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Building wealth and visibility for real estate professionals and businesses alike Executive Agent Magazine, builds visibility for real estate professionals and associated businesses through original and thought provoking feature stories. Each issue showcases extraordinary real estate professionals who are breaking new ground and accomplishing exceptional goals in the local real estate industry.

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A History of Success

By Lalaena Gonzalez-Figueroa

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or nearly 50 years, the family of professionals at Conrad & Associates, Realtors® have offered their clients exceptional representation in a range of residential and commercial real estate transactions. The firm has become a staple within their community, respected for their market knowledge and appreciated for the outstanding level of service that they provide. Consistency has been a key to the company’s success; despite the cyclical nature of the real estate industry, Conrad & Associates are unwavering in their client-centric approach.

There’s no denying the increased level of consumer savvy brought on by the advent of technology in real estate. Despite this, notes Jeremy Conrad, buyers and sellers still require the expertise of licensed Realtors®.

“People really need our help,” he observes. “While infor-

mation has become more readily available to consumers, the complexities associated with real estate and lending transactions have also increased. We are knowledgeable and experienced, acting as advocates and resources for our clientele.”

Their long-standing history is a testament to the quality of services and personable care that the agents at Conrad & Associates offer. Jeremy and his brothers Bill and Steve, along with their father Bob, uphold the philosophy of Bob’s father George Conrad, who founded the brokerage in 1963. “As an independent brokerage, we are focused on meeting the needs of our regional customers,” says Jeremy. “Our intimate knowledge of the local market and our boutique-style firm allow us to be responsive and in-tune with the communities we represent.”

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Jeremy Conrad They have achieved longevity through adaptation.

By successfully incorporating the technological tools and systems necessary to stay current on a changing market, the Conrads have ensured that they remain up-to-date on trends and developments within their industry. What hasn’t changed, though, are the longterm relationships they’ve cultivated with clients and colleagues. Online property information is only part of the bigger picture, notes Jeremy. “We are constantly studying the inventory within our marketplace, previewing properties and networking with agents to stay abreast of what’s available and up-andcoming for our clients.

Jeremy and Bill have expanded beyond their regional market, networking with outstanding agents nationwide thanks to their participation in the Mike Ferry Organization. Through real estate coaching, notes Jeremy, the team has gained a more comprehensive understanding of how to better meet the evolving needs of their clientele. “We are continuing to expand our industry knowledge, closely following trends in the areas that impact our customers,” he explains.

In order to best meet the needs of an incredibly diverse consumer base, Conrad & Associates has expanded their firm to include a fullservice property management division. Headed by Steve Conrad, the business handles an array of arrangements from single-dwelling leases to large apartment buildings. Though the company has, throughout the course of its history, handled the occasional client’s property management needs, there came a point when the Conrads realized they had the experience, knowledge and manpower to create a standalone division within the firm. “Our clients needed a higher level of representation than they were receiving from other companies,” Jeremy notes. “In 2007 Steve took the reins and has been very successful in building our property management business.”

At Conrad & Associates, meeting the needs of clients has also meant working with REO and distressed properties. Their long-standing relationships with businesses and residents have enabled the Conrads to assist individuals in acquiring bank-owned properties and in negotiating successful short sales. “It’s not an easy time for many people, but we do what we can to alleviate their stress and anxiety,” Jeremy explains.

He and his partners are highly adept at capitalizing on opportunities for equity sellers and buyers as well, from first-time buyers to sellers of multi-million dollar properties. Based in San Clemente, the Conrads specialize in the South Orange County coastal region and surrounding communities. They have also found a niche market through an alliance with Sportstar Relocation, which works with professional athletes whose moves are prompted by team changes. Every client, notes Jeremy, benefits from the Conrad & Associates promise of exceptional and knowledgeable care.

Their family dynamic is one that cannot be replicated.

The Conrads operate their business with the vision that has defined their brokerage from its inception. 2011 was a productive year for Jeremy, with a record 65 transactions closed. And Jeremy indicates that he is ready to repeat his performance.

“We’re staying positive and focused on business,” he remarks.

“We look forward to continued success in the years to come.”

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Jeremy Conrad Conrad & Associates, Realtors® 1000 South El Camino Real San Clemente, CA 92672 Telephone: 949.492.9400 jconrad@conradrealestate.com www.conradrealestate.com

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Michelle Queyrel

By Lalaena Gonzalez-Figueroa

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ynamic, resourceful and in tune with the regional market, real estate professional Michelle Queyrel has cultivated a thriving business throughout Orange County. A graduate of the University of Southern California’s Marshall School of Business, she excels in developing solid relationships with her clientele, who appreciate her knowledge and her hands-on approach.

She has achieved remarkable results thanks, in great part, to her straightforward business style. “In order to establish trust-based relationships with my clients, I’m obliged to tell them the truth,” she reveals candidly.

“It is imperative to me that my clients feel comfortable

entrusting their largest assets to me, and I achieve that trust through honest and direct communication.”

Her forthright approach has propelled Michelle to become a highly-accomplished professional who has consistently bucked market trends. She closed over $10 million in sales in 2011 and represents the highest-priced listing in Orange County in 2012, a stunning $37 million custom home recognized as 1 Pelican Hill Road North.

Her commitment to customer care and unwavering drive to achieve her clients’ goals has enabled Michelle to build a steadily-growing base of customers, who appreciate her fresh attitude toward the business of real estate.

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A Fresh Approach Michelle thrives under pressure, regularly seeking solutions to challenges and maintaining a proactive approach to her responsibilities.

“Sometimes, particularly with a home that has been on the market for a while, a real estate professional can come along and identify new branding or marketing opportunities that will make the difference,” she observes. “That’s where I excel, and HÔM Real Estate Group offers the support and resources I need to accomplish my clients’ goals.”

HÔM Real Estate Group has established itself as an innovative brokerage designed to meet the needs of a broad client spectrum. In addition to offering a wealth of technological systems and exceptionally-crafted print and online marketing and advertising campaigns, the firm is also well-positioned to work with buyers and sellers around the world. The company has cultivated a strategic alliance with Sotheby’s International Realty, joining a distinguished network of luxury and high-end real estate brokerages. “It has been a fantastic move, increasing our international exposure while allowing us to maintain the brand and business we have so successfully built,” notes Michelle.

“There is so much more to a property than the number of bedrooms or its square footage.”

Representing the real estate needs of high net-worth clients presents a unique set of responsibilities and challenges, and Michelle skillfully negotiates every element of her transactions. “I’m there with my clients from start to finish,” she asserts. “From twelve-hour photo shoots, to showings and negotiations, I am the person handling the important details associated with a sale transaction.” Her diligence, she explains, allows her to better communicate with other parties involved in the process. Michelle is adept at working with professional partners, financial planners, attorneys and trustees, and maintains collaborative relationships with individuals in order to accomplish successful closings.

In an industry where technology has facilitated an abundance of information for consumers, the savvy real estate professional understands how to consistently add value to each client’s experience. This is where Michelle shines. “The MLS only provides so much information,” she reveals. “There is so much more to a property than the number of bedrooms or its square footage. It can be time consuming to attempt to navigate available properties, and dealing with disclosures and contracts can have serious financial consequences.”

She adds, “My role is to provide my clients with the information that is critical to their decision-making process, to aid them in identifying the type of property and the community that are best suited to their lifestyles and their criteria.” A skillful negotiator, Michelle maintains her clients’ short-and long-term objectives at the forefront of her actions. “I strive to earn my clients’ business,” she states. “My work consistently goes beyond a given transaction.”

Michelle’s region of expertise includes Newport Beach, Newport Coast and Corona del Mar. She works with buyers, sellers and investors. In a challenged industry, it becomes immediately obvious who is destined to survive. Michelle’s positive attitude and solid business acumen have enabled her not only to weather the market’s storm, but to thrive. She looks forward to the continued opportunity to assist her clients in accomplishing their real estate-related goals.

Michelle Queyrel HÔM Real Estate Group 1200 Newport Center Drive, Suite 100 Newport Beach, CA 92660 Telephone: 949.632.1618 michelleq@homgroup.com

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OC NAHREP

Seated first row from left to right: Albert Del Rio, President; Juan Salas, President Elect Seated second row left to right: Carmen Delgado, Tina Marie Estrada, Charles Armijo Third row from left to right: Felix Duarte, Louis Pacheco, Dan Perez Last row from left to right: Greg Fonseca, Sean McDowell, Cristian Correa, Gerry Fernandez Board Members not in picture: John Macias, Bill Lawton

By Lalaena Gonzalez-Figueroa

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on’t be fooled by their name: The National Association of Hispanic Real Estate Professionals (NAHREP) isn’t an organization that operates with cultural limits. While it was founded in order to increase the rate of sustainable Hispanic home ownership, NAHREP serves the professional real estate community at large through education and

outreach. There are no language barriers: everyone speaks real estate. In Orange County, NAHREP’s presence continues to thrive thanks to a solid leadership team and an expanding network of industry-related specialists. Looking to cultivate business and expand opportunities for your clientele? Consider the benefits of becoming an active member of NAHREP.

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The National Association of Hispanic Real Estate Professionals Limitless Possibilities Connect Through multiple events each month, OC NAHREP members have ample opportunities to network in professional and social settings. “Our members are a fun group,” remarks President-Elect Juan Salas. “We enjoy the ability to connect at a range of functions, where collegial relationships are developed and people have the chance to connect on a number of levels.” Educational seminars and conferences are tempered by social mixers and events; members of OC NAHREP are privy to a calendar of educational and entertaining happenings each month.

The relationships forged by OC NAHREP members extend beyond monthly meetings, notes Salas. “I have had the opportunity to successfully negotiate transactions for my clients thanks to my connections with other NAHREP agents,” he says. “We have created a really strong network of professionals who share similar goals and values, and we enjoy working together.”

Learn In order to successfully accomplish its mission of facilitating home ownership for the Hispanic community, NAHREP is committed to empowering and educating all industry-related specialists. As the business of real estate continues to evolve, the organization remains dedicated to providing its members with updated and pertinent information. “This year we will adhere to our goal of offering top-notch education to our membership,” states Salas. “We wholeheartedly believe that, the better educated real estate professionals are, the better they can service consumers attempting to navigate a turbulent marketplace.” Indeed, as transactions become increasingly complex, education has become a focus for specialists in every aspect of the real estate industry.

Share Like their national counterparts, the members of OC NAHREP are committed to improving the lives of others. As industry professionals, they serve as advocates to Hispanic and other minority consumers, who may otherwise find themselves at a disadvantage in real estate transactions. It’s a win-win situation, notes current president Albert Del Rio. “In Orange County, the Asian and Hispanic population are buying homes at a faster rate than their Anglo counterparts. It makes sense to provide them with opportunities to succeed in real estate.”

NAHREP members advocate for ongoing homeowner success through community outreach and professional networking, and by lobbying their political leaders.

“We maintain productive communication with the California Association of REALTORS® and the National Association of REALTORS®, particularly when we plan our annual trip to Washington,” remarks Del Rio. “While NAHREP is focused on the needs of Hispanic and minority homeowners, we strive to achieve a unified voice with other organizations in order to best communicate and advocate for our population of consumers.”

Join Real estate agents and industry-related service providers of all nationalities are welcomed at OC NAHREP, where the focus is on cultivating success for a range of consumers and professionals. They come from diverse backgrounds and all walks of life, but what members have in common is their enthusiasm and motivation. “Success breeds success,” observes Felix Duarte, Vice President of Membership. “There is something so energizing about connecting with others who are focused on something bigger than themselves. We are continuing to grow, and it’s an exciting process.”

NAHREP offers local, regional and national seminars addressing timely topics including how to represent firsttime buyers, steps in representing HUD properties, tips for negotiating REO, bank-owned and short sale transactions, and creating opportunities for individuals with different levels of purchase power. “In every class and seminar, we aim to help agents and other professionals improve their skills and build their knowledge,” says Gerry Fernandez, OC NAHREP’s Vice President of Public Relations.

“By empowering our members, we are creating a solid foundation upon which successful transactions will be built.”

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NAHREP Orange County 161 Fashion Lane, Suite 207 Tustin, CA 92780 www.OCNAHREP.org Telephone: 877-624-7371

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Debra Kovacs ExecutiveAgent Magazine

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“There is no secret to success, it’s hard work, adaptability and a commitment to meeting your clients’ needs.”

By Lalaena Gonzalez-Figueroa

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s a real estate professional who continues to successfully navigate one of the most challenging markets in recent history, Debra Kovacs is constantly asked, “What’s your secret?” She never hesitates in her answer. “There is no secret to success,” she asserts. “It’s hard work, adaptability and a commitment to meeting your clients’ needs. As our market and industry continue to shift, smart agents are amending their businesses accordingly.

Those of us who have remained in the industry are here because this is our career, not a job.”

Debra knows plenty about working beyond the traditional 9-to-5 model. Before dedicating herself to real estate she owned and ran a complete design center for over a decade.

From new home interiors and retail schemes to staging and decorating model homes, she worked closely with clients to assist them in creating unique spaces that reflected their lifestyles. And as a real estate professional, she taps into the very skills that helped her build a thriving design business.

“Real estate is a complex industry,” observes Debra.

“While incorporating and utilizing technology is essential, this business is still about people, about relationships.” She makes a point of engaging in face-to-face meetings with her clients at the onset of any transaction because, says Debra, “Why would someone entrust me with one of the largest investments in their lives if we can’t actually sit down and talk to each other?” Building a strong level of communication is critical, she explains, particularly when issues or challenges arise. “I’m direct and straightforward with the information I present to my clients,” Debra notes. “It is important to me that they have the knowledge they need to make the right decisions for themselves and their families.”

As a longtime resident of Coto de Caza, Debra is intimately familiar with the community’s resources and amenities. Her ability to pair clients with neighborhoods that meet their lifestyle criteria adds immeasurable value to the level of service she provides. “It’s convenient, particularly for individuals who are coming in from other regions, not to have to research every detail of the community,” she explains. A top-producing agent who has ranked #1 within the CENTURY 21 Superstars system in South County for over 10 years, Debra notes that her consistent production belies a deeper understanding of the market trends within the region. “I’m constantly showing and selling homes,” she states. “I have a strong working knowledge of market values and trends, and use that information to best position my clients in their real estate transactions.”

Achieving status as one of the region’s most successful real estate professionals doesn’t happen without exceptional

support. Debra’s assistant has been a part of her business for a decade. “My team is an extension of me,” she offers.

“In every aspect of my business, I work with individuals who offer the utmost in client care. This ensures that my clients’ needs are consistently being met.” Throughout the transaction, she adds, Debra takes the lead on communication and negotiation, utilizing her experience and extensive network of colleagues and industry-related specialists to facilitate a smooth and successful experience.

Sam Ellsworth, Vice-President Loan Production of Trust One Mortgage Banker, indicates that Debra Kovacs is one of the best agents I have ever had the pleasure of working with in my 20 years in Residential Lending ! “From her dedication to her clients and her incredible work ethic, Debra is truely one of the top Real Estate agents in Orange County!”

In order to best meet the diverse needs of her clientele, Debra remains committed to ongoing education and utilizing the vast resources available through CENTURY 21 Superstars, the brokerage that launched her real estate career. “This company has stood by me for over eleven years, supporting me in building my business and offering my clients the best possible care,” she asserts. “In addition to an in-house marketing department, strong relocation division and the convenience of in-house escrow, I am also privy to the knowledge and experience of an incredible management team. The support and resources available through CENTURY 21 Superstars have been integral components to my success.

Debra is adept at working with a range of transactions including high-end and luxury home sales, REO and short sales, and relocations. Strong online and print marketing campaigns include beautiful photography designed to showcase each home’s unique beauty. In addition to her top-producer status within her brokerage, she has also earned recognition as one of CENTURY 21’s top-10 agents worldwide.

After over two decades of real estate, Debra reveals that what keeps her energized and enthusiastic is her passion for her work. “Selling houses and helping others is so rewarding,” she enthuses. “When you are passionate about your work, when you enjoy what you do, everything falls into place.”

CENTURY 21 Superstars 22342 Avenida Empresa, Suite 150 Rancho Santa Margarita, CA 92688 Telephone: 949.350.0146 DebraKovacs@cox.net www.DebraKovacs.com

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Heather Hosto ExecutiveAgent Magazine

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Professionalism Yields Results

By Lalaena Gonzalez-Figueroa

hen she sets her sights on a goal, there’s virtually nothing that will deter Heather Hosto from accomplishing her objectives.

As a locally-based real estate professional with an insider’s knowledge of the markets she serves, Heather is a dedicated advocate for her clientele, which includes equity buyers and sellers, investors and individuals looking to purchase distressed properties. Her business acumen has been recognized by one of the area’s most prestigious real estate brokerages; in 2011 Heather joined the McMonigle Group, and looks forward to offering her clients a new level of support and customer care.

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Prior to earning her license, Heather proved her mettle as a salesperson at Fletcher Jones Motor Cars, where she consistently held a position among the top 10% of sales volume. Her business, she notes, was primarily referraldriven. “I recognized that product knowledge alone wasn’t enough,” she recalls. “In order to maximize the experience for my customers, I tailored my approach to meet their needs.” Working with families, she cultivated a kid-friendly environment that earned her clients’ loyalty. “By connecting with my customers on a personal level, I was developing long-term relationships that led to repeat and referral business,” she explains.

Though Heather was successful in her sales position, she found that her inflexible schedule didn’t promote a balanced life. As the mother of five children she sought a career that would enable her to continue to connect with clients, but allow her the opportunity to enjoy her family as well. She moved into a position as a mortgage representative, eventually opening a company that housed upwards of 20 employees. Despite her success Heather missed the one-on-one customer contact, the opportunity to connect on a personal level with her clientele. When the time was right she transitioned into real estate where she has built a thriving, client-centric business.

As a member of one of Orange County’s most distinguished group of real estate professionals, Heather represents the utmost in standards of market knowledge, business acumen and client care. Hand-picked by John McMonigle, she is thrilled to be a part of his team.

“The core values at McMonigle Group are aligned with my own,” she states. “I believe that gaining the trust and respect of clients and colleagues is paramount in this business. My objective in every transaction is to accomplish my clients’ goals effectively and efficiently, with an emphasis on facilitating a positive and stress-free experience.”

Her thorough and intimate knowledge of the markets she serves make Heather an invaluable resource to individuals looking for homes throughout Newport Beach and Orange County. She maintains an active presence in the real estate community, attending broker previews and connecting with colleagues in order to stay current with market trends and changes. And while her clients appreciate Heather’s knowledge, it is in developing relationships that her skills truly shine. “I genuinely enjoy the process of learning about my customers, understanding their wants and needs and discovering how I can assist them in matching their homes to their lifestyles, and provide support throughout the transition process,” she reveals, adding that the collegial network and wealth of resources available through McMonigle Group contribute significant value to the process.

“Our team structure allows us to provide additional support to agents and their clients,” Heather observes.

“We are supported by a highly-skilled transaction coordinator, and an exceptional marketing director who designs amazing print and online campaigns for our clients, and a tremendous network of industry professionals worldwide. Our clients are our priority, and we do everything in our power to ensure that they experience successful transactions.”

In a transitioning market, it is imperative that real estate agents adapt to the changing needs of their customers. Heather’s professional commitment is reflected in her pursuit of continuing education, and her ongoing interest in exploring effective and innovative marketing opportunities. “I am always looking for ways to improve the process and maximize results for my clients,” she explains.

While real estate is her professional priority, Heather maintains a balanced life by dedicating time to her family and church as well. Energetic and upbeat, she is driven by faith and the love of her husband Jeff Hosto and her children. Hard working and sincere, Heather has found success through an honest and trustworthy approach to business. She looks forward to ongoing professional growth, and to continuing to assist her clients in achieving their real estate goals.

Heather Hosto McMonigle Group 1000 Newport Drive Newport Coast, CA 92660 Telephone: 949.500.7576 Heather@McMonigleGroup.com www.McMonigleGroup.com

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Building New Levels of Business

By Lalaena Gonzalez-Figueroa

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s a non-originating manager with Wells Fargo Home Mortgage, J.J. Ballesteros employs years of experience in the real estate and lending industries to support his loan officers in building their businesses. With a focus on providing an exceptional

In an industry that has experienced an unprecedented amount of change, J.J. notes that Wells Fargo remains focused on the long-term success of its partners and clients. “When the promise is clear, the price is easy,” is a favorite Jim Rohn quote he often draws from. “We have set our goals, and maintain a clear vision of the objectives we want to accomplish. While the mortgage industry is scheduled for even more regulatory change this year, we remain focused and committed to providing our clients with a first-class experience on every transaction.”

The consumer has always been a focus at Wells Fargo, but J.J. notes that in 2011 the “customer experience” is a core initiative. “If every consumer understood how much Wells Fargo cared about them, we would probably have 100% market share. It starts from the top of the company and filters all the way down to each of its employees.”

As mortgage overall is transitioning back to a purchase market, the greatest demand on lenders continues to be honoring a 30 day escrow. One example of Wells Fargo’s new level of client care is their “Close On Time Guarantee.” The company promises its customers that if a closing is delayed due to internal errors, Wells Fargo will make the first month’s principle and interest payment.

“That’s just one of the ways that we are adding value to our real estate partners and borrowers,” says J.J.

J.J. BALLESTEROS consumer experience, Ballesteros appreciates the opportunity to work with a growing group of driven professionals in a supportive and forward-thinking environment.

Prior to taking on the role of Branch Manager in Huntington Beach, J.J. acted as Sales Manager for a Wells Fargo Joint Venture within Orange County. His current team includes a mix of 8 senior and 7 junior loan officers, and looks forward to continuing to add to the group.

“We are always excited to bring on new team players, individuals who are focused on purchase business as well as bank business, and who understand the importance of developing long-term relationships with real estate professionals as well as their clients.”

In the midst of continued change and challenge, the team at Wells Fargo Home Mortgage has taken on a greater sense of accountability throughout the entire lending process. “From loan officers, to the fulfillment partners who underwrite loans, to management, we all share a common philosophy,” says J.J. “Simply stated, our clients come first.” Ongoing and open communication within the organization and between customers keeps all parties connected and updated throughout every transaction. Proprietary systems, including preliminary and post-transaction questionnaires, maintain efficacy and accuracy throughout the process, and measure customer satisfaction upon closing. “Not everyone is as detailed in their communication efforts,” J.J. notes. “We have found that our proactive approach has been highly effective in consistently identifying potential problems and avoiding unexpected delays.”

Another key element of the customer focus includes an emphasis on education and knowledge. It’s called “information-based marketing,” and it empowers clients to make the best decisions for their unique needs.

In addition, Wells Fargo Home Mortgage Consultants receive several inquiries a month from prospective buyers

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Quy Huynh 714-856-7378

Tammy Colangelo 714-969-1499

My Hoang 714-356-8991

Jenn Levin 714-904-9424

Mark Brown 714-241-1251

Robert Rabano 714-906-8824

Mary Lee 714-593-5042

Kathy Niemczyk 714-593-5067

from the company’s website as well as direct calls.

Many of these first time homebuyers are not working with a realtor. This is one of the ways we can give back to our real estate partners. “We are not simply asking agents for their business,” states J.J. “At Wells Fargo Home Mortgage, our focus now, more than ever, is on developing partnerships with real estate agents and helping them grow their business.”

Home Mortgage Consultants from J.J.’s branch are actively involved in local organizations and groups including OCAR®, Chamber of Commerce, AREAA and the NAHREP. The team is culturally diverse, and includes individuals fluent in Spanish and Vietnamese.

“I am developing a team with the knowledge, skills and desire to meet the needs of the communities we serve” says J.J.

J.J.’s branch is in the processes of moving to a new office targeted for the Bella Terra Towers. The new location will be central to the bank branches and real estate communities it services which include Westminster, Garden Grove, Seal Beach, Fountain Valley and Huntington Beach.

From loan officers who desire to take their businesses to new heights, to real estate consumers searching for the right financial options, Wells Fargo Home Mortgage continues to grow and expand, to offer innovative solutions to the market challenges of today and tomorrow.

“Ultimately, people don’t care how much you know until they know how much you care,” says J.J. This includes realtors, clients and employees. “The customer experience will always be the priority at Wells Fargo.

Internally, we offer unlimited growth potential and a platform for personal and professional development.

Our customers benefit from working with dedicated and knowledgeable individuals who are backed by exceptional resources and technological support.”

Wells Fargo Home Mortgage 19126 Magnolia St. Ste. 201 Huntington Beach, CA 92646 Telephone: (714) 593-5051 Joseph.J.Ballesteros@wellsfargo.com

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By Lalaena Gonzalez-Figueroa

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or over 100 years, Ticor Title has built a tradition of offering exceptional customer service backed by a solid financial foundation. As the needs of today’s real estate clientele continue to develop and expand, Ticor will continue to amend its business model accordingly. When Ticor Title launched its Major Accounts Division, it began with a national platform offering clients a single point of contact for transactions throughout the United States. The National Operation is led by Vice President Neil Torquato; the division features an experienced and knowledgeable group of professionals who offer their clients the utmost in customer care.

Neil Torquato, a native of Southern California, taps into years of sports training in his leadership role within Ticor. “I have played on teams all my life,” reveals the USC graduate and lifetime member of the Trojan Football Alumni Association. “Whether you are coaching or taking directions, you must capitalize on the individual strengths of all of your players.” His own team of Ticor specialists, states Neil, is secondto-none in performance, knowledge and attitude. “We have worked together for nearly a decade,” reveals Neil.

“Our aim is to find solutions to any challenges that may arise, and our customers shouldn’t have to worry about looking for answers; we work to achieve their trust in knowing that we will be there when they need us.”

It is this can-do attitude that earned Neil the opportunity to head the Major Accounts Division from its inception, and it is a responsibility he values and enjoys. “After over twenty two years in the industry, I appreciate the ability to offer this level of service to our clients, which service is backed by the resources and reputation that Ticor Title and Fidelity National Financial provide,” he states.

While exceptional customer service and Ticor Title’s cutting edge technology provide a strong foundation for the Major Accounts Division, the group has also expended considerable effort in amassing the information necessary to successfully facilitate closings across the country. It has been no easy feat; explains Neil, “Every county within the United States has a distinct mode of operation when it comes to the real estate and title processes. Over the years, my team has created a substantial reference guide detailing the unique needs of markets across the country.” The laborious effort, he adds, is an ongoing process. “As laws and regulations

change, we are constantly amending our literature to ensure that we are on top of the latest requirements in residential and commercial real estate transactions.”

As real estate agents and their clients expand into markets outside of Southern California, says Neil, they can be assured that the Major Accounts Division will continue to offer the exceptional service and ongoing communication that have become synonymous with Ticor Title’s brand.

“The Major Accounts Division strives to be sought after and accountable resource for our diverse clientele, which include real estate professionals, REO agents and firms, national lenders and credit unions,” says Neil.

“Our team is seasoned, with experience in the real estate market and our own industry. This allows us to better assist our clients as they navigate challenges, and to more effectively communicate on their terms.”

Ticor Title’s Major Accounts Division utilizes cutting edge technology and proprietary software to maintain ongoing communication with clients and points of contact throughout the nation. “Thanks to our advanced systems, we are able to confidently act as catalysts for important transactions around the country,” says Neil.

“We make it as easy as possible for our clients to track business, regardless of where it is occurring. It is not easy to find a locally based title company that can offer the same assurance and security.”

Billing his division as a “one stop shop,” Neil notes that his Major Accounts Division features title and escrow professionals who share a common goal; which is to facilitate a successful experience for their customers. “We provide a friendly voice, a positive response, and title solutions,” he says. “We take pride in caring for our clients, and look forward to continuing to build our division as our customers expand their businesses.”

Neil Torquato, Vice President Ticor Title, Major Accounts Division Telephone: 949-278-0118 neil@ticortitle.com www.ticormajoraccounts.com

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Kerry Ryan, Pat Frank, Jon Shrum, Pam Johnson and Jeff Toomire

By Lalaena Gonzalez-Figueroa

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or over a decade, mortgage specialist Jon Shrum has developed a substantial base of repeat and referral clients thanks to his commitment to cultivating long term relationships and working closely to identify and meet each individual’s financial needs.

The dedication with which he has built a thriving career has led Jon to Primary Residential Mortgage, Inc., a nationwide company that is funding, on average, approximately $4.6 billion annually. With on-site documentation, underwriting and approval, Primary Residential Mortgage offers its clients an incomparable turnaround experience and an array of packages and products designed for residential clientele at every level of real estate. Its success is exponential, and the firm is poised for continued growth.

Jon launched his career in the lending industry with a boutique mortgage company, eventually acquiring partial ownership in the firm. An acute sense of business told him that the company’s internal systems, which relied heavily on Web-based leads, weren’t conducive to the cultivation of long-term client relationships. A natural problem solver, Jon took it upon himself to identify and implement an outreach campaign in which he marketed his services to area real estate agents. “My business took off,” he recalls. He eventually relocated to a large lender, but was again unable to identify an opportunity to conduct business the way he best saw fit. “Institutional banks may offer mortgages, but they have so many other products and programs,” he observes. “My aim was to work with a firm that would offer me the resources and support to focus solely on the mortgage business.” Despite this, Jon became a consistent top producer and continued to build his client base.

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“We want our clients to have positive experiences with us, because our business is grown primarily through repeat and referral customers.”

In 2010 Jon joined Primary Residential Mortgage, a privately-held company whose sole mission is to pair real estate consumers with lending packages and products. Since then, he says, business has bloomed.

“I have had the opportunity to build an amazing team of professionals with Primary Residential Mortgage, and am offering my clients wonderful opportunities and an unparalleled level of service.”

His group includes mortgage professionals with at least a decade of experience each, as well as internal coordinators who facilitate smooth and efficient transactions. “My team members collaborate on every transaction to streamline and control the entire process,” reveals Jon. “We have a decision available within seventy two hours, and can close a loan in as few as fifteen days.”

Primary Residential Mortgage offers an array of products including FHA, conventional and jumbo loans.

Non-seasoning loans are available for individuals seeking to rehabilitate properties, and there are opportunities for individuals with challenged credit to obtain reasonable home loans as well. “If we can’t put someone into a loan, it can’t be done,” asserts Jon. “We have access to a great wealth of resources, and continue to evaluate the needs of our consumers in order to provide them with the products they want and need.”

Jon’s client-centric approach drives his business, and his company’s model is right on par with that.

With his preferred industry partners he regularly holds seminars and classes for first time buyers and current homeowners, providing them with the information they need to understand an evolving lending industry.

Through a “Lock and Shop” product, prospective buyers can lock into a loan product for 60 days as they search

for their homes. “If interest rates drop, we’ll lower our customers’ rates up to three times within that period,” notes Jon. “And because the product is attached to the consumer rather than to a specific property, our clients can, within the designated time period, make an offer on a different home if the original transaction falls through.”

Exceptional communication is Jon’s forte. He and his team work closely with their clients from the first point of contact, understanding of their specific needs even as those needs adapt and change. The team develops collaborative relationships with industry colleagues as well, keeping all parties involved updated with pertinent information throughout the course of a given transaction.

“Communication is key,” Jon acknowledges. “We want our clients to have positive experiences with us, because our business is grown primarily through repeat and referral customers.”

Developing a solid foundation with consumers, Jon and his team provide the information and options his clients need to successfully achieve home loans. He looks forward to continuing to building his business with Primary Residential Mortgage, where the focus is solely on real estate lending.

Jon Shrum, Branch Manager Northern Orange County Primary Residential Mortgage, Inc. 2100 Main Street Irvine, CA 92614 Telephone: 877.677.6858 jshrum@primeres.com www.primeres.com NMLS # 335447

Licensed by the Department of Corporations under the California Residential Mortgage Act.

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Alan Cipolletti Your Local Mortgage Specialist

By Lalaena Gonzalez-Figueroa

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or over 23 years, mortgage professional Alan Cipolletti has served as an integral component of thousands of Orange County real estate transactions. A strong focus on customer care, coupled with his commitment to maintaining up-to-date market knowledge, enables Alan to provide his clients with exceptional service throughout every transaction.

After earning a degree in Finance from San Diego State University, Alan was accepted into a rigorous training program with a Newport Beach mortgage firm in 1987. His understanding of big-picture finances enabled him to build longterm relationships with his clientele, who appreciated Alan’s ability to understand how their real estate investments fit into their financial portfolios.

Alan has worked as the Lake Forest branch manager for MetLife Home Loans since 2008, after having spent 15 years with First Horizon. An emerging powerhouse in the business of home loans, MetLife boasts over 150 years in the insurance industry, offering clients the stability of a company with an enduring history and worldwide name recognition. Though change was inevitable, Alan’s exceptional service proved a constant factor in his business.

“Experience makes the difference,” he says of his success. “Though I’ve been in the business for over twenty years, it’s unbelievable how unique every transaction is. I learn something new from every loan, and I utilize what I’ve learned in order to facilitate a smoother process in the next transaction.” He explains, “You wouldn’t want to go to an inexperienced doctor for even a cookie-cutter surgery, and you wouldn’t want an inexperienced loan officer to handle the biggest purchase in your life. Every person is working with a distinct set of circumstances, and I tailor every loan package accordingly.”

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Alan works with his clients on an array of loan products including conventional, FHA, jumbo, builder loans, and a special program for members of the California State Teacher’s Retirement System (CalSTRS). As an experienced mortgage professional he understands the importance of ongoing communication, accurate information, and a comprehensive approach. Through MetLife’s Home Loans’ LoanTracTM program, Alan and his clients have access to loan information throughout every step of the transaction, which keeps all parties updated and prepared. He works with a local team that includes in-house processor Geri Nelson, who provides invaluable support throughout the loan process. “Working together, we go through every loan with a fine-toothed comb,” he reveals. “Our aim is to make the experience as smooth as possible for our real estate partners as well as our consumers.”

His successful business has been built upon a foundation of attentive care. “I understand that real estate agents need to work with a mortgage professional who is available,” explains Alan. “I return e-mails promptly, answer my cell phone at all times, and am proactive in disseminating important new information to the agents I work with. Ultimately, the service I provide has a direct impact on how their customers will evaluate them, and I strive for the highest level of care.”

While Alan is committed to his professional endeavors, he is also a dedicated husband and father. Outside of work he enjoys spending time with his family and coaching his sons’ soccer teams. He looks forward to the opportunity to continue to build his business, helping his clients achieve their real estate goals.

Alan Cipolletti, Branch Manager II MetLife Home Loans 23201 Lake Center Dr., #101 Lake Forest, CA 92630 Telephone: 949-206-2231 acipolletti@metlife.com http://www.alansloans.com

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“The Boulevard Title Team”

By Lalaena Gonzalez-Figueroa

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hey each come from families whose histories are steeped in the real estate industry, and Heather and Travis Olsen discovered independently that they, too, were well-suited for the rigors of the business.

Experienced, knowledgeable and focused on providing exceptional client care, Heather and Travis have cultivated reputations as trusted resources for their diverse clientele. Joining forces has only strengthened their business model; the duo often teams up to offer their customers the utmost in attentive, personalized service.

Travis and Heather Olsen

“I always knew I’d work in title,” reveals Heather, who launched her career in 2004. The daughter of a top-producing title salesman, she displayed a strong work ethic early on. Though she tried her hand at a more traditional workplace environment, the lure of an entrepreneurial lifestyle was too strong for the tenacious gogetter to resist. Fresh out of college, she excelled in the field, increasing her territory’s production levels to match those of higher-producing regions. “I worked eighteen to twenty hours a day,” Heather recalls. “My dream was to work on The Boulevard, and I did what it took to make it happen.” Her efforts also earned Heather the coveted “Rookie of the Year award.”

Like Heather, Travis is the son of an accomplished title sales representative. Though he wasn’t acutely aware of it at the time, Travis recalls that his father instilled in him a sense of salesmanship at a young age. “I didn’t realize it until years later,” he reflects.

“But my dad always encouraged me to create relationships steeped in respect. No matter where we were, I was taught to acknowledge others, to shake their hands and to check in with them.” Those relationship-building skills have only been strengthened by years of practice; today Travis’ business model is steeped in a genuine desire to connect with and assist his clientele, whose interests drive his professional activities.

Working separate territories enabled Heather and Travis to refine their own unique approaches to business. But when the opportunity arose to combine their talents and collaborate professionally, they didn’t hesitate to make the move. “We started out from scratch,” acknowledges Travis. “Rebuilding our business with clients in a new region was a challenge, but we earned each client the right way: with great service.”

Heather and Travis joined Ticor Title in 2011, and are now focused on clients situated along Ventura Boulevard and throughout San Fernando Valley and the surrounding regions.

They manage a diverse clientele, working with residential and commercial brokers, residential builders, escrow and mortgage professionals, attorneys and principals. “We love the opportunity to connect with a range of people,” says Heather. “Travis and I have always been focused on relationship-driven business, not just single transactions.”

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Communicating with a variety of individuals has allowed Heather and Travis to gain invaluable insight into the unique needs of a substantial client base. The duo is committed, they say, to caring for customers on their terms. “I’ve always believed,” says Heather, “that there are certain business elements that can’t be learned. Some things are innate. You don’t learn how to be successful in our industry; there’s an internal drive, an unwavering dedication that propels you to go beyond the extra mile. You’re either born with it or you’re not.”

As fate would have it, both Heather and Travis were born with that very drive. They are proactive, accountable and focused on accomplishing their clients’ unique and ongoing needs. Their transactions are marked by efficacy and momentum; the two are exceptional communicators who work tirelessly to obtain answers, resources and solutions for their customers. “We’re hands-on,” adds Travis. “Heather and I have defined our business by exceeding the traditional service provided by title sales reps. Our clients know that when they’re working with us, they’ll get us. That’s our commitment to our work, and to our customers.”

Years in the field have provided Heather and Travis with opportunities to expand their industry knowledge, and they have readily pursued prospects for ongoing education.

“Being involved in complex transactions has allowed us to better serve our clients with a range of title-related issues,” notes Heather. “Travis and I can work with customers on issues such as releasing and discharging items from title reports, to public utilities and easements, to financial challenges.” When situations require outside assistance, the team is well-prepared to assist their clients in finding solutions. “We have developed a strong network of industry-related professionals, and can provide our customers with the resources they need to close their transactions successfully,” Heather says. The Olsens also provide presentations and seminars geared to every level of real estate professional; from new agents unfamiliar with the title process to seasoned veterans seeking a deeper understanding of complex transactions they work closely with residential and commercial professionals throughout the region.

Though they’ve dedicated themselves professionally to the industry of title, Heather and Travis do enjoy downtime. Proud parents to a son, Grant, they appreciate the opportunity to spend quality time with their growing boy.

Driven and determined, both Heather and Travis operate their business with an unwavering vision that focuses on meeting each client’s unique needs. The award-winning team has adapted to meet the changing demands of their industry, and remains committed to providing their clients with exceptional customer care.

Heather and Travis Olsen Ticor Title Company Heather: 818.425.9236 Heather.Olsen@ticortitle.com Travis: 818.421.2607 TravisY.Olsen@ticortitle.com Website: www.blvdtitleteam.com

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Make Ruben Amaro Part of Your Successful Team

By Lalaena Gonzalez-Figueroa

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graduate of the University of California, Irvine, Ruben Amaro has crafted a successful career in the lending industry through years of dedicated work and a commitment to excellence. Once a territory manager in pharmaceutical sales, he honed his ability to connect quickly and effectively with customers while developing an in-depth product knowledge. As a home mortgage consultant he has built a business based on exceptional client care and a desire to utilize his skills in order to assist others in achieving their goals.

There is an innate drive that propels Ruben to success; influenced by his hard-working parents, he thrives on the opportunity to meet challenges head-on, to identify solutions to the issues facing his customers and clients. “I have always been encouraged to set high standards for myself,” he explains. “It’s an attitude that has helped me to grow in business and in life.”

It’s also an outlook that defines him professionally: he expects nothing less than a smooth and positive transaction for his clients, and works diligently to accomplish this whenever possible. Through clear and ongoing communication, a thorough product knowledge and the support of a strong team at Wells Fargo Home Mortgage, Ruben offers his clients a consistent level of exceptional service.

“I am a perfectionist, and want to facilitate a transaction that runs as smoothly as possible,” acknowledges Ruben. “In my business, a great lending experience is the gateway to a productive and successful long-term relationship with consumers and real estate professionals. My goal is to develop lifelong clients who will turn to me – and Wells Fargo Home Mortgagefor their ongoing lending needs.”

Founded in 1852, Wells Fargo has long been a pioneer within the banking and lending industry. Today the company, which offers over 6,300 banking locations across the country, remains committed to developing innovative solutions for the issues facing consumers today, tomorrow and beyond. Wells Fargo Home Loans offers an array of products designed to meet the needs of consumers at every tier of real estate, from first-time buyers to savvy investors. Experience, knowledge and the Wells Fargo Closing Guarantee are among the elements that set the company and -its representativesapart.

Ruben works with real estate professionals and consumers throughout the Seal Beach region and beyond. He works with a range of clients, specializing in high-end and luxury real estate transactions which require a diligent and thorough lending professional.

A fluent Spanish speaker, he leads a culturally diverse team that includes home mortgage consultants Yoona Kim and Gina Alderson, who have the ability to serve the needs of Korean- and Vietnamese- speaking customers. “We are connected to niche communities throughout the region, though our business has been built on a broader spectrum of clients across our area,” notes Ruben.

His drive is tempered by an outgoing and amiable personality; Ruben connects easily with others through an empathetic approach, which has allowed him to develop direct relationships with consumers. “Through referrals and individuals seeking pre-approval on home loans, I have built a clientele to whom I can refer my network of real estate professionals,” he explains. “I appreciate the opportunity to help industry colleagues build their businesses, while offering consumers the utmost in client care.”

When he is not hard at work facilitating successful transactions for his customers, Ruben spends time maintaining a fit mind and body, traveling and enjoying the company of his family. He and his wife Tina are proud parents to Sarae and Dante. The latest generation, says Ruben, will learn the value of discipline, hard work and a positive attitude. “I’m teaching them just like my parents taught me,” he reveals proudly.

Ruben Amaro Wells Fargo Home Mortgage 12830 Seal Beach Blvd., Suite A Seal Beach, CA 90740 Telephone: 562-596-4877 Ruben.Amaro@wellsfargo.com www.wfhm.com/ruben-amaro

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Thomas Rahe Clients Come First

By Lalaena Gonzalez-Figueroa

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real estate professional with a background in the mortgage industry, Thomas “Tom” Rahe offers his clients attentive and empathetic care. He is as personable as he is knowledgeable, operating with an innate sense of self-assurance that belies his confidence in his business and his industry. What he doesn’t know, he’ll learn.

And he’ll ensure that every detail is handled with precision and diligence so that each client experiences a transaction that is as smooth and stress-free as possible.

Tom launched his career in mortgages; as a loan officer, he gained an invaluable understanding of the real estate process as a whole. Not only did he become well-versed in the elements that comprised transactions, but he also developed an enthusiasm for the client relationships that were cultivated. When the opportunity arose to transition into real estate sales, he didn’t hesitate to act.

“I’ve appreciated the ability to develop long-term relationships as a real estate agent,” says Tom. “Buying a home is a process that can be timeconsuming, and I never want my clients to feel pressured or hurried. With patience and diligence, we will accomplish their goals.”

Tom’s ability to connect with a range of clients allows him to successfully represent individuals at every stage of real estate. From first-time buyers to savvy investors and luxury home sellers, he offers comprehensive marketing and advertising campaigns, skillful negotiation, and a thoroughly customer-centric approach.

Client Clifford Downie appreciated the adaptability and knowledge Tom displayed in a series of related transactions. When Downie and his wife relocated for business purposes, they chose to lease their existing property and purchase a new home. “Tom was well-informed of the market we were moving into,” Downie recalls. “He offered us objective information on homes that met our criteria, helping us to understand which properties would be sound investments and which weren’t as accurately priced.” When complications threatened to derail their home purchase, he adds, “Tom was there to negotiate on our behalves and

to identify and implement a creative solution that would allow us to close our transaction. It was a complicated process, and at some point we felt like the deal wasn’t going to go through. Tom, though, was able to work it out.”

Specializing in the communities of Mission Viejo and Rancho Santa Margarita, Tom works with buyers and sellers throughout the counties of Orange, Los Angeles, Riverside and the surrounding regions. He’s well-versed in leases and rental properties, identifying solid prospects for clients for whom selling homes isn’t the ideal option. Proactive in his business approach, he collaborates with his fellow agents in order to achieve successful transactions. And though he no longer handles mortgages, Tom does work closely with his clients’ lenders, when appropriate, to ensure their financial plans are on target with the transaction requirements.

With clients he is highly communicative and responsive, fielding questions and concerns with professionalism and care.

Tom’s professional endeavors are demanding, but he finds balance in time spent with his fiancé, snowboarding and on his motorcycle. He continues to build his real estate repertoire and looks forward to growing – in his professional knowledge and in his business.

Thomas Rahe Realty World Orange Coast 4482 Barranca Parkway, Suite 118 Irvine, CA 92604 Telephone: 949.292.6544 TomRahe@gmail.com www.YourSoCaliHomes.com DRE # 01779688

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