REAL ESTATE EXPERIENCE

Owner/Broker FUTURES MORTGAGE/VINTAGE PROPERTIES since 1994 California Licensed Real Estate Broker since 1992 Associate Broker in L.A./Ventura Counties since 1974

Expertise Includes:

. All areas of Real Estate Financing
. Single and Multi-Family/Condominiums Sales
. Title Insurance and Escrow
. Real Estate Appraisal Review
. Home Inspections
. 1031 Real Estate Tax Exchanges
. Hands on FNMA loan underwriting experience
. Ex Vice-President of Local S & L in charge of Retail R.E. Loan Production ('83-'89)
. Member of Multi-Million Dollar Club w/C/21 Franchise in 1990.

It is our belief that Loan Agents andReal Estate Agents are not salesmen but are"Service Providers". If a qualified Home Buyer or Seller has been given the most accurate and complete account of all the pertinent information they need, they can themselves make the most logical and informed decision that can be made.

The most gratifying results a Lender or Realtor can receive is that that comes when a satisfied Borrower, Buyer, or Seller has a smile on their face when they are handed their escrow closing check at the end.