THE DIRECTORY

Reggie McMullin, a 1984 graduate of Texas A&M University, brings over three decades of real estate expertise with a strong focus on REO management. He began his career in real estate appraisal, relocation, and mortgage lending before serving as an Asset Manager in the REO Department at First Gibraltar Bank. Since 1991, Reggie has worked full time in REO sales and management, representing clients such as MGIC, Fannie Mae, EMC Mortgage, Xome Mortgage, Dakota Asset, LPS, Consolidated Analytics, Faye Servicing, and Shellpoint. Known for his experience, professionalism, and results-driven approach, Reggie provides exceptional service and deep market insight to every client and transaction.

David Bohning has been a full-time REALTOR® since 1986 and a state-certified residential appraiser since 1993. Specializing in REO and loss mitigation since 1998, he is experienced in BPOs, cash-for-keys negotiations, occupancy checks, short sales, and property preservation. A lifelong area resident, David combines local market knowledge with decades of expertise to deliver reliable asset management.

Dedicated REO Real Estate Agent with extensive experience managing the full lifecycle of bank-owned and distressed properties. Known for her strong organization, communication, and problem-solving skills, she delivers responsive, reliable service to asset managers and financial institutions. Christine handles all core REO tasks, including occupancy checks, Cash for Keys negotiations, property securing, and coordinating preservation work such as trash-outs, winterizations, and routine maintenance. She works closely with vetted vendors to ensure all services are completed on time, meet investor guidelines, and protect the value and condition of each asset. Highly skilled in valuation, completes detailed Broker Price Opinions, property condition reports, and market analyses that support accurate pricing and informed disposition strategies. From assignment through closing, she oversees marketing, buyer communication, contract negotiation, and transaction management with a keen understanding of local market dynamics.

Shan Barton has lived in the Dallas–Fort Worth area since 1994 and brings a unique background in accounting, business ownership, and real estate investment to her work as a REALTOR®. After managing her own business for several years, she transitioned full time into real estate in 2016. Shan is known for her strong work ethic, professionalism, and dedication to protecting her clients’ interests. She leverages market resources, a broad professional network, and clear communication to ensure smooth, timely transactions. Whether buying or selling, Shan prioritizes client satisfaction, striving not just to earn business but to exceed expectations and build lasting relationships.

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.

Gregory Vartanian is an experienced listing agent specializing in REO marketing, valuation, and property oversight. He lists assets on the MLS, manages buyer inquiries, and completes detailed interior and exterior BPOs to support accurate pricing. Gregory provides full property preservation services, including rekeying, clean-outs, trash and debris removal, landscaping coordination, and routine drive-by or visual inspections to ensure properties remain secure and free of squatters or damage. He also oversees renovation projects, conducting follow-ups for rehab draws and managing light repairs to prepare assets for market. Gregory delivers reliable, hands-on service throughout the entire disposition process.

Howard Spencer is a REALTOR® Associate and SFR-certified agent specializing in REO, pre-foreclosures, short sales, and probate properties across Northeast Florida. With 18 years of home-building experience, he brings deep construction insight to every assignment. Formerly ranked in the Top 1% for closed units at Coldwell Banker in New Jersey, he now leads an eXp Realty team that manages and sells REO assets statewide for local and national financial institutions. His team delivers 24-hour occupancy checks, 48-hour rekeys and BPOs, and seamless management from assignment through closing. Known for clear communication and prompt execution, they provide reliable, results-driven REO support.

Joe Gummerson is an experienced Real Estate Broker with over 35 years in residential sales and 25+ years specializing in REO and distressed properties. Based in San Diego County, Joe has successfully closed more than 1,000 transactions, including over 600 REO assignments during the Great Financial Crisis. Known for his attention to detail and reliability, he consistently helps asset managers and clients achieve seamless results. Joe leverages advanced platforms including RES.NET and Pyramid to manage and market properties efficiently. His reputation as the “Hardest Working Broker in the Neighborhood” reflects his commitment to professionalism and performance.

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.

Steve Epstein, CRS, GRI, SFR, CDPE, is the Director of REO Services and leader of the Santa Barbara REO Team. With over 35 years of experience and 650+ REO properties sold, Steve has specialized in REO marketing, preservation, and disposition across Santa Barbara and Ventura Counties since 1990. Recognized among the “Top 100” and “International President’s Elite,” he combines expertise, precision, and accessibility—offering 24-hour REO servicing. A Certified Residential Specialist and Graduate of the Realtors Institute, Steve’s team has closed more than 2,650 transactions totaling over $2 billion, earning a reputation as Santa Barbara’s #1 real estate team.

Paul Mahoney, of the KW Realty Mahoney Team, brings over 17 years of specialized experience in short sales, foreclosures, property rehabilitation, and preservation. He and Denise Mahoney have sold more than 500 REO properties since 2009 and have personally processed and closed over 200 short sales. With 20 real estate certifications, extensive HUD/HECM expertise, and exceptional professional marketing—including luxury home marketing—Paul consistently delivers top-tier results. A yearly Top Producer, he is fluent in Brazilian Portuguese and Spanish, allowing him to serve a wider range of clients with clarity, confidence, and superior customer care.

Cris Sallmen has honed her skills, drawing on her teaching background, to transition into the real estate industry. She leverages her strong communication, listening, and teaching skills to close properties successfully. She is committed to treating each transition as if it were her own, prioritizing integrity, market knowledge, effective negotiation, and a robust professional network. Her "client first" philosophy maintains accessibility, rapid responsiveness, and clear communication. With extensive experience in Chicago and its suburbs, her proactive approach ensures the job is done effectively and in a timely manner.

Debra Garcia-Mangogna is a seasoned real estate broker with over 30 years of experience in residential and corporate-owned real estate. Licensed since 1990 and a Broker since 1998, she became a Freddie Mac Broker in 1993 and has specialized in REO ever since. Her expertise spans property management, valuation, marketing, and full-cycle disposition across homes, condos, co-ops, multifamily assets, and land. Debra has managed operations for more than 25 clients nationwide with precision, compliance, and strong market insight. She holds numerous REO and default-industry certifications, including NRBA, RES.NET, AREO, NABPOP, VRM, and Equator, and is a certified woman-owned business.

I am Tyler Herndon, Co-Owner and President of R-Eyes Asset Management. With more than a decade of hands-on experience in property management and foreclosure services, I have managed thousands of distressed and REO properties nationwide for major banks, servicers, investors, and government-sponsored enterprises. I developed the industry’s “Virtual Asset Management” platform—a fully integrated system that combines real-time video surveillance, remote monitoring, and proprietary technology to provide complete oversight and streamline every stage of the REO process, from initial securing and preservation to marketing and final disposition. This approach delivers unmatched transparency, faster response times, lower carrying costs, and proactive protection against vandalism, occupancy, and compliance risks. Under my leadership, R-Eyes has earned the trust of many of the nation’s largest financial institutions by setting a higher standard for efficiency, accountability, and value preservation in default and REO asset management.

Hanna Ibrahim has been active in real estate since 2002 and earned his broker’s license in 2005. As manager of Century 21 Real Estate Alliance offices in Millbrae, San Carlos, and Tracy, he oversees commercial, residential, land, and business opportunity transactions. His expertise includes REOs, short sales, distressed properties, and fixer-uppers. Known for strong leadership, negotiation, and communication skills, Hanna has trained and managed real estate agents for more than two decades while helping clients achieve successful outcomes.

Robert Gonzalez has been in real estate for 34 years, with the last 17 years focused on REO properties. He leads a team with expertise in escrow and title, property development and management, and includes a licensed assistant.