THE DIRECTORY

Cowtown Realty, LLC is a veteran- and woman-owned brokerage based in Fort Worth, serving the full Dallas–Fort Worth market with expertise in residential, corporate, and REO listings. Led by a Navy veteran and a Texas businesswoman, the firm provides one point of contact and audit-ready files for every assignment. Services include 24–48-hour BPOs, same-day occupancy checks, rekeys, trash-outs, preservation, repair bids, and weekly updates. With $500,000+ available for advances, 10 licensed agents, and dedicated contractor crews, Cowtown moves quickly and efficiently. Full MLS exposure, professional media, and data-driven pricing ensure reduced days on market and maximized 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 a career in real estate spanning over 35 years, Jim Brooks has worked as a realtor (formerly in IL and NJ since 2008), a home builder, a bank VP for residential lending, and a closing agent for new home loans. Over the past 10 years, The Jim Brooks Group has represented numerous buyers and sellers in distressed sales, including REOs and short sales. With the “Black Book” of ready and willing buyers, a property does not last long as an open listing, and the asset manager can rest assured that these nonworking assets will be moved to the working column quickly.

I’m a seasoned REO NYS Broker with over 25 year REO experience and a current NRBA member, NADP member, and USREO partner. I am highly experienced with asset managers & hedge funds, delivering quick, results-driven disposition of distressed and bank owned properties.

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.

Gary Altizer is a Florida Real Estate Broker with over 25 years of experience helping buyers and sellers navigate the market with confidence. Since earning his broker’s license in 2001, he has built a reputation for delivering results through expertise, precision, and a client-first approach. In addition to his brokerage credentials, Gary holds a Florida Real Estate Instructor’s License—giving him an advanced, up-to-date understanding of real estate law, licensing requirements, and the ever-changing landscape of lending and appraisal practices. This added level of insight allows him to anticipate challenges, protect his clients’ interests, and keep transactions moving smoothly. Whether working with buyers, sellers, or industry professionals, Gary is known for clear communication, strategic guidance, and a steady hand throughout the process. His goal is simple: to provide a seamless experience while maximizing value and minimizing stress for every client.

Ready to Buy or Sell? Let’s Make Moves. Professional Real Estate Agent | eXp Realty | Lic# 01262858 Experienced real estate professional specializing in property acquisitions, disposition strategies, and long-term hold investments. With over two decades in the industry, I bring a strong understanding of market cycles, investment analysis, and transaction execution. I have hands-on experience in Build-to-Rent (BTR) leasing projects, working with institutional operators such as Invitation Homes and Tricon, where my team and I successfully leased residential communities in Corona and Menifee. I proudly serve clients throughout Los Angeles County, Orange County, Riverside County, and San Bernardino County, providing strategic guidance to buyers, sellers, and investors. Beyond transactions, I am committed to building meaningful relationships with like-minded professionals. I believe that collaboration, communication, and continuous learning are key to staying ahead in our industry. “Knowledge is Power” and strong networks drive strong results. Serving LA, OC, Riverside & San Bernardino. Text or call anytime: (562) 647-1242 Let’s turn your real estate goals into wins.

Founder of the REO& Foreclosure Divisions at Coldwell Banker. Have represented every Major Bank, Savings&Loan, Mortgage Company, Asset Management Firm, Hedge Funds, GSE's and Hard Money Lenders Nationwide.

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.

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.

With 12+ years in real estate, Karuna Singhvi is a HUD-registered listing agent and seasoned REO specialist known for fast, efficient, and compliant results. She has managed and sold hundreds of REO properties, delivering reduced holding costs and accelerated timelines. Her expertise spans occupancy checks, preservation oversight, valuations, marketing, cash-for-keys, and closing coordination, maintaining a 100% relocation-assistance success rate. Karuna works seamlessly across RES.NET, Xome, Exceleras, Pyramid, LRES, Equator, MLS systems, and BPO platforms. Certified in SFR and an active member of NAR and Florida REALTORS®, she is recognized for her professionalism, communication, and reliable performance.

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.

Monet Templeton leads The Templeton Real Estate Team, a top-performing group with over 20 years of industry experience serving buyers, sellers, and investors. Known for award-winning service and proven results, her team operates with a collaborative model that ensures every detail of each transaction is handled with precision, speed, and care. Unlike traditional single-agent approaches, The Templeton Team provides specialized support at every stage—delivering smoother processes, stronger negotiation, and superior outcomes. Their reputation is built on trust, expertise, and exceptional client satisfaction, making them a leading choice for anyone seeking a knowledgeable and highly experienced real estate partner.

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 25 years of experience in property disposition across South Florida, from the East to the West Coast, I specialize in providing top-tier Real Estate Owned (REO) services. My three office locations and extensive industry certifications, including GRI (Graduate Realtor Institute), Equator Platinum, and RES.net Professional, underscore my commitment to excellence. I maintain strong, ongoing relationships with numerous key clients and have a proven track record of high-volume transactions and efficient property management.

A lifelong New Jersey resident, Nick Verdi is a respected Keller Williams City Views Realty agent known for his client-first approach and strong work ethic—values inspired by his mother and grandmother. While attending William Paterson College, he earned his real estate certifications and has served Northern and Central New Jersey since the mid-1990s. A multi-year NJ Realtors® Circle of Excellence award recipient, Nick specializes in sellers, first-time buyers, investors, and luxury properties. He also has extensive experience in the default sector, having listed and sold hundreds of bank-owned homes and short sales.

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.

Jennifer Ruspini, owner and broker of Ruspini Realty, LLC, brings over 25 years of experience in Connecticut real estate and asset management. Specializing in REO since 2001, she has represented government agencies, hedge funds, and financial institutions in the valuation, management, and disposition of distressed assets. Jennifer is known for accurate pricing, detailed oversight, and efficient file-to-close execution. Her expertise also includes workforce housing, property preservation, and energy-efficient housing solutions. As an 8(a)-certified government contractor, she supports federal housing initiatives and community development. Jennifer is committed to professionalism, integrity, and mentoring new agents while advancing industry standards.