came a point when the Conrads realized they had the experience, knowledge and manpower to create a stand-alone division within the firm. “Our clients needed a higher level of representation than they were receiving from other companies,” Jeremy notes. “In 2007 Steve took the reins and has been very successful in building our property management business.”

At Conrad & Associates, meeting the needs of clients has also meant working with REO and distressed properties. Their long-standing relationships with businesses and residents have enabled the Conrads to assist individuals in acquiring bank-owned properties and in negotiating successful short sales. “It’s not an easy time for many people, but we do what we can to alleviate their stress and anxiety,” Jeremy explains. He and his partners are highly adept at capitalizing

on opportunities for equity sellers and buyers as well, from first-time buyers to sellers of multi-million dollar properties. Based in San Clemente, the Conrads specialize in the South Orange County coastal region and surrounding communities. They have also found a niche market through an alliance with Sportstar Relocation, which works with professional athletes whose moves are prompted by team changes. Every client, notes Jeremy, benefits from the Conrad & Associates promise of exceptional and knowledgeable care.

Their family dynamic is one that cannot be replicated. The Conrads operate their business with the vision that has defined their brokerage from its inception. 2011 was a productive year for Jeremy, with a record 65 transactions closed. And Jeremy indicates that he is ready to repeat his performance. “We’re

staying positive and focused on business,” he remarks. “We look forward to continued success in the years to come.”

Jeremy ConradConrad & Associates, Realtors®

1000 South El Camino RealSan Clemente, CA 92672Telephone: 949.492.9400

[email protected]

E A


NEIL TORQUATOEXECUTIVEAGENTTM

MAGAZINE


F or over 100 years, Ticor Title has built a tradition of offering exceptional customer service backed by a solid financial foundation. As the needs of

today’s real estate clientele continue to develop and expand, Ticor will continue to amend its business model accordingly. When Ticor Title launched its Major Accounts Division, it began with a national platform offering clients a single point of contact for transactions throughout the United States. The National Operation is led by Vice President Neil Torquato; the division features an experienced and knowledgeable group of professionals who offer their clients the utmost in customer care.

Neil Torquato, a native of Southern California, taps into years of sports training in his leadership role within Ticor. “I have played on teams all my life,” reveals the USC graduate and lifetime member of the Trojan Football Alumni Association. “Whether you are coaching or taking directions, you must capitalize on the individual strengths of all of your players.” His own team of Ticor specialists, states Neil, is second-to-none in performance, knowledge and attitude. “We have worked together for nearly a decade,” reveals Neil. “Our aim is to find solutions to any challenges that may arise, and our customers shouldn’t have to worry about looking for answers; we work to achieve their trust in knowing that we will be there when they need us.”

It is this can-do attitude that earned Neil the opportunity to head the Major Accounts Division from its inception, and it is a responsibility he values and enjoys. “After over twenty two years in the industry, I appreciate the ability to offer this level of service to our clients, which service is backed by the resources and reputation that Ticor Title and Fidelity National Financial provide,” he states.

While exceptional customer service and Ticor Title’s cutting edge technology provide a strong foundation for the Major Accounts Division, the group has also expended considerable effort in amassing the information necessary to successfully facilitate closings across the country. It has been no easy feat; explains Neil, “Every county within the United States has a distinct mode of operation when it comes to the real estate and title processes. Over the years, my team has created a substantial reference guide detailing the unique needs of markets across the country.” The laborious effort, he adds, is an ongoing process. “As laws and regulations

change, we are constantly amending our literature to ensure that we are on top of the latest requirements in residential and commercial real estate transactions.” As real estate agents and their clients expand into markets outside of Southern California, says Neil, they can be assured that the Major Accounts Division will continue to offer the exceptional service and ongoing communication that have become synonymous with Ticor Title’s brand.

“The Major Accounts Division strives to be sought after and accountable resource for our diverse clientele, which include real estate professionals, REO agents and firms, national lenders and credit unions,” says Neil. “Our team is seasoned, with experience in the real estate market and our own industry. This allows us to better assist our clients as they navigate challenges, and to more effectively communicate on their terms.”

Ticor Title’s Major Accounts Division utilizes cutting edge technology and proprietary software to maintain ongoing communication with clients and points of contact throughout the nation. “Thanks to our advanced systems, we are able to confidently act as catalysts for important transactions around the country,” says Neil. “We make it as easy as possible for our clients to track business, regardless of where it is occurring. It is not easy to find a locally based title company that can offer the same assurance and security.”

Billing his division as a “one stop shop,” Neil notes that his Major Accounts Division features title and escrow professionals who share a common goal; which is to facilitate a successful experience for their customers. “We provide a friendly voice, a positive response, and title solutions,” he says. “We take pride in caring for our clients, and look forward to continuing to build our division as our customers expand their businesses.”

Neil Torquato, Vice PresidentTicor Title, Major Accounts Division


www.ticormajoraccounts.com


Tomas Duarte

EXECUTIVEAGENTTM

MAGAZINE

Felix Duarte


W hen Felix Duarte transitioned into a career as a title representative, he did so with the complete support and encouragement of his brothers, who

were already established within the industry. Older brother Joe, currently Vice President/Assistant County manager with Ticor Title, and Tomas had built a thriving business network within Orange County. A graduate of the University of Southern California with a Doctorate degree in Physical Therapy, Felix looked forward to the opportunity to explore new professional challenges and to help expand the family’s title business. As Team Duarte, Tomas and Felix now boast nearly 20 years’ combined title experience, offering service that is relationship-driven and highly individualized to meet the unique needs of every client with whom they work.

Team Duarte utilizes a well-balanced approach to business. With a background in sales and a personable nature, Tomas is known for his ability to build relationships among colleagues and clients alike. “He’s someone who brings people together,” remarks Felix. “Tomas is naturally outgoing and can relate to a range of personality types. He’s very dedicated to his work, and to helping to facilitate a successful transaction.” Detail-oriented and systematic, Felix keeps his team – and their clients – up to date on industry changes and issues. Together, notes Felix, the team is a cohesive group that remains focused on providing exceptional customer service to their large base of clients.

“As brothers and business partners, Tomas and I support each other in every way that we can, which results in a better experience for our clients,” states Felix. “Our business is shared, and we are in constant communication with each other to ensure that we are on top of every transaction in which we are involved.”

A proactive approach, says Tomas, is the key to success. “The title industry is interesting,” he reflects. “Relationships drive the business, but if a representative isn’t detail-oriented, client satisfaction can suffer. We follow every order, from opening to close of escrow, and provide our clients with ongoing feedback throughout the process.” The team’s vast experience and distinct backgrounds allows them to better handle unexpected challenges and issues. Says Felix, “While every transaction is different, we are very familiar with the types of situations that can occur throughout the course of the real estate process. We not only are prepared to address issues quickly and effectively, but we are also committed to maintaining direct, open communication with our clients. If a problem does arise, we want them to have the information necessary to act accordingly.”

They are proud to continue their careers with Ticor Title, and Tomas and Felix assert that the company allows them

to offer a level of service and a wealth of resources that is unmatched within the industry. “We expect our customers to have a top-notch experience every time they are in contact with our office,” says Felix. “From our customer service team to the title unit group, we want every client to feel like he or she received great service and was treated with respect and care.” Adding value to the efforts of Team Duarte are individuals like Cindy Fern, a title officer with over 25 years of industry experience. “She is one of the best within Orange County, well known and respected by her peers,” observes Felix. Customer service specialists Archie Johnson, Trinity Alexander and Wayne Shores act as auxiliary members of Team Duarte, developing their own relationships with customers to ensure that their wants and needs are consistently being met. “Our team as a whole prides itself on being reactive, friendly, courteous, attentive and expedient in providing the services and solutions our clients seek,” says Felix. “That has enabled us to continue to build a strong base of repeat and referral customers.”

Backed by Ticor Title’s reputation and resources, Team Duarte is able to provide their customers with highly reliable and effective services. A member of the Fidelity National Financial Inc. (NYSE:FNF) family of companies, Ticor Title boasts over a century of success in the title business. Recognized as an industry leader, the company maintains its competitive edge through advancements in automation software designed to streamline efficiency and efficacy of the title process. The development of proprietary software programs and a commitment to implementing ongoing technical tools enables Ticor Title and its agents to best meet the changing needs of real estate professionals and consumers.

Dedicated family men with two children each, Tomas and Felix enjoy the opportunity to successfully balance their professional and personal lives, while continuing to build their business throughout Orange County and Southern California. They handle a range of transactions including equity, foreclosure and commercial properties, and work with English- and Spanish-speaking customers. Active within the local community, Felix is on the Board of Directors with the Orange County chapter of the National Association of Hispanic Real Estate Professionals (NAHREP), a non-profit organization whose mission is to empower real estate professionals to increase sustainable home ownership opportunities in local communities.


A Professional Approach Backed by Family Values

TEAM DUARTEwww.teamduarte.net

Felix Duarte Tomas Duarte714-392-1400 714-272-9552

www.felixduarte.net - [email protected] - [email protected]

TEAM DUARTE

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