As a dedicated real estate professional, my goals are simple; share my knowledge and experience with those who reach out to me for assistance. It would be my pleasure, and a privilege to work with you as my client.

My Experience…

My real estate career began in 1976 as an industry student interested in distressed property sales including; Foreclosures, Trustee Sale Auctions, Property Tax Default Auctions and Real Estate Owned properties (REO). Because financing plays such an important role in real estate, in 1989 I began working in the mortgage industry. During this time I spent six years as the General Manager for TMG Financial Services, Inc., and the rest originating hundreds of residential loans as a Sr. Mortgage Advisor. This opportunity allowed me to work closely with Wholesale Lenders, Bankers, Underwriters, Closers, Escrows, Title companies, many Realtors, and not to mention several home builders/developers and their sales staff. The experience I gained during this time was pivotal in my real estate career.

Additionally, and because I felt continuing education and training was so vital to the service I provided my clients, in 2005 I also decided to study and trained becoming a licensed real estate appraiser. My training was completed and continues to this day under the guidance of a Certified General. Real Estate today is more challenging than ever before, one that requires the real estate professional to stay informed, up-to-date and educated in order to stay competitive, in compliance with constant guidelines and law changes, new rules and regulations. This is all the more important and the reason why I feel uniquely qualified to better serve my clients. You can learn more about my education, training, work experience, qualifications and state certifications by reading below.

LICENSES

• California Real Estate Broker – License 01105386
• California Real Estate Appraiser – License AT043522
• California Real Estate Mortgage Broker/NMLS – License 246954

PROFESSIONAL ASSOCIATIONS & MEMBERSHIPS

• NAR National Association of Realtors – www.nar.org
• CAR California Association of Realtors – www.car.org
• REALTORS® Commercial Alliance of Orange County – www.rcaoc.org
• PWAOR Pacific West Association of Realtors (MLS Board) – www.pwaor.com
• Inland Valleys Association of Realtors, Inc. – www.ivaor.com
• Appraisal Institute – http://appraisalinstitute.org

EMPLOYMENT HISTORY

• Primacy Estates, dba Primacy Real Estate, Broker/Owner – 2005 to Present
• Pacific Capital Mortgage Corporation, Vice President, Broker of Record – 2012 to Present
• The Mortgage Guild, Inc. – Vice President, Broker of Record – 2011 to 2012
• TMG Financial Services, Inc. dba The Mortgage Guild – Sr. Loan Officer – 2009 to 2011
• RJV Funding, Inc. – Sr. Loan Officer – 2005 to 2009
• TMG Financial Services, Inc. dba The Mortgage Guild – Sr. Loan Officer – 1993 to 2005
• TMG Financial Services, Inc. dba The Mortgage Guild – General Office Manager – 1993 to 2000
• Mores Appraisal Group – Real Estate Appraiser – 2005 to Present
• West American Financial Group – Loan Officer – 1989 to 2003
• The SAGA Investment Group – President, General Partner – 1985 to 1990

EXPERIENCE

• Broker – Realtor® – GRI – e-Pro
• California Licensed Real Estate Agent since 1989
• California Licensed Real Estate Appraiser (Associate MAI Trainee)
• Financing; more than 23 years of residential and commercial real estate lending
• Loan Processing, Certified VA Loan Processor (MountainWest Financial)
• Credit Profile Analysis
• Technology and Internet Marketing
• Trustee-sale Investment Specialist
• Investing in real estate since 1976
• Many years providing outstanding service to all my clients

REAL ESTATE EDUCATION – TRAINING – SEMINARS

• BREA State Appraisal License Upgrade (12/2014)
• BRE Real Estate Broker License Endorsement Renewal Request Approved (12/2014)
• NMLS Annual CE Class 8 Hrs. (12/2014)
• BREA State Appraisal Exam, Passed – 6 Hrs. Certification in the State of CA (12/2014)
• McKissock Schools / Residential Market Analysis & Highest and Best Use, 15 Hrs. State of CA Certification (10/2014)
• Allied Schools / Residential Appraiser Site Valuation and Cost Approach, 15 Hrs. State of CA Certification (10/2014)
• Allied Schools / Residential Sales Comparison and Income Approaches, 30 Hrs. State of CA Certification (10/2014)
• Allied Schools / Real Estate Appraisal Report Writing, 15 Hrs. State of CA Certification (10/2014)
• NMLS / SAFE Continuing Education Requirements met (12/2013)
• NMLS / SAFE Continuing Education Requirements met (12/2012)
• Bank of America / Short-Sale Training, 4 Hrs. (03/2012)
• NMLS / SAFE Continuing Education Requirements met (12/2011)
• RCAOC, CIEA Comm. Success Series, Class 103 – Techniques for Analyzing Investment Real Estate (06/2011)
• RCAOC, CIEA Comm. Success Series, Class 102 – The Mechanics of Valuing Commercial Real Estate (05/2011)
• RCAOC, CIEA Comm. Success Series, Class 101 – CB Overview of Commercial Master, Version 1 (05/2011)
• Cleo Katz Foreclosure Seminar (11/2010)
• NMLS / National Exam Component, Passed (11/2010)
• NMLS / State Exam Component, Passed (08/2010)
• CAR / Your Guide to the Residential Purchase Agreement – Completion Certificate #000-1 1430 (04/2010)
• CE / USPAP 7-Hour (01/2010)
• Broker License Exam, Passed (2009)
• Appraisal Trainee Exam, Passed – 4 Hours, 110 Questions (12/2007)
• Received GRI Certification, Approved for DRE 45-Hour Continuing Education (11/2007)
• GRI Certification / Risk Management #108 – (11/2008)
• Broker Preparation Course – 2 Days (07/16-17/2007)
• GRI Certification / Agency Relationships, Duties and Disclosures – #100 (06/2007)
• GRI Certification / Strategies for Success – #106 (06/12/2007)
• GRI Certification / Real Property Tax and Exchanging – #113 (05/2007)
• GRI Certification / Legal Issues, Disclosures and More! – #105 (05/2007)
• GRI Certification / Environmental Concerns, Construction Overview and Land Use – #112 (04/2007)
• GRI Certification / Trust Fund Management – #102 (04/2007)
• GRI Certification / Fair Housing – #104 (04/2007)
• GRI Certification / Investment Property Analysis – #111 (03/2007)
• GRI Certification / Ethics, Professional Conduct and Legal Aspects – #101 (03/2007)
• GRI Certification / Residential Real Estate Financing – #109 (03/2007)
• GRI Certification / Marketing, Financing and Managing Investment Properties – #110 (02/2007)
• GRI Certification / Essential Concepts of the C.A.R. Residential Purchase Agreement – #114 (02/2007)
• GRI Certification / Listing, Pricing and Marketing Properties – #108 (02/2007)
• GRI Certification / Technology Applications for Real Estate – #108 (01/2007)
• e-Pro Designation, Course Completion (11/26-17/2006)
• Broker Preparation Course – 2 Days (06/16-17/2006)
• National USPAP – 15 Hours (08/2005)
• Appraisal Fundamentals – 30 Hours (08/2005)
• Appraisal Mathematics -15 Hours) (07/2005
• Appraisals Principles & Techniques – 30 Hours (01/2005)
• Completed all required CE 45-Hours to renew CA Real Estate License (12/2004)
• CE / Fair Housing #02171036 3-Hours (12/2004)
• CE / Trust Funds #02171037 3-Hours (12/2004)
• CE / Ethics #02171031, 3-Hours (12/2004)
• CE/ Modern Finance #02171034, 18-Hours (12/2004)
• CE / Agency #02171032, 3-Hours (12/2004)
• CE / Back to Basics #02171035, 15-Hours (12/2004)
• Real Estate Salesperson Licensed (1989)
• C21 Real Estate School / RE Agent Training (1985)