THE DIRECTORY

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.

Currently hang my license with American Realty in Atwater, CA. Have been in Real Estate since 2008 and specialize in helping buyers purchase resale homes, short sales, and REO properties. I am a member of the National REO Broker Association. I have a strong background in computers ranging from hardware, software, applications, and now social networking. I specialize in both sellers & buyers and asset management companies listing REO and Short Sale homes. In the last three years I sold 50 Million in volume. I am NAR Short Sales and Foreclosures Resource Certified as well as a Certified Distressed Property Expert (CDPE). Certified C-Reps agent. CRS Certified, Accredited Buyer’s Representative, Seller Representative Specialist, RENE: Real Estate Negotiation Expert Certified. Top 200 Agent in the US. In the last year I have completed 272 BPOs, with 34 property inspections BPOs completed in 2 weeks.

With nearly two decades of experience in the REO industry, William Ramos is fully capable of handling all of your REO needs. He has a dedicated and committed full-time REO team that includes a multilingual sales staff of buyer's agents and transaction coordinators, highly experienced in REO sales. Financially, his team can cover all costs necessary to rehab and maintain your assets. Associations: National REO Brokers Association (NRBA), US REO Partners (USREOP), National Association of Hispanic Real Estate Professionals (NAHREP), National Association of Realtors (NAR), Real Estate Owned Managers Association of California (REOMAC), National Association of BPO Professionals (NABPOP), and Default Industry Leaders (DIL).

Howard Spencer is a REALTOR Associate, SFR in Central New Jersey, specializing in REO (bank-owned) properties, pre-foreclosures, short sales, and probate properties. With a background of building homes for 18 years, homes are his passion. If you're looking to buy or sell a home, contact Howard first—he can also assist outside of New Jersey through a referral. Howard ranked in the Top 1% for closed units at Coldwell Banker in New Jersey, out of 3,600 agents. His team currently manages and sells REO assets across the state for both local and national financial institutions. They are experienced throughout the entire REO process, from initial occupancy checks to ensuring successful, on-time closings. They provide occupancy status within 24 hours, re-keys within 48 hours, and BPOs within 48 hours of re-key. Having expanded their staff and technological capabilities, they are well-equipped to handle new REO or short sale listings within their service area. Their team of foreclosure specialists offers prompt service and clear communication with asset managers, often utilizing video email when necessary. Committed to going the extra mile, they aim to help asset managers achieve their goals efficiently and effectively.

Sharon Bartlett has over 40 years of experience in the real estate and mortgage industry, 13 of which were in REO operations and vendor management at Freddie Mac. Sharon’s knowledge of REO, attention to detail, and ability to communicate make her an excellent partner to her clients! Having previously been on the corporate seller side of REO, Sharon understands what it takes to manage, market, and close an REO property. She’s not in this by herself—Sharon has a full team behind her to support the entire REO process. Sharon is actively involved in her community, volunteering for Rebuilding Together and Habitat for Humanity. She is the Executive Director of Operations for US REO Partners and the 2025 Chair of MetroTex Association of REALTORS Professional Development Advisory Group.

Real Estate broker and agent for 25 years, serving the Northern California area of San Joaquin County. We are a proud franchise of Weichert Realtors, a national real estate franchise. Our main focus is residential real estate, and we also have an interest in Property Management. I have over 15 years of experience in REOs and that many years completing BPOs for many service companies , such as Clear Capital, FasInc , Consolidated Dynamics, and many more. I have completed hundreds of BPOs for these great companies.

Hugh Elder has sold over 2,500 REO properties, boasting over 27 years of experience as a real estate broker in California and more than 25 years of specialization in marketing REO properties. He provides initial drive-by evaluations, BPOs, or appraisals within 24 hours, as well as same-day occupancy status updates. Properties are secured the same day, utilities (electricity, water, gas) are turned on or off as needed, and re-keying or cash-for-keys negotiations are completed on the same day. Hugh regularly meets with inspectors and contractors for bids, facilitates fast evictions, and advances required funds until reimbursement. He is certified by REOMAC, NRBA, RES.NET, Equator, NAHREP, AREAA, and FORCE, and has held designations including Default Schools Certified (IndyMac/OneWest Bank), Platinum Equator, and Five Star Certified. Hugh is supported by a full REO staff of qualified personnel with experience and knowledge in handling REO properties.

As an REO agent with over 40 years of experience, Patti Furman’s motto has always been: ‘Go with the flow of REOs.’ Each property, village, seller, and buyer is unique and needs individual attention. Effective communication is crucial. Whether she’s liaising with asset managers about aged properties, discussing market changes, or coordinating with vendors and buyers' agents, clear communication and consistent follow-up are her team’s top priorities. They hold daily meetings to review goals and projects for the day, week, and month. They operate with the highest integrity, ensuring their actions are always based on facts. When necessary, they share insights grounded in experience rather than opinion. Patti is an active member of NAR and USREOP. Through USREOP, she participates in monthly training sessions and meetings with industry leaders, regularly sharing insights on the latest market trends with her REO colleagues by teaching and mentoring others in the network.

Angela is a highly experienced REO Broker. Give her your luxury or starter properties, she sells them all. As a Woman-Owned Small Business Certified professional with over 21 years of real estate experience, including extensive work with HUD, she brings a deep well of knowledge to every transaction. 13 years as an REO listing broker, 15 years of experience with REO buyer side, and 16 years as a property manager, handling everything from maintenance to billing. Licensed in both Washington State and Florida, with dedicated teams in each region to ensure seamless service. Her team markets your assets on over 55 websites, including Zillow, Redfin, and Homes.com, maximizing visibility. To further enhance your listings, she offers professional and drone photography, video walkthroughs, and even Matterport or Video Tours.

As an experienced REO salesperson with over 20 years of experience managing and selling REOs and short sales, Juliet Hardy is committed to providing the highest caliber of professional service in every transaction, efficiently and with integrity. She attends conferences throughout the year, including the Five Star Summit, and has completed Bob Norrell's course, "Bridging the Gap, REO Training Workshop." REO memberships include National Association of Default Professionals (NADP), Equator, RES.NET, Radian Pyramid Platform, and REONetwork.com. Additional memberships with the National Association of Realtors and the California Association of Realtors.

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. || 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 on behalf of banks, servicers, and asset managers—delivering speed, compliance, and top-tier recovery. || As head of the REO Division at eXp Realty, Justin leads a full-service team skilled in BPOs, CFK negotiation, eviction coordination, renovation and repair oversight, and seamless contract-to-close execution. || He works closely with attorneys, title companies, and licensed contractors to ensure smooth outcomes from pre-foreclosure through final disposition. || Known for clear communication, accurate valuations, and results under pressure, Justin’s REO team is built for scale, speed, and accountability. || Partner with Justin Kiliszek and the eXp Realty REO Division to streamline your foreclosure pipeline and maximize asset recovery across New Jersey.Since 2008, he has managed the successful disposition of 3,000+ homes on behalf of banks, servicers, and asset managers—delivering speed, compliance, and top-tier recovery. || As head of the REO Division at eXp Realty, Justin leads a full-service team skilled in BPOs, CFK negotiation, eviction coordination, renovation and repair oversight, and seamless contract-to-close execution. || He works closely with attorneys, title companies, and licensed contractors to ensure smooth outcomes from pre-foreclosure through final disposition. || Known for clear communication, accurate valuations, and results under pressure, Justin’s REO team is built for scale, speed, and accountability. || Partner with Justin Kiliszek and the eXp Realty REO Division to streamline your foreclosure pipeline and maximize asset recovery across New Jersey.

As a seasoned REO professional with nearly a decade of specialized experience in Broker Price Opinions and the management of Real Estate Owned (REO) properties, Ray King brings valuable insight to the home buying and selling process. With over 28 years of hands-on experience in sales, marketing, and property management, he offers a client-centered approach built on clear communication, timely service, and a deep understanding of market dynamics. Ray’s background as a disabled veteran drives his strong sense of duty and commitment to serving clients—especially fellow veterans—by guiding them through every step of their real estate journey. He prioritizes responsiveness and maintains active communication through phone, email, and platforms such as ResNet and Equator, ensuring a smooth and well-supported process from asset assignment to closing.

Bob Thompson, a real estate expert with over 20 years of experience, specializes in short sales, REO transactions, and personal development. Since 2008, he has helped hundreds of homeowners navigate the challenges of short sales and has been a trusted REO listing agent since 2012. A respected voice in the industry, Bob regularly shares his insights through podcasts and professional forums. He is a proud member of the Legacy Group International Advisory Group and My Biz Coaches, contributing his expertise to support others' growth. As a certified Growth Coach, he mentors both new and seasoned agents with a focus on long-term success and authentic service. In 2018, Bob faced a major turning point after surviving two heart attacks and undergoing quadruple bypass surgery, leading him to rebuild his life and business from the ground up. His journey of resilience and renewal inspired his first book, released in 2025, which shares lessons on leadership, mindset, and service. Bob’s story is one of perseverance and purpose—whether guiding someone through a breakthrough, mentoring agents, or closing complex deals, he brings a deep commitment to helping others succeed while drawing from his own transformational experience.

With over 36 years of real estate experience, Jasna Hoyt is a trusted name in the industry, known for delivering results with integrity, expertise, and a client-first mindset. As the Broker and Owner of Hoyt Real Estate, Jasna leads with deep knowledge across a wide range of real estate specialties, REO properties, residential listings and sales, new construction, and investor relations. Jasna’s extensive background allows her to serve first-time homebuyers, seasoned investors, and institutional sellers with equal precision. She brings unmatched insight to each transaction—whether guiding clients through building their dream home, negotiating high-stakes sales, or managing complex REO portfolios for government and bank-owned assets. Her long-standing success is rooted in clear communication, strong negotiation skills, and a passion for helping others achieve their real estate goals. Whether navigating traditional home sales or strategic investments, Jasna Hoyt is a powerhouse advocate with a proven track record of success.

Marie Kahvajian is a real estate and default industry expert and business coach with over 30 years of REO experience in residential and commercial properties, short sales, receiverships, and HUD housing counseling. She has a 94% success rate in relocation assistance. Her unique skills enable occupants to move forward with positive guidance. She also specializes in default industry consulting, property management, overseeing general contractors, and luxury homes. Every property, regardless of its size, is carefully analyzed to maximize ROI. Her company is financially stable, fully insured, and supported by a trained in-house team. All vendors are vetted and insured. Her team's marketing services include professional photography, 3D Matterport tours, videos, aerial shots, and detailed floor plans. Their mission is to deliver integrity, excellence, and results in every transaction.

As a solution provider in the real estate and lending industries, Jacqueline Gouldbourne specializes in helping individuals and families with their relocation needs. Her team is committed to making the process smooth and stress-free. Her passion is to educate and foster stability in the community while helping people achieve their dream of homeownership. She and her team build strong, ongoing relationships by acting with integrity and professionalism.