THE DIRECTORY

Since 2005, I’ve built my career on one principle: client satisfaction comes first. As a licensed real estate broker, REO-certified agent, and mortgage lender, I offer a unique, 360-degree perspective that guides you through every step of the process with confidence.I specialize in East County San Diego and El Cajon, handling residential, commercial, and land transactions. My lending expertise ensures buyers secure the best mortgage options, while my digital marketing strategies and professional valuations help sellers maximize their property’s value.My commitment to excellence has earned me the Platinum Award—the highest industry recognition—every year since 2018. Today, I lead my own brokerage of over 20 employees and 15 agents, providing 24/7 responsive service. As a Zillow partner, I also ensure your listing receives maximum exposure to millions of potential buyers.Fluent in English, Arabic, and spanish, I am proud to serve San Diego’s diverse community. I am deeply committed to giving back through my nonprofits, Clever Community Development and the MENA Chamber of Commerce, as well as sponsoring local youth sports.

Marisa Barragan is the Managing Broker/Owner of Compass REO Inc., a Minority and Woman-Owned brokerage with 30 years of real estate expertise and dedicated REO experience since 2005. Licensed since 1994, she provides full-service REO management across Illinois, including BPOs, CFKs, evictions, preservation oversight, repair coordination, and compliance reporting. Recognized nationally as a NAHREP Top 250 Hispanic Realtor, Marisa is active on platforms such as Equator, RES.NET, Yardi OneP260, Pyramid, and Exceleras. With strong partnerships and proven strategies, she focuses on maximizing asset value, reducing days on market, and delivering results that build lasting relationships with asset managers nationwide.

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.

Angela Powell is an REO marketing specialist with over 25 years of distressed property experience and 32 years in related real estate fields. Co-owning the business with her husband, a disabled veteran, she provides full REO services including short sales, investor outreach, notary services, and bilingual support in English and Spanish. Angela serves as President of the Georgia Realtors local board and maintains long-standing relationships with Pemco, HUD, USDA, Xome, VRM, LRES, ATeam, and Selena. Her certifications include CDPE, Five Star REO, RDCPro, A-REO, MRP, C2EX, AHWD, and Diversity & Inclusion. She serves the South Georgia region.

Emma Djiya is an independent broker specializing exclusively in REO, backed by 13 years of proven experience. She currently manages a diverse portfolio of assets and has perfected the essential REO skill set that banks, servicers, and institutional clients demand. Emma understands the expectations, timelines, and processes required in default servicing—and consistently meets them with accuracy, urgency, and professionalism. Ranked as a top REO agent in her market, she and her team excel in valuation, management, and disposition of foreclosed properties. For results-driven REO representation across New York and Pennsylvania, Emma offers dependable performance and exceptional service.

Frank DeNovi is a seasoned real estate broker with over 39 years of experience and deep expertise in reverse mortgages, institutional asset management, hedge funds, and investor sales. Specializing in REO, he has facilitated more than $1 billion in distressed property sales across Chicagoland. Frank is a trusted partner to asset management firms, banks, hedge funds, and private equity groups, delivering full-service solutions with professionalism and precision. His mission is to support sustainable homeownership while strengthening market stability. Frank’s commitment to clients and the industry is reflected in his comprehensive, results-driven approach.

With more than 20 years of proven experience serving the Dallas–Fort Worth market, Loves Realty is a results-driven brokerage committed to delivering exceptional service, strategic execution, and measurable outcomes for foreclosure asset managers and institutional clients. As a boutique firm with a highly accessible Broker, we combine the personalized attention and agility of a local market expert with the professionalism, systems, and industry best practices expected by today’s asset managers.

Managing Broker and REO Specialist with 27+ years of experience and over $250 million in closed real estate transactions. Extensive experience in REO disposition, BPOs, foreclosure sales, investor acquisitions, occupancy resolutions, and vendor coordination throughout Chicagoland. Known for fast response times, accurate valuations, strong communication, and results-driven asset management.

Mays Khalaf, CRS, GRI, SFR, CDPE, is the Principal Broker for Keylink Real Estate, one of  Cincinnati's top-performing REO brokerages serving the Tri-State area. Known for delivering results in high pressure situations, Mays is a trusted expert in distressed property assets, and  a certified specialist in short sales, cash for keys negotiations,  BPO's, rapid evaluations, acquisitions, dispositions, and all aspects of servicing.  When performance matters, trust proven experience.

Veda Nembhard has more than 30 years of real estate experience, specializing in REO properties and the Atlanta market. Licensed since 1990, she has represented numerous banks and mortgage companies in listing and marketing foreclosure assets. With deep local knowledge and proven REO expertise, Veda delivers efficient, results-driven service that maximizes value from valuation to closing.

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.

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.

I am in my 31st year of full time, everyday transactional real estate sales in San Diego. I was the youngest re-sale real estate agent in the county when I started in November/1995. I am a Broker/Owner of an independent real estate brokerage. I originated loans and performed real estate sales duties, both, for the first 16 years of my career. Prior to my real estate career, I worked in Financial Services with Morgan Stanley & T. Rowe Price. I mentor & train agents through the operations manager position in my company. I successfully closed over 100 short sales from 2007-2013. We have a Property Management Division which my wife, Kristine, directs. The same crew of contractors and referral partners that helps us with property management is available to help with REO property listings. I have been looking forward to connecting with and servicing asset managers for many years.

VERY EXPERIENCED USREO PARTNERS MEMBER – REO BROKER & FORMER NRBA DIRECTOR! GOT GOOD, BAD, or UGLY ASSETS? I’ll turn them FAST! I make asset management EASY with results that speak for themselves—DOM under 30 days, 93% CFK success, and a rock-solid BPO-to-sales ratio within 10%. With 24 years of high-volume experience, I have sold 2,000 REOs, completed 10,000 BPOs & hold every REO Certification. I deliver occupancy checks, rekeys, and bids in 24 hours. My team & 24/7 vendors. Proven negotiation power and on-time delivery - “on-time” is LATE in my book. I will make your asset management stress-free.

Mayra Santana is a full-service real estate broker with over 34 years of experience serving the San Fernando, Santa Clarita, and Antelope Valleys. Known for delivering superior service, she combines deep market expertise with effective marketing strategies to help sellers achieve top dollar and fast results. Since 2008, Mayra has been a trusted HUD listing broker and continues to guide first-time and returning buyers through every step of the process with clear communication and valuable homeowner resources. Dedicated to professionalism and long-term client relationships, Mayra prides herself on providing unparalleled service and a seamless real estate experience.

REO & Short Sale Specialist with 19 years of maximizing returns by selling your assets for the highest price possible in the shortest amount of time. Based in Western Washington, I bring exceptional knowledge and experience in all phases of REO work including BPO’s, CFK’s, evictions, trash-outs, utility activation, routine inspections, repair bids & coordination, *exceptional marketing*, task management and utilization of current technology to sell your assets for the most money. I answer my phone, return messages promptly and complete tasks efficiently. NRBA- National Association of REO Brokers, CSSE- Certified Short Sale Expert, CDPE- Certified Distressed Property Expert

Barbara Ungerman brings 38 years of real estate experience, including more than 16 years in the default sector. With a background as both a real estate agent and a title/closing agent, she uses her title expertise to resolve the complex challenges often found in REO transactions. As an agent with Elite Housing Advisors, she manages REO and short sale listings across Flagler, St. Johns, and Northern Volusia counties while guiding buyers with confidence and care. Known for her thoroughness, integrity, and results-driven approach, Barbara consistently exceeds expectations and remains a trusted resource for asset managers and homebuyers alike.