THE DIRECTORY

David Russell is a trusted real estate professional serving Dallas, Tarrant, Denton, and Collin counties. Known for exceptional service, attention to detail, and skilled negotiation, he brings over 19 years of experience and a proven track record of success. Since beginning his career in 2006, David has closed approximately 800 transactions totaling more than $250 million. In the past two years, he has expanded into the REO and institutional investor space, completing more than 70 transactions. His market insight, virtual transaction expertise, and innovative use of AI and social media enable clients to achieve maximum exposure, strong value, and smooth results on every sale.

With 25 years of residential real estate experience, Zac Brown specializes in listing and selling homes, foreclosures, short sales, 1031 exchanges, and multifamily properties. A skilled negotiator and valuation expert, he delivers maximum value with efficiency and precision. Zac’s client-first approach ensures every buyer, seller, and investor receives personalized guidance tailored to their goals—whether purchasing a first home, securing an investment, or planning for retirement. Known for his professionalism, market insight, and commitment to results, Zac’s mission is to make each transaction smooth, successful, and rewarding, helping clients confidently navigate one of life’s most important financial decisions.

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.

Michael Madulka has been licensed since 1986 and is currently licensed in Massachusetts, Connecticut, Rhode Island, and Florida. He brings extensive experience in REO, short sales, fair-market resales, and flips, delivering high-quality BPOs, strong marketing insights, and full contractor and utility coordination. Michael provides complete accounting services, funds advances, cash-for-keys negotiation, tenant interaction, and property preservation compliant with local codes. With a 110% list-to-sale price ratio, he is certified on Pyramid Platform, RES.NET, Equator, and HUD, and holds numerous industry designations. His clients include VA (VRM), FHA, Freddie Mac, HUD, Selene, Fay, USRES, LPS, and more.

Brent Hawker is a former Aerospace Engineer turned second-generation Real Estate Broker, first licensed in 2004. He launched his REO career in 2008 with Carrington’s Atlantic-Pacific Division before founding Hawker Real Estate, Inc. and Hawker Property Management. Brent now serves as the California Managing Broker for GenStone Realty, bringing extensive expertise in REO, asset management, and property operations. He remains actively involved in industry education, attending events such as the Five Star Summit and completing Bubba Mills’ REO training. Brent’s professional memberships include NADP, Equator, RES.NET, Radian Pyramid Platform, REONetwork.com, NAR, CAR, and multiple MLS organizations statewide.

Sam Hantosh is a Michigan-based real-estate broker with nearly two decades of experience with a diversified specialty in resale, acquisitions, dispositions, and a reputation for high-service client focus.

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.

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.

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.

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.

With over 20 years of experience in the real estate industry, Steven Zagaris is a dedicated and knowledgeable professional committed to delivering exceptional service and results. He specializes in short sales, real estate owned (REO) properties, new home sales, and property management. Steven’s hands-on approach, market expertise, and strong negotiation skills ensure his clients receive the highest level of support through every stage of the transaction. Driven by integrity and a passion for helping others achieve their real estate goals, he continues to build long-term relationships based on trust, performance, and proven success.

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.

John Hoffman has been in the REO business since 2007 and is currently an active REO broker for Fannie Mae, as well as a broker for the Kane County Reinvestment Program. He has a full team that can handle even the toughest REOs, along with funds available for repairs and utilities. He also maintains a retail side to his business to sell REOs more quickly.