THE DIRECTORY

Deb Dawson brings over 35 years of distressed-market expertise and holds a Bachelor’s degree in Business. A Lifetime Member of the Greater Nashville Million Dollar Club, she has built her career in REO, with periods where more than 90% of her business centered on asset management—including cash-for-keys, evictions, property preservation, and security checks. Deb also has 15+ years of short-sale experience, offering unmatched versatility across default services. Her client list includes Bank of America, Carrington, Citigroup, DispoSolutions/SPS, Estreet/AMC, First American, Freddie Mac/HomeSteps, Green River, Keystone, VRM, Wells Fargo, USRES, and Xome.

Gigi Dales holds a broker license and has been licensed for 33 years, with 22 years of experience as a broker in Ohio and Kentucky. She has been working in REO for 25 years and has worked for many different companies. Gigi also has a team that helps with lawn care, trash out and rekeys, and set outs. Her team helps with the payment of utilities and whatever else is needed.

Philip Sparks is an REO and Creative Finance Specialist with over 35 years of real estate experience, known for delivering fast listings, smooth closings, and strong portfolio performance. A HUD-trained, results-driven professional, he combines REO expertise with a deep background in creative finance, distressed-asset disposition, and nonprofit partnerships. Philip has represented Clear Capital, Altisource, LRES, Clarocity, and A-Team Realty, handling valuations, BPOs, preservation coordination, and full-cycle REO marketing with precision. His ability to craft strategic exit solutions—including investor acquisitions and community-development collaborations—makes him a trusted partner for asset managers seeking efficiency, accuracy, and mission-aligned results.

Elizabeth Muniz has been a licensed Realtor since 2015 and began her REO career in 2017, working with clients including Fannie Mae, NRT REO Experts, FAS, Single Source, and American Destiny Real Estate. She has managed hundreds of REO assets across the Hudson Valley, earning a reputation as one of the region’s top REO agents. Elizabeth brings strong expertise in preservation, valuation, marketing, and closing, delivering efficient, integrity-driven results for asset managers. She is committed to staying current on best practices, growing, collaborating, and contributing to excellence in the REO industry.

Angela Filkins is a seasoned REO Broker with over 21 years of real estate experience, including extensive work with HUD. A Woman-Owned Small Business Certified professional, she has 13 years as an REO listing broker, 15 years on the buyer side, and 16 years in property management. Licensed in Washington and Florida, Angela leads dedicated regional teams to deliver seamless service. Her listings receive broad exposure on 55+ websites, including Zillow, Redfin, and Homes.com. To maximize marketability, she provides professional and drone photography, video walkthroughs, and optional Matterport or video tours—ensuring every asset is showcased at its best.

Dorman Nelson is a results-driven real estate professional with a career dating back to 1997. His extensive experience includes mortgage servicing of REO (bank-owned) properties and short sale liquidation, alongside traditional sales and property management. Whether you're selling a conventional property, navigating a short sale, or facing foreclosure, he can guide you through the latest solutions and government programs available today. Throughout his career, Dorman has learned that exceptional service starts with putting clients first, staying accessible, listening attentively, communicating clearly, and responding quickly to their needs. He is dedicated to making your real estate journey as smooth and successful as possible.

As a full-time REO agent, Helene Zrihen is dedicated to providing fast, accurate, and reliable service supported by the latest technology and consistent communication. With a proven ability to manage every aspect of REO property listings efficiently, she meets deadlines with precision and ensures a smooth, results-driven process from assignment to closing. Known for her responsiveness and follow-through, Helene takes pride in delivering dependable, high-quality work that earns trust and produces timely sales. If you’re seeking an experienced professional who gets the job done right, Helene is ready to help you manage and sell your properties with confidence.

Deborah Blue brings more than 20 years of real estate expertise as the founder of BluRobin Global Realty Group, affiliated with Keller Williams Realty Atlanta Midtown. She and her team specialize in connecting clients with unique properties across Atlanta and beyond, leveraging advanced marketing strategies to attract both local and international buyers and investors. Known for building lasting relationships based on trust, honesty, and integrity, Deborah is dedicated to guiding clients through buying, selling, or investing with professionalism and care.

Ray King Jr. is an experienced REO broker with two decades of expertise in default and asset-management services. Since 2004, he has served as a trusted listing broker for VRM, Wells Fargo, Ocwen, 24Asset, FAS, and other major institutions. Known for his reliability, accuracy, and strong communication, Ray delivers timely valuations, streamlined property preparation, and efficient contract-to-close management. He holds BPO Certification and was recognized as a Top 5% Performing REO Broker in the VRM Broker Network in 2014. Ray continues to provide professional, results-driven REO services with a focus on speed, compliance, and client satisfaction.

Gina Steger is the Owner and Broker Associate of EXIT Real Estate Property Solutions, bringing over 19 years of real estate experience and 11 years specializing in REO. Known for her professionalism, dedication, and client-first approach, Gina is committed to ensuring every transaction is handled with care and precision. She leads an exceptional, results-driven team recognized for delivering high-quality service and consistent results. Whether working with traditional buyers and sellers or managing complex REO assignments, Gina provides the dependable expertise, responsiveness, and personal commitment clients expect from a trusted real estate professional.

With over 30 years of experience, Lee Raphael is a trusted specialist in the marketing and sale of at-risk, distressed, and REO assets throughout New York’s Hudson Valley, the Catskill Region, and surrounding states. His team manages single assets to full NPL portfolios, providing fast, compliant, market-aligned solutions. Licensed in NY, NJ, PA, MA, and CT, his brokerage includes 55+ agents across three regional offices. Lee is an approved broker for Fannie Mae, Freddie Mac, VA, and HUD, and an active member of multiple industry organizations. His services include occupancy checks, property assessments, securing, CFK, and routine inspections.

Barbara Ungerman brings 38 years of real estate experience, including more than 16 years in the default sector. With a background as both a real estate agent and a title/closing agent, she uses her title expertise to resolve the complex challenges often found in REO transactions. As an agent with Elite Housing Advisors, she manages REO and short sale listings across Flagler, St. Johns, and Northern Volusia counties while guiding buyers with confidence and care. Known for her thoroughness, integrity, and results-driven approach, Barbara consistently exceeds expectations and remains a trusted resource for asset managers and homebuyers alike.

Sheila Siegel is the Broker/President of California Property Group in Santa Barbara, a woman-owned brokerage where she serves as the direct point of contact for every client. A strong negotiator and former radio executive, she brings creative, high-impact marketing strategies to REO, delivering low DOM, excellent cash-for-keys success, and more than 4,000 completed BPOs. As the only woman in the Santa Barbara MLS who lists REO, Sheila is known for innovative problem-solving and often receives reassigned assets from managers seeking better performance. Her expertise includes REO, short sales, probate, bankruptcy, and court referee sales throughout Santa Barbara and Ventura counties.

Gary Altizer has been a licensed Florida Real Estate Broker since 2001 and also holds a Florida Real Estate Instructor’s License, reflecting his commitment to advanced industry knowledge and professional development. His instructor-level training keeps him current on real estate law, licensing regulations, and the evolving policies that shape lending and appraisal practices. This expanded expertise enables Gary to guide clients with accuracy, compliance, and informed insight across every stage of a transaction. Known for his professionalism and depth of understanding, he brings a balanced perspective that supports buyers, sellers, and industry partners with clarity and confidence.

Francesca Levy is an experienced REO listing broker serving Southern California since 2008. She has managed assets for major institutions including Bank of America, Citibank, Fannie Mae, Caliber Home Loans, Hudson Homes LLC, and Keylink. Francesca oversees all aspects of REO management—BPOs, cash-for-keys, evictions, repair bids, rekeys, and property preservation. She has also trained and managed a 150-agent office specializing in short sale production and negotiations. With extensive knowledge of lending guidelines and experience hosting first-time homebuyer seminars, Francesca combines industry expertise with a hands-on, results-driven approach that ensures efficient, successful transactions.