THE DIRECTORY

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.

Pat Slack offers 48 years of real estate expertise and decades of REO experience as a broker/owner in Oklahoma. A licensed REALTOR® since 1977, she has worked in REO since 1991 and short sales since 1985, marketing and closing thousands of properties. Pat provides BPOs, property condition reports, and 24–48 hour occupancy checks, along with repair estimates, contractor oversight with photos, status reports, trash-outs, rekeys, and eviction coordination. Supported by a full-service team, she manages assets efficiently for both small and large clients. With lifelong knowledge of Oklahoma markets, Pat consistently delivers results that protect investments and maximize recovery.

Samer Makhlouf is a seasoned real estate broker with nearly two decades of experience serving Virginia, Maryland, and Washington, DC. Since 2006, he has built a strong reputation for delivering reliable, results-driven service across traditional and REO markets. Known for his market knowledge, negotiation skills, and dedication to his clients, Samer has successfully managed and sold thousands of properties throughout the region. His commitment to professionalism, integrity, and efficient communication has made him a trusted resource for asset managers, lenders, and homeowners. Samer continues to provide exceptional service with a focus on accuracy, timeliness, and accountability.

Austin Hellickson leads a top-performing real estate team that has successfully closed over 150 homes in the past 24 months. With a proven track record of helping sellers achieve top dollar for their properties and more than 250 five-star reviews on Google, Austin has earned a reputation for excellence, trust, and results. Dedicated to providing exceptional service, he looks forward to assisting clients with all their real estate needs.

Deborah Jacobs has been working with REOs since 2008. She has worked with Fannie Mae and Freddie Mac through her first broker. She was a HUD listing agent for eight years but left the brokerage to team up with eXp agents who also specialize in REOs. Deborah currently lists for Pemco, Shellpoint, Selene Finance, AIMP Mortgage, and various other companies.

Yvonne Biederman is a seasoned real estate broker with over 40 years of experience across Texas, Maryland, Florida, and Oklahoma. Licensed since 1980 and a broker since 1984, she has owned multiple brokerages and worked with leading firms including Century 21, RE/MAX, Prudential, and eXp Realty. Yvonne is a longtime foreclosure listing agent for Shellpoint, Fay, Computershare, Xome, Altisource, Goodman Dean, USRES, Selene, and others, with more than 1,500 properties sold—most under contract within 30 days. She has completed over 3,000 BPOs for major valuation companies and maintains robust investor and buyer databases across multiple states.

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.

Jennifer Blake is a seasoned REO specialist with over 30 years of experience listing and selling bank-owned and short-sale properties. Known for her meticulous attention to detail, strong communication, and exceptional client service, she maintains long-standing relationships with asset managers and consistently earns top scorecard ratings. Jennifer goes above and beyond on every assignment, providing strategic marketing and hands-on oversight to secure the highest possible price for her clients. She services three major Southern California markets—Orange County, the Desert Communities of Riverside County, and North County San Diego—delivering reliable, results-driven performance across all territories.

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.

Monica Vaca is a seasoned real estate professional with 38 years of industry experience. As the leader of a team of skilled and dedicated professionals, she emphasizes accountability, reliability, and client-first service in every transaction. Recognized as a “Giant in REO” by HousingWire, Monica has also been ranked the #2 Latino real estate agent in Houston and #34 in the U.S. by NAHREP. She has been named among the Top 150 Real Estate Professionals nationwide by The Wall Street Journal and Real Trends and is a three-time Top Producer at PRG. Monica’s success reflects her unwavering commitment to excellence, leadership, and exceptional client results.

Sharon Bartlett brings 40 years of real estate and mortgage experience, including 13 years in REO operations and vendor management at Freddie Mac. Her deep REO knowledge, strong communication skills, and attention to detail make her a trusted partner for clients. Having worked on the corporate seller side, she understands what it takes to manage, market, and close an REO asset. Supported by a full team, Sharon delivers efficient, end-to-end service. She volunteers with Rebuilding Together and Habitat for Humanity and serves as Executive Director of Operations for US REO Partners and 2025 Chair of MetroTex Professional Development.

The Cummings Company is a full-service real estate brokerage committed to helping clients find the right property at the best price. Led by Kelly Cummings, the firm provides expert guidance through every step of the process—search, negotiation, financing, inspection, appraisal, and closing. Their team is dedicated to professionalism, client satisfaction, and seamless transactions. With strong relationships among local builders, they also assist buyers in securing the ideal homesite and partnering with the right builder. Whether purchasing a first home, upsizing, downsizing, or investing, The Cummings Company delivers trusted, personalized service for every client.

Owner, Texas REO – Established in 1988, Steven Simmons’ firm has specialized in lender loss-mitigation services and cradle-to-grave asset solutions. With more than 2,200 properties sold, he brings extensive experience as both a licensed real estate professional and a former Trustee who conducted foreclosure sales on the courthouse steps in Travis and Williamson Counties. Steven’s deep knowledge of the probate process further strengthens his ability to manage complex transactions. Whether handling distressed assets, probate sales, or traditional listings, his team provides expert valuation, management, and disposition services designed to maximize recovery and deliver precise, professional results.