THE DIRECTORY

Elyse Allen is a task-driven REO specialist serving the entire state of Idaho. An Idaho native with over 25 years of REO experience, she has successfully listed and closed hundreds of properties for multiple outsourcers across several platforms. Known for her precision, accountability, and results, Elyse expertly manages every asset from initial assignment through funding and recording. Her proven track record and strong communication skills have earned her a reputation for making asset managers, banks, and their needs her top priority—delivering efficient, compliant, and seamless transactions every time.

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.

Todd Kevitch is an experienced REO specialist with a proven track record of listing and selling more than 500 properties and over 3000 BPOs. He is actively involved in every stage of the process, including lockouts, tenant negotiations, property preservation, and contractor management. Todd’s hands-on approach and attention to detail ensure smooth, efficient transactions and optimal results for clients.

Stefani Rutledge is a seasoned REO specialist with over 16 years of experience in REO and BPO services. Known for her reliability, accessibility, and strong follow-through, she leads her team with integrity and a commitment to exceptional service. Stefani delivers rapid results, completing BPOs within 36 hours and providing same-day rekeys to expedite property readiness. A Certified Distressed Property Expert (CDPE), she combines deep industry knowledge with efficient systems that streamline transactions, reduce risk, and maximize recovery. Her focus on accuracy, speed, and high-value outcomes has made her a trusted partner to asset managers seeking consistent performance and smooth asset disposition.

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.

Amber Cosby is a dedicated broker with more than 15 years of real estate experience, specializing in REO and foreclosure listings in Greater Austin, Texas. Known for her strategic approach and attention to detail, she expertly manages bank-owned properties, guiding clients through every step with clear communication, tailored solutions, and a commitment to exceptional results.

Maria Navarro began her real estate career in 2003, specializing in VA foreclosures and HUD homes. Based in San Antonio, she has spent more than two decades in the default industry across South Texas. In 2020, she founded her own brokerage, where she continues to excel in REO management and disposition. With over 1,500 homes sold, Maria is a preferred broker for multiple AMCs, hedge funds, hard money lenders, and banks, holding exclusive portfolio agreements. She maintains strong partnerships with attorneys, city officials, contractors, HOAs, and property managers. Her marketing includes virtual tours, video walkthroughs, and aerial photography, ensuring smooth, compliant, high-value transactions.

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 for banks, servicers, and asset managers, delivering speed, compliance, and strong recovery. As head of the REO Division at eXp Realty, Justin leads a full-service team specializing in BPOs, CFK, evictions, repair oversight, and contract-to-close execution. Known for accurate valuations and clear communication, he partners closely with attorneys, title companies, and contractors to ensure smooth, market-optimized results across New Jersey.

Kendra Murphy is a REALTOR® with specialized certifications, including Probate Expert (CPRES), Divorce Expert (CDRE), Foreclosure Specialist (SFR), and Short Sale Specialist (CDRS). She is a graduate of the REALTOR® Leadership Academy (GRLA) and the Graduate REALTOR® Institute (GRI), and holds the Certified Residential Specialist designation (CRS/RRC).

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.

Experience: Michelle Syberg has what it takes to get the job done quickly and efficiently! With over 20 years of real estate and mortgage experience, Michelle has the know-how to handle the most complicated real estate transactions. Commitment: Michelle has a passion to set the standard in Real Estate service. She works full time (and then some) at her profession. With the help of the Syberg Team, clients can count on a quick and helpful response. Hard Work: Consistent, quality care giving is what you can expect from Michelle and the Syberg Team. Individually and collectively, they are committed to going above and beyond for the clients and corporations they serve. Attitude: You’ll be hard pressed to find a Realtor with more enthusiasm or a more positive attitude than Michelle Syberg. Michelle loves what she does— that’s her secret! Results: Michelle and her team have worked hard to earn her the ranking as one of the top agents in the St. Louis area for production. She was 2017 Realtor of the Year—a fact that confirms she has what it takes to get the job done! Lifetime St Louis resident and proud graduate of University of Missouri Columbia!

Peggy Orf is an experienced real estate professional based in the San Antonio Hill Country, specializing in REO inventory for more than 20 years. Her background spans residential homes, land, and small-acreage estates, with hands-on expertise from assignment to closing. Peggy manages every stage of the REO process—including occupancy checks, valuations, cash-for-keys negotiations, evictions, marketing, contracts, and transaction coordination—with precision and accountability. Known for her reliability and results-driven approach, she consistently delivers smooth transactions and minimizes days on market. Peggy’s commitment to efficiency and client satisfaction has made her a trusted partner throughout the South Texas REO community.

Elizabeth Muniz has been a licensed Realtor since 2015 and began her REO career in 2017, working with clients including Fannie Mae, NRT REO Experts, FAS, Single Source, and American Destiny Real Estate. She has managed hundreds of REO assets across the Hudson Valley, earning a reputation as one of the region’s top REO agents. Elizabeth brings strong expertise in preservation, valuation, marketing, and closing, delivering efficient, integrity-driven results for asset managers. She is committed to staying current on best practices, growing, collaborating, and contributing to excellence in the REO industry.

Edward Hru, CRS, GRI, CDPE, CPRES, SFR, and other designations, is a seasoned real estate professional based in Orlando, Florida. He is licensed in both Florida and Illinois and brings extensive experience as a mortgage broker, real estate instructor, and former building contractor. Over the course of 15 years, Edward has successfully sold more than 2,600 REO properties. He is currently located at 1221 W Colonial Dr, Suite 101, Orlando, FL 32804.

Ramesh Seegulam, ABR, CSN is Vice President of Operations and Associate Broker at Nation One Realty Group, Inc., headquartered in Buford, GA with offices in Atlanta. With over 30 years of real estate experience and a specialty in REO asset disposition, Ramesh manages every stage of the REO process—from inspection, BPOs, and preservation to marketing, negotiations, and closing. His team supports institutional and government clients with full compliance and fast turnaround.

Daniel Norwood is a seasoned real estate professional with nearly 31 years of industry experience and more than two decades specializing in REO. Since 2004, he has worked extensively with distressed assets, delivering reliable valuations, marketing, and full-service management for institutional clients. Daniel is active on major REO platforms, including Pyramid and RES.NET, and is committed to expanding his client partnerships in 2026.