THE DIRECTORY

David Siwy is an Associate Broker with Realty Mark Associates, licensed in Pennsylvania, New Jersey, Maryland, and Delaware. In real estate since 2007, he began as a loan officer before moving into residential sales, investments, and REO/foreclosure management. David provides asset managers and clients with strong negotiation skills, clear communication, and informed market insight. He holds an MBA from Temple University and a Business degree from Penn State, where he also taught negotiation courses. His advanced designations include ABR®, SRES®, MRP®, GREEN, e-PRO®, SFR®, AHWD®, BPOR®, CREPS, and RENE. He believes real estate is the best investment.

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.

Elaine Johnson and her team have a wealth of experience in the real estate sector, encompassing expertise in managing REO properties, reverse mortgage defaults, short sales, and conventional properties. Their expertise spans three decades. She is experienced in all phases of tasking, from initial occupancy through eviction, to rehabbing, and all the way through contract to closing. All communications are professional and comprehensive, providing their asset managers with an excellent understanding of each property. Timely responses to asset managers and updated reports are routine. Their focus is on delivering exceptional service and responsiveness to all parties associated with each assignment.

Kipp Butler is the Designated Broker and owner of Butler Realty Partners, LLC, a full service real estate brokerage based in Whitesboro, Texas, covering nearly 30 counties across North Texas with plans to expand into Houston, Austin, San Antonio, El Paso, and Amarillo. Kipp brings over 16 years of institutional REO and default servicing experience to the brokerage, most of it spent at VRM Mortgage Services, where he managed REO assets for Freddie Mac, USDA, and VA. He later moved into business development at RES.NET, working across REO, valuation, and default servicing for institutional clients. He built BRP to bring that same institutional grade expertise to the local market, backed by a team that understands how servicers and asset managers actually operate. Beyond REO and institutional work, BRP also handles residential and commercial transactions. Kipp was a member of NADP, the National Association of Default Professionals, during his time at RES.NET. Butler Realty Partners is based in the Dallas-Fort Worth area and focused on building a brokerage that can move fast for servicers, asset managers, and investors.

Through my career, I consistently managed an average of 13 REO properties at any given time, demonstrating my ability to oversee multiple transactions efficiently and effectively. Responsibilities included conducting thorough property inspections, BPO, repairs occupancy checks, re-keying, and performing county lien searches. I prided myself on completing these tasks within 24-48 hour turnaround, ensuring that all required documentation and inspections were finalized well ahead of closing deadlines. I leverage variety of marketing strategies to promote properties, including targeted social media campaigns, neighborhood outreach through door knocking, and hosting open houses to reach prospective buyers. Through these efforts, I achieved an average sale timelines of 60 days from listing to closing, consistently delivering results for clients. Over the last four years, I took a hiatus from the traditional real estate market to concentrate on conducting real estate closings as an independent Loan Signing Agent. This experience enhanced my understanding of the closing process and further strengthened my expertise. Now, I am prepared to return REO business, bringing both my previous experiences and deeper knowledge of real estate closings, along with valuable industry contacts.

Robert Gonzalez has been in real estate for 34 years, with the last 17 years focused on REO properties. He leads a team with expertise in escrow and title, property development and management, and includes a licensed assistant.

Pam Stevens | Senior REO Broker & Asset Specialist Adam Merrick Real Estate – Central Illinois REO DivisionExperience the Power of 20+ Years of REO Expertise Backed by the Region’s #1 Team.Pam is a high-level REO specialist and licensed Illinois Real Estate Broker with over two decades of experience navigating the complexities of distressed assets. As veteran agents in the Tri-County area begin to retire, Pam has strategically aligned her 20+ years of specialized knowledge with Adam Merrick Real Estate (AMRE)—the region’s most influential brokerage—to provide institutional clients with an elite, full-scale service provider that is built for the future of REO.A Legacy of Trust with National InstitutionsPam has a proven track record of managing and liquidating assets for the nation’s largest entities, including VA, USRES, LandAmerica, SourceOne, Bank of America, CitiFinancial, REO World, iServe Real Estate Solutions, Green River Capital, and IndyMac. She holds critical industry designations that ensure every asset remains in peak regulatory standing:Occupancy Specialist CertifiedFair Housing CertifiedLIHTC Compliance Certified (NPCC)Member: PAAR, Illinois REALTORS®, and NAR

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.

Joseph Guerrero is a DFW real estate broker with 24+ years of experience specializing in listings, REO, divorce, probate, luxury real estate, and distressed property sales. As the Broker/Owner of Real Estate Diplomats, he leads a high performance team focused on transparency, trust, and data driven strategy. A former asset manager, Joseph leverages institutional expertise to deliver stronger valuations, smarter negotiations, and faster results. He provides full service support including cash offer solutions, new construction oversight, and pre sale renovation management serving sellers, buyers, and investors across The Colony, Frisco, and North Dallas.

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.

Tracy Paulsen is a proven REO specialist with more than $22 million in asset recovery across 127 units. With 20+ years of real estate experience, she delivers consistent results, including a 100% Cash-for-Keys success rate, a 98% Sale-to-BPO ratio, average market times under 60 days, and a 96% BPO-to-sales price average. Since 2014, she has managed REO and short-sale assets for multiple GFS and asset management groups across Duval and St. Johns Counties. Formerly Broker/Owner of Terry McCue Real Estate, she now partners with Berkshire Hathaway HomeServices Florida Network Realty. Tracy holds CDPE, CRS, SFR, and Force Master certifications.

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.

Antwaniquie Willis Real Estate is a trusted, full-service firm serving the Dallas-Fort Worth Metroplex. Led by licensed Realtor® and investor Antwaniquie Willis, we specialize in residential buying, selling, renting, relocation, and investment services. With 20+ years of experience, we help clients navigate foreclosures, probate, REO, short sales, apartment locating, and new home construction. Whether you're a first-time buyer or seasoned investor, we offer expert guidance and personalized support. Our mission is to help you achieve your real estate goals with confidence, clarity, and results.

Kevin Hill is a licensed real estate agent and property professional with over 20 years of experience specializing in REO and distressed assets across northern New Jersey. With a background in sales, valuation, investor transactions, and seven years as a licensed appraiser, he offers exceptional accuracy in pricing, compliance, and disposition. Kevin provides BPOs, property condition reports, occupancy checks, cash-for-keys, eviction coordination, and contractor oversight, ensuring assets remain secure and market-ready. He has completed hundreds of assignments for national clients and covers Bergen, Essex, Passaic, and Sussex counties as a reliable, results-driven REO partner.

With 17+ years in the San Antonio real estate market, Cesar Amezcua has built his career on exceptional service and results. Consistently ranked among the Top 50 Residential Agents by the San Antonio Business Journal and Texas Monthly since 2015, and in the Top 10 for both the Journal and NAHREP for the past seven years, he brings proven expertise to every assignment. As the Broker and Founder of CA & Company, REALTORS®, Cesar specializes in assisting sellers and out-of-area owners with full property preparation, management, and sale. His ability to coordinate vendors, oversee repairs and improvements, and maintain properties throughout the time they are on the market ensures every listing is presented at its absolute best. Cesar is also known for his exceptional communication skills and his natural ability to build strong, trusting relationships with homeowners, agents, vendors, and everyone involved in the transaction. Backed by 200+ five-star Google reviews and 480+ five-star reviews on Zillow, he has earned a reputation for professionalism, transparency, and a proactive approach that keeps clients informed and confident every step of the way.

Maria Navarro began her real estate career in 2003, specializing in VA foreclosures and HUD homes. Based in San Antonio, she has spent more than two decades in the default industry across South Texas. In 2020, she founded her own brokerage, where she continues to excel in REO management and disposition. With over 1,500 homes sold, Maria is a preferred broker for multiple AMCs, hedge funds, hard money lenders, and banks, holding exclusive portfolio agreements. She maintains strong partnerships with attorneys, city officials, contractors, HOAs, and property managers. Her marketing includes virtual tours, video walkthroughs, and aerial photography, ensuring smooth, compliant, high-value transactions.

With 22 years of REO experience and Residential Real Estate, specializes in listing and selling homes, foreclosures, short sales, 1031 exchanges, and multifamily properties. A skilled negotiator and valuation expert, Delivering maximum value with efficiency and precision. Zac’s client-first approach ensures every buyer, seller, and investor receives personalized guidance tailored to their goals—whether purchasing a first home, securing an investment, or planning for retirement. Known for his professionalism, market insight, and commitment to results, Zac’s mission is to make each transaction smooth, successful, and rewarding, helping clients confidently navigate one of life’s most important financial decisions.

Anh Pham is a seasoned real estate professional specializing in residential REO, short sales, and high-end luxury properties. She leads a dedicated team committed to protecting assets, maximizing value, and delivering timely, consistent communication. Known for adapting seamlessly to each client’s processes, systems, and reporting requirements, Anh ensures BPOs are completed promptly while managing every stage of the REO cycle with efficiency and precision. Her team prioritizes accurate valuations, strategic marketing, and smooth transaction management to achieve strong returns in the shortest time possible. Anh’s hands-on approach and industry knowledge make her a trusted partner for asset managers and financial institutions.

Najah Fawaz brings over 30 years of real estate experience and 17+ years specializing in REO disposition across Oakland, Macomb, and parts of Wayne County. As the broker/owner of Platinum Realty since 2003, her background spans sales, property management, investment, and organizational leadership. She has worked extensively with national asset management companies and is known for high-performance results and deep community ties. Najah looks forward to contributing innovative ideas and collaborative solutions as part of your growing company and would be honored to represent your organization in shaping the future of the industry.