THE DIRECTORY

Stephen L. Hughes is the owner and principal broker of H Real Estate Inc., a brokerage specializing in senior transition housing, probate, trust, and conservator sales, both on and off the market. The firm also handles divorce real estate transactions, as well as commercial and land real estate, with a focus on complex or non-traditional deals. Because of the complexity of such transactions, general real estate is relatively straightforward for their team. Hughes' passion for managing complex transactions comes from personal experience—situations where specialized knowledge was essential and few qualified professionals existed in the Utah market. This motivated him to pursue advanced training, making him a leading expert in these fields. He is a Certified Senior Housing Transition Specialist and a Certified Probate Expert. He is also the REO agent for Vanderbilt Mortgage. Additionally, Hughes owns and operates the complementary businesses Ogden Layton Estate Sales and Utah Non-Legal Probate Services, expanding his ability to serve clients through every stage of transition.

As a seasoned real estate professional, I specialize in all facets of real estate from residential REO, Short Sales, to High Luxury properties. My team is committed to the highest level of service for REO properties. Our objective is to: Protect your REO asset, Attain the Highest selling value in the shortest amount of time, Keep our clients informed. My team understands that each company has its own procedures, forms, and communication style. We will accommodate the BPO in a timely manner before the property goes to foreclosure. We will work within your system to process and sell your REO properties quickly and efficiently.

Frank D’Anna, owner of Statewide Premier Properties, brings 27 years of real estate and property services experience with offices in East Hampton, CT, and Sarasota, FL. He specializes in REO property management, preservation, and disposition for financial institutions, asset managers, and investors. His team provides inspections, maintenance, repair coordination, occupancy verification, and marketing support, ensuring every asset is protected, compliant, and market-ready. With proven systems for efficiency and communication, Statewide Premier Properties delivers timely updates, reliable execution, and strong value recovery. Frank’s commitment to integrity, precision, and client satisfaction has made his firm a trusted partner in the REO sector.

Larry Muetz is a seasoned Real Estate Broker Associate with over 30 years of experience in team building, marketing, sales, REO, valuations, and investment analysis. Additionally, with 15 years as an Appraiser and 7 years as a Mortgage Loan Originator, the resources provided to his customers is unparalelled. A recipient of The RE/MAX Hall of Fame Award, many industry awards, Larry is recognized for expertise and commitment to professional excellence.

With more than 20 years of real estate experience, Tracey Shrouder brings unmatched knowledge and perspective to every transaction. As Broker in Charge of 360 Realty, a 100% woman-owned business based in the heart of North Carolina, she leads a dynamic team that services the entire region with offices in Greensboro, Winston-Salem, Durham, and Charlotte. A dedicated listing specialist, Tracey is an NRBA Member, C-REO certified, and serves as a foreclosure, HUD, and USDA listing agent. Under her leadership, the 360 Realty team sold more than 180 homes last year, closing over $49 million in sales. Their success is built on proven sales techniques, innovative marketing strategies, and aggressive advertising that ensure maximum visibility and top results. Known for her expertise, creativity, and ability to think outside the box, Tracey has the skills and the team to get homes sold quickly and for the highest possible value.

Nikki Crowder is the founder of Solutions First Realty, a certified Woman-Owned Business by the Women’s Business Enterprise National Council (WBENC). Nikki has been a full-time, accomplished REO Broker for the past 24 years in metro Atlanta. She has leveraged her 24 years of real estate experience by assembling a team of dynamic agents focused on REO sales and marketing. It is her team’s goal to utilize all available avenues to market their properties while maintaining one of the most respected firms in the industry. Solutions First Realty is a full-service provider covering more than 13 counties and 246 ZIP codes. Its experience in the Atlanta REO market has resulted in the sale of more than 15,000 properties across all price ranges and locations throughout North Georgia.

Jennifer Ruspini, owner and broker of Ruspini Realty, LLC, brings over 25 years of experience in Connecticut real estate and asset management. Specializing in REO since 2001, she has represented government agencies, hedge funds, and financial institutions in the valuation, management, and disposition of distressed assets. Jennifer is known for accurate pricing, detailed oversight, and efficient file-to-close execution. Her expertise also includes workforce housing, property preservation, and energy-efficient housing solutions. As an 8(a)-certified government contractor, she supports federal housing initiatives and community development. Jennifer is committed to professionalism, integrity, and mentoring new agents while advancing industry standards.

Highly dedicated and accomplished real estate broker based in Michigan. With a strong focus on simplifying the buying and selling process, Rrok Koleci aims to fulfill every client's needs and ensure their utmost satisfaction. Drawing upon extensive experience and a proven track record, Rrok leverages the latest technology to provide unparalleled service. One of Rrok's key strengths lies in understanding the current real estate market and forging essential connections for success. Through www.rkrealtymi.com, Rrok's website, you can explore a range of innovative tools and resources designed to assist clients in effectively marketing and selling their properties. Rrok constantly seeks out new strategies and methods to ensure that clients achieve optimal results and maximize their investments. Rrok Koleci holds a degree from the prestigious Michigan Institute of Real Estate, and possesses various certifications that further enhance their expertise. These include being a certified residential specialist, a certified buyer specialist, and a certified broker price opinion agent. RK team is actively involved in supporting several local charities, contributing to the community we serve.

Mike Potier has had a diverse and accomplished real estate career, beginning with selling raw land in the Antelope Valley from a high-rise office in Beverly Hills. He became a top producer in multiple offices and national franchises, co-owned and managed one of the largest brokerages in the area with over 300 agents, and also co-owned a development company. He is the co-founder of a national REO broker network and co-author of two REO software programs that helped him close over 300 properties in 1996. Mike has sold thousands of REO properties for dozens of institutions nationwide. A dedicated supporter of NADP (formerly REOMAC), he co-hosted the annual golf tournament from 1987 to 1999, served as Program Chairman from 1996 to 1997, and was nominated in 2001 for Outstanding Associate Member of the Year. He is an active member of the Pacific West Association of REALTORS, California Association of REALTORS (C.A.R.), National Association of REALTORS (N.A.R.), REOBroker.com, NRBA, and other REO networks, continuing to support the mission of the REO community with professionalism and experience.

Cindi Malone has been servicing REO properties since 2001. Repeating such companies as A-Team, Raine, Shellpoint, Faye, Old Republic, Olympus, PennyMac, ADR, to name a few. She has experience in CFKs, managing repairs, set outs, and property inspections with vendors who are efficient and work in a timely manner.

With nearly two decades of experience in the REO industry, William Ramos is fully capable of handling all of your REO needs. He has a dedicated and committed full-time REO team that includes a multilingual sales staff of buyer's agents and transaction coordinators, highly experienced in REO sales. Financially, his team can cover all costs necessary to rehab and maintain your assets. Associations: National REO Brokers Association (NRBA), US REO Partners (USREOP), National Association of Hispanic Real Estate Professionals (NAHREP), National Association of Realtors (NAR), Real Estate Owned Managers Association of California (REOMAC), National Association of BPO Professionals (NABPOP), and Default Industry Leaders (DIL).