THE DIRECTORY

Melanie Gamble is an author, speaker, and industry advocate with over 24 years of experience helping financially-stressed homeowners navigate short sales and foreclosures. In 2023, she was appointed by the Governor to the State Commission of Real Estate Appraisers and the Task Force on Property Appraisal and Valuation Equity. A graduate of both the NAR and Maryland REALTORS® Leadership Academies, she served as 2022 President of the Prince George’s County Association of REALTORS® and now serves as Secretary for Maryland REALTORS®, President of the Prince George’s County Realtist, and RPAC Trustee.

REO Broker | Maricopa & Pinal County Arizona with over 22 years of experience in REO Sales & Management. I list, sell & manage REO Properties and am certified in REO and Women Owned, Small Business. My goal is to EXCEED your expectations! We have a contractor's and property preservation team who can get us quick bids and complete work in a timely fashion. I give each asset a PERSONAL TOUCH & CARE. I use the LATEST SYSTEMS to get the job done as efficiently possible. I provide all REO Services including but not limited to: List, Market & Sale REO Assets with fast turnaround times , BPO's Completed within 24-48 hrs, Interior & Exterior BPO's , Digital Photos, Winterizing Services , Weekly Inspections, Supervision of Ordered Repairs , Supervision of Clean Outs , Re-Keys , 24 HR Occupancy Checks , CFK's , Discounted Contractor Bids , Coordination of Evictions. I am also certified and experienced in online marketing expert certified in SEO, PPC, and Social Media advertising. You can rest assure that your listings will be marketed with an expert that knows how to get the most amount of exposure to your listing, therefore bringing you top dollar possible and limited market time!

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.

18 Years of REO experience, I act, and react that's my job and that's why my AM's love me. I do everything in my power to work the best at my craft and will give you positive results. Trust in Otis and I will make your bonuses soar!! Time is all we have and I make the most of my time. Look forward to working with you in the future and I'm on many platforms.

After relocating to Bakersfield in 2004, Shawna transitioned into residential real estate sales and has since built a successful career as a Realtor® in Kern County. She remains actively involved in the REO sector, continuing to market and manage REO properties while also providing Broker Price Opinions for lenders and asset management companies.

Ramiro O Gonzalez with Prestige Realty specializes in selling REO properties in Maricopa County, Arizona. Our full-service REO team has extensive experience with BPOs, pricing, marketing, rehab, and property maintenance to ensure a fast and efficient disposition process. We manage all tasks in-house with one partner, one assistant, and a network of nine licensed vendors—including three primary contractors for repairs, cleaning, and upkeep. Our accurate BPOs help us achieve an average sales time of under 24.5 days. I serve as the main point of contact and offer 24/7 access through our dedicated asset manager hotline. With over 20 years in real estate and 15 years specializing in REO, my team and I are fully equipped to handle your asset needs with speed, integrity, and professionalism. We’re always available, have a strong track record with REO buyers, and maintain a database of ready-to-act investors. You can count on us to move your properties quickly and efficiently. Don’t take chances—partner with a team that delivers. We look forward to working with you!

Chris Lloyd is the Principal Broker of Axiom Property Group, LLC and co-founder of the Chris Lloyd Real Estate Team, based in Virginia Beach and serving all of Hampton Roads, Virginia. His team of agents, supported by a dedicated Transaction Coordinator, works with real estate investors, first-time buyers, military relocation clients near Joint Base Langley-Eustis, and sellers of distressed and probate properties. The team regularly completes BPOs and is expanding its REO and default-services practice, and Axiom Property Group has submitted its SAM.gov registration for federal contracting.

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.

Todd Hague is an experienced real estate professional specializing in asset disposition, broker price opinions (BPOs), and short sale management. He is actively seeking partnerships with asset management and BPO companies for real estate assignments and referrals. Todd provides full-service support, including buyer and seller representation, property management, cash-for-keys negotiations, insurance services, and mortgage assistance. He is a member of the National and Illinois Associations of Realtors and the MLS of Northern Illinois. His affiliations include REOMAC, RES.NET (REO & Short Sale Certified), Equator, the Mortgage Bankers Association of Illinois, and the Andersonville Chamber of Commerce.

CSSE, REO and BPO Certified (2026 updates) Founded in 1997, our certified woman-owned small business features a team of 14 trained agents specializing in REO, short sales, general brokerage, and BPOs. We are supported by four full-time REO managers, a full-time office manager, a BPO coordinator, and two property managers overseeing rental portfolios. One REO team member is also a professional photographer and licensed state contractor, providing accurate repair estimates during inspections. With over 40 years of combined experience in property management and real estate investment, we bring deep expertise, strong leadership, and a highly organized, results-driven approach to every assignment we handle.

Nikki Crowder is the founder of Solutions First Realty, a WBENC-certified Woman-Owned Business. A full-time REO broker for 24 years in metro Atlanta, she has built a dynamic team focused on REO sales, marketing, and full-service asset support. Her firm covers more than 13 counties and 246 ZIP codes, utilizing every available marketing avenue to deliver strong results. With extensive experience across the Atlanta REO market, Solutions First Realty has sold more than 15,000 properties across all price ranges and locations throughout North Georgia. Nikki is committed to maintaining one of the most respected firms in the industry.

Tamra Lee Ulmer is a highly experienced REO Broker with Arizona Resource Realty, serving clients statewide with over 24 years in default property management. She has sold more than 1,000 REO properties and completed over 8,000 BPOs with speed and accuracy. Having represented more than 65 banks, servicers, and asset management companies, Tamra provides full-service REO support including occupancy checks, preservation, repair coordination, marketing, and closing. She maintains over $100,000 in capital reserves to cover upfront expenses, ensuring timely progress on every file. Supported by a tech-enabled team and vetted contractors, she delivers fast turnaround times, strict cost control, and reliable, results-driven asset disposition across Arizona.

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.

Moved to Texas in 1976 from Michigan, began my RE profession in 1999 where I immediately found my niche in the REO side of the market and have not looked back. Have worked with Wells Fargo, BOA, IndyMac Bank, Select Portfolio Servicing, Shellpoint Mortgage, Dawson, Gitsit and many other servicers. Making homes ready for new buyers from the evictions process to the finish line at the closing table. My motto " Every home has value and there is a buyer for every home" I have a crew of professional contractors that can work quickly through any repairs, and I have funds to holdover until reimbursements happen

Darek Bogacki is a seasoned real estate professional with over 18 years of experience in REO, proudly serving clients throughout his local market with integrity and dedication. As an active, full-time agent, Darek provides expert guidance to homebuyers, sellers, and investors, combining hands-on experience with a client-first approach. His commitment to adapting in a rapidly changing economy has helped countless clients achieve their real estate goals while maintaining the highest standards of service. Whether buying, selling, or investing, Darek’s deep market knowledge and personalized strategies ensure a smooth, successful experience from first consultation to closing.

With over 23 years of experience and more than $1 billion in closed sales, Justin Kiliszek is one of New Jersey’s most trusted REO brokers. Since 2008, he has managed the successful disposition of 3,000+ homes for banks, servicers, and asset managers, delivering speed, compliance, and strong recovery. As head of the REO Division at eXp Realty, Justin leads a full-service team specializing in BPOs, CFK, evictions, repair oversight, and contract-to-close execution. Known for accurate valuations and clear communication, he partners closely with attorneys, title companies, and contractors to ensure smooth, market-optimized results across New Jersey.

I work on residential REO for asset managers, hedge funds, banks, and note investors in CT & NYC Metro. I’ve been active in the REO space since 2014, primarily handling execution once assets move from investor to asset manager and into the broker–buyer phase. My focus is on keeping the investor–asset manager–broker–buyer chain aligned from possession through disposition — coordinating condition review, stabilization, valuation, pricing, negotiation, and contract‑to‑close so assets move forward without avoidable delays or confusion. In practice, most REO issues are not marketing problems. They come from execution breakdowns, unclear handoffs, or local conditions that don’t fit assumptions. I work to identify and resolve those early so timelines stay predictable. I work best with asset managers who want an REO broker that understands how assets actually move through their process and can operate independently without creating noise.