THE DIRECTORY

Luis Zubiate is a seasoned real estate broker with 25 years of experience serving Northern California, primarily San Joaquin County. As part of the national Weichert Realtors franchise, he specializes in residential real estate with additional expertise in property management. Luis brings more than 15 years of REO experience and has completed hundreds of BPOs for leading valuation and asset management companies, including Clear Capital, FASInc, Consolidated Dynamics, and others. Known for his reliability, market knowledge, and thorough reporting, Luis provides consistent, high-quality service to both traditional clients and institutional partners.

Angie Cortes is a privately woman-owned real estate agent, with 10+ years of experience in property sales, 8+ years in REO, and 25+ years of expertise as a branch manager/ML Analyst in PR, property valuation, CMA®, SFR® Expert. With effective sales execution, working alongside large local banks, investors, and asset managers throughout her career, Angie has established a reputation for achieving positive results. Since 2015, AC Real Estate PR has helped sellers and buyers meet their selling/buying goals. In 2016, she became a certified selling agent for most large commercial banks in PR, REO division. In 2017, she started working as an SA for HUD properties, and since 2021, she has been a Certified HUD Listing Broker.

Tom Bookhardt, founder of United Real Estate Partners, is an accomplished broker with expertise in REO, residential, multi-unit, and commercial transactions. A former top 50 Century 21 agent in the South Region, he works with lenders, asset managers, and institutions to maximize recovery. Based in New Orleans, Tom also advocates for animal rescue and local charities.

Richard Wolnik brings over 30 years of real estate experience, including more than 20 years specializing in REO. He and his team treat every asset as their own—conducting weekly photo inspections, Sunday open houses, detailed video walkthroughs, and 3D floor plans. Their marketing strategy includes drone photography and high-definition imagery to showcase properties at the highest standard. Guided by the motto “always do a little more than you’re paid to do,” Richard’s commitment to quality, integrity, and proactive service has earned him a reputation for delivering exceptional results and maximizing value for every client and asset manager he serves.

Donnie Upton has been a licensed real estate agent since 1996 and became a Broker in 2022. In 2025, he launched his own firm, where he now leads and mentors a growing team. Licensed in both Virginia and North Carolina, Donnie brings nearly three decades of industry experience to every transaction. His focus on professionalism, personalized service, and steady leadership has helped him build a trusted reputation across both states. As his firm continues to expand, Donnie remains committed to guiding clients with integrity and delivering strong results for buyers, sellers, and investors alike.

Paul Snyder is a veteran REO specialist with nearly four decades of experience managing and marketing distressed assets. Since 1986, Paul has represented major institutional clients nationwide and previously served as the Pennsylvania State Manager for USREOP. Paul has experience with Fannie Mae, Freddie Mac, HUD, VA and numerous lenders and servicers. His long-standing expertise, institutional knowledge, and commitment to efficient and timely asset disposition makes him a trusted partner for servicers, government agencies, and asset managers.

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.

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.

With over 36 years of experience, Jasna Hoyt is a trusted real estate professional known for integrity, expertise, and a client-first approach. As Broker and Owner of Hoyt Real Estate, she leads with deep knowledge in residential sales, REO, new construction, and investor relations. Jasna expertly serves first-time buyers, seasoned investors, and institutional sellers, managing everything from traditional listings to complex REO portfolios for government and bank-owned assets. Her success is built on clear communication, strong negotiation skills, and a passion for helping clients achieve their goals. Jasna remains a proven advocate across all real estate sectors.

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.

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!