THE DIRECTORY

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.

With over 36 years of experience, Jasna Hoyt is a trusted real estate professional known for integrity, expertise, and a client-first approach. As Broker and Owner of Hoyt Real Estate, she leads with deep knowledge in residential sales, REO, new construction, and investor relations. Jasna expertly serves first-time buyers, seasoned investors, and institutional sellers, managing everything from traditional listings to complex REO portfolios for government and bank-owned assets. Her success is built on clear communication, strong negotiation skills, and a passion for helping clients achieve their goals. Jasna remains a proven advocate across all real estate sectors.

If you’re looking for a dedicated partner to navigate the complexities of selling or buying apartments, homes, or investment properties, Ryan Knab delivers the expertise you need. An NRBA member and certified REO agent, Ryan is affiliated with Taza, Equator, Pyramid, HomePath, RES.NET, and Coldwell Banker. He maintains a 90% cash-for-keys success rate, with his REO listings averaging just 55 days on market. Ryan provides full services on every assignment—from securing and preparing the property to comprehensive marketing across the MLS, 700+ real estate sites, and Coldwell Banker’s extensive network. His goal is simple: exceed expectations every time.

Joe Mendoza has over 28 years of real estate experience and is recognized as one of California’s top brokers. A former top 1% agent nationwide with Prudential California Realty and ranked #7 in San Diego County, he has closed hundreds of transactions, including REOs, short sales, and distressed assets. His expertise spans brokerage, investment, acquisitions, and asset management, allowing him to effectively evaluate and maximize returns on bank-owned properties. Featured by The Wall Street Journal and other major media, Joe is known for his efficiency and strong results, especially as market conditions shift.

Gennaro Pagano, a seasoned real estate professional with 20+ years of experience, leads Team Pagano at Keller Williams. Specializing in REO and distressed property sales across NJ and NY, he’s known for strategic marketing, strong negotiation, and delivering results for banks, investors, and homeowners alike.

Shawn Luong is a seasoned real estate broker with over 40 years of residential, commercial, and distressed-asset experience. Licensed since 1984 and a broker since 1986, he helped turn around more than $40 million in RTC assets and later ranked among the top agents at Mulhearn Realtors and Century 21 Masters, earning the Double Centurion Award and a top 1% national ranking. Certified in REO, short sale, and foreclosure protocols, he has represented clients including CitiMortgage, PennyMac, Zions Bank, and the San Bernardino County Public Guardian. A court-approved receiver and MICP designee, he serves LA, Orange, Riverside, and San Bernardino counties.

With over 20 years of experience in the real estate industry, Steven Zagaris is a dedicated and knowledgeable professional committed to delivering exceptional service and results. He specializes in short sales, real estate owned (REO) properties, new home sales, and property management. Steven’s hands-on approach, market expertise, and strong negotiation skills ensure his clients receive the highest level of support through every stage of the transaction. Driven by integrity and a passion for helping others achieve their real estate goals, he continues to build long-term relationships based on trust, performance, and proven success.

Mike Santangelo is a seasoned real estate professional with over 30 years of experience specializing in REO, short sales, and both residential and commercial properties. Throughout his career, Mike and his team have built lasting relationships with hedge funds, servicers, and institutional clients who rely on their expertise, consistency, and results. Known for comprehensive service from valuation to closing, Mike’s team manages every aspect of the REO process with precision and professionalism. Their long-standing reputation is built on trust, accountability, and delivering successful outcomes across all property types in today’s dynamic real estate market.

Anna Ramos delivers clear, reliable REO services backed by proven experience, deep market insight, and bilingual expertise. With a commitment to protecting property value, ensuring compliance, and streamlining every stage of the transaction, she provides asset managers and clients with efficient, results-driven service. Anna’s hands-on approach, strong communication skills, and dedication to excellence make her a trusted partner in every assignment—focused on maximizing returns while maintaining transparency and professionalism throughout the REO process.

Dorothy Macias is driven by a passion for serving her community and delivering exceptional customer care. With 30 years in the real estate industry—primarily on the escrow side—she has closed more than 1,200 REO transactions per month for HUD (Golden Feathers), the FDIC, major banks, and national outsourcing firms. Her extensive work educating consumers during multiple FDIC institutional failures inspired her transition into real estate sales and REO representation. Today, Dorothy is an experienced REO agent working with Dakota Asset Management, LRES Corp., AHP Servicing, USRES, and the FDIC, providing knowledgeable, reliable support through every stage of the process.

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.

Art Garrison is the CEO and qualifying broker for Advance Equity Group and qualifying broker for Association Management Group. Before starting his real estate career, Art was a sales and marketing manager in the packaging business. He earned his broker’s license in September 2006, following three years of HUD sales experience with Hearth & Home Realtors in Jasper, GA. He manages a team of 16 agents in metro Atlanta. They do residential real estate, REO servicing, and property management. Art is an REO agent for Wells Fargo, Chase, and DoHardMoney, and a corporate listing agent for American Destiny Real Estate.

Larry Pettus is the owner and principal broker of Accord Realty, bringing nearly 18 years of real estate experience serving Russellville and surrounding Arkansas communities. A certified REO professional and licensed REALTOR®, Larry specializes in foreclosures, acreage homes, investment properties, lakefront houses, and single-family residences. He represents both buyers and sellers, offering expert valuation, strong marketing, and skilled negotiation. Known for integrity, clear communication, and thorough asset management, Larry oversees preservation, repairs, and contractor coordination for bank-owned properties. With deep local knowledge and a commitment to client success, he provides reliable guidance and exceptional service throughout every real estate transaction.

Joe Doher, broker-owner of Berkshire Hathaway HomeServices Results Realty, is a second-generation REALTOR® with over 30 years of experience in the Greater Orlando market. Since 1993, he has helped more than 11,000 families and has been nationally recognized as a Top 100 REALTOR®. In 2009, he co-founded a 188-agent Prudential brokerage, and in 2024, he reacquired the Berkshire Hathaway HomeServices Results Realty franchise. With 25+ years of REO experience, Joe has closed more than 7,500 assets with a 97% cash-for-keys success rate. He specializes in residential, SFR disposition, REO, luxury, commercial, relocation, and short sales, holding CRB, GRI, CRS, and SRES designations.

Brandy White Elk is the Broker/Owner of Innovative Real Estate Strategies (IRES), a 100% woman-owned brokerage she founded in 2004. Since opening her first office in 2008, she has built IRES into a full-service firm with divisions in property management, short sales, bank-owned properties, auction acquisitions, commercial real estate, and luxury estates. A pioneer in the Las Vegas short sale market, she trained thousands of agents, consulted for banks, and developed systems that supported distressed homeowners and institutions. Brandy remains deeply engaged in market trends and legislation, ensuring IRES continues to lead with innovation and exceptional client results.