THE DIRECTORY

Tom Bohlmann has specialized in real estate since 1993, focusing on REO disposition, asset management, and maximizing financial recovery while minimizing community impact. A Triangle MLS member, he delivers fast, accurate BPOs and CMAs and markets REO assets across major buyer platforms to achieve top valuations. Tom manages full asset lifecycles, including occupancy checks, evictions, trash-outs, rehab oversight, and contract-to-close execution. He is the managing member of Bohlmann & Bohlmann LLC and has been a broker with Allen Tate Realty since 2011, following roles with Coldwell Banker/HPW and Bohlmann & Holthaus LLC handling bulk REO acquisitions and dispositions.

Amy Gluch has been a licensed REALTOR® in Idaho and Oregon since 2006, specializing in foreclosures, land, and rural real estate. A Certified Real Estate Negotiator and board member of the Four Rivers Association of Realtors, she combines expertise, education, and attention to detail to deliver exceptional service. An Idaho native, Amy values helping clients find the right home in the right place.

With over 30 years in the Atlanta real estate market and more than 10,000 properties sold, Mike and his team bring unmatched experience to every assignment. He has worked with more than 100 clients—including HUD, Fannie Mae, Freddie Mac, major banks, and asset management firms—and is proficient across all major REO platforms such as Pyramid, Reotrans, and RES.NET. Backed by a comprehensive vendor network, Mike manages every aspect of property preservation, management, and disposition. Southern REO operates as a specialized team within Mike’s Century 21 franchise, serving the entire Atlanta region with proven results.

Yvonne Biederman is a seasoned real estate broker with over 40 years of experience across Texas, Maryland, Florida, and Oklahoma. Licensed since 1980 and a broker since 1984, she has owned multiple brokerages and worked with leading firms including Century 21, RE/MAX, Prudential, and eXp Realty. Yvonne is a longtime foreclosure listing agent for Shellpoint, Fay, Computershare, Xome, Altisource, Goodman Dean, USRES, Selene, and others, with more than 1,500 properties sold—most under contract within 30 days. She has completed over 3,000 BPOs for major valuation companies and maintains robust investor and buyer databases across multiple states.

Ruby Gonzalez is a real estate Broker-Owner and national industry leader with more than 25 years of experience in residential, REO, and government-owned real estate transactions. She is the Founder and President of Ruby REALTY, established in 1999 and headquartered in Cabo Rojo, Puerto Rico, leading a full-service brokerage firm with island-wide coverage. She holds multiple industry designations, including SFR, SRS, AHWD, e-PRO, PSA, and MRP, and has extensive experience in REO and asset-managed portfolios. She has served as a HUD Listing Broker since 2016 and a Freddie Mac Listing Broker since 2017, working with asset managers such as Xome, Ascribe, Franklin, Keylink/LRES Corporation, Keystone, and Altisource. Her experience includes portfolios from former Doral Bank, FDIC, Citi, Banco Popular, FirstBank, and USDA Rural Development. A BPO Specialist since 2000, she is proficient across platforms including Xome, Equator, Pyramid, Yardi, HomeSteps, Res.net, and Exceleras. Ms. González Serrano has held senior leadership roles within organized real estate, including President of the Mayagüez Board of REALTORS®, founding leadership of MIAR, and President of the PR Association of REALTORS® (2022). Nationally, she has served on the Board of Directors of NAR, also as National Director.

As an experienced REO salesperson with over 20 years of experience managing and selling REOs and short sales, Juliet Hardy is committed to providing the highest caliber of professional service in every transaction, efficiently and with integrity. She attends conferences throughout the year, including the Five Star Summit, and has completed Bob Norrell's course, "Bridging the Gap, REO Training Workshop." REO memberships include the National Association of Default Professionals (NADP), Equator, RES.NET, Radian Pyramid Platform, and REONetwork.com. Additional memberships with the National Association of Realtors and the California Association of Realtors.

Gary Altizer has been a licensed Florida Real Estate Broker since 2001 and also holds a Florida Real Estate Instructor’s License, reflecting his commitment to advanced industry knowledge and professional development. His instructor-level training keeps him current on real estate law, licensing regulations, and the evolving policies that shape lending and appraisal practices. This expanded expertise enables Gary to guide clients with accuracy, compliance, and informed insight across every stage of a transaction. Known for his professionalism and depth of understanding, he brings a balanced perspective that supports buyers, sellers, and industry partners with clarity and confidence.

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.

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.

Zandra R. Davis is a seasoned real estate professional and Broker-Owner of Phoenix Real Estate Firm, LLC, with 20 years of industry experience serving clients throughout East Alabama and surrounding markets. As a licensed Alabama Broker and Georgia Associate Broker, she provides comprehensive representation to buyers, sellers, and investors across residential, commercial, land, and development transactions. Zandra’s expertise includes new construction, investment properties, estate property sales, commercial real estate, and development consulting. She is also highly skilled in distressed and default real estate, serving as an REO Specialist and Certified Distressed Property Expert (CDPE), with extensive experience managing bank-owned properties, short sales, foreclosure solutions, and complex transactions requiring strategic negotiation and asset positioning. She is a proud member of the NAREB 2026 Cohort III Developers Academy and a member of The Black C.R.E.E.D Institute of America (Commercial Real Estate Empowering Educational Disciplines), further strengthening her commitment to commercial real estate education and development. Zandra is also a Board Member of Opelika Main Street and a Board Member of the Auburn Heritage Association, supporting economic growth, preservation, and community development initiatives. An active member of the National Association of Real Estate Brokers (NAREB) and the National Association of Realtors (NAR), Zandra’s practice is built on market knowledge, integrity, strategic marketing, and results-driven service. Through Phoenix Real Estate Firm, LLC, she remains dedicated to delivering professional representation and skilled negotiation while helping clients build and preserve wealth through real estate.

FORMER REO LISTING, MANAGEMENT, PROPERTY PRESERVATION AGENT. REAL ESTATE CEO OWNER, LICENSED PROPERTY TAX CONSULTANT COMMERCIAL, BPP, AND RESIDENTIAL PROPERTIES WITH EXPERIENCE NATIONWIDE. CONSULTANT SERVICES.

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.

Tom Marco, Broker/Owner of Tom Marco Real Estate, brings over 20 years of experience specializing in the listing and marketing of residential properties across Brooklyn, Staten Island, and parts of New Jersey. A Brooklyn native with a B.S. in Accounting from Brooklyn College, he has listed and sold more than 2,000 REO properties, including HECM and high-value assets. Tom and his team maximize client returns through targeted marketing and hands-on renovation oversight. His expertise in New York’s inner-city markets includes resolving HPD and ECB violations, illegal extensions, emergency repair liens, CO issues, and co-op board approvals.

Glenn Morrissette is a seasoned real estate professional with over 17 years of experience, specializing in REO and asset management across Florida. Proficient with major platforms including ResNet, Pyramid, and Equator, he leads his firm’s REO division with a full support staff that provides efficient, detail-focused service from BPOs to final disposition. Supported by a dependable network of construction and preservation vendors, Glenn ensures repairs, maintenance, and trash-outs are completed promptly and professionally. Known for clear communication and strict deadline management, he delivers smooth, organized results for banks, hedge funds, and financial institutions. He services Hillsborough, Pasco, and Pinellas Counties.