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EXPERIENCE Real estate consultant and licensed REALTOR® with financial and marketing background. As Short Sale Specialist work with home owners who can no longer afford home, market to investor contacts and general public, negotiate short sale with lender, help locate alternative housing, and provide homeowner education on credit management, future mortgage loan selection, and budgeting. As retail and commercial banker, Bank of Virginia (now Wachovia), began as teller and customer service rep, reconciled general ledger accts, prepared and maintained commercial loan packages for senior credit committee, audit compliance, and commercial customer communication regarding account/loan status. As senior account executive , The Martin Agency, Richmond, VA, one of the nation's premier ad agencies, handled marketing and advertising for financial services clients including Signet Bank (now Wachovia), Barnett Bank of Florida (now Bank of America), Blue Cross/Blue Shield of FL, BankOne in Columbus OH and Student Loan Marketing Association (SallieMae). As office manager for large Catholic parish in Diocese of St. Augustine (4,000+ families/~7,000 members) welcomed/registered new families and maintained current data, coordinated fund raising for renovations/additions to church and school, prepared parish council agenda and minutes, compiled and published weekly bulletin, , coordinated parish ministrie sand facilities, and provided support for parish priests/members/community-at-large as needed. GOALS ? provide clients with dependable, honest and ethical real estate evaluation and transaction assistance. ? provide homebuyers with comprehensive information to make informed buying decisions. ? provide investors with real estate opportunities that satisfy personal and portfolio needs Specialties Education for first time homebuyers Property analysis , and sellers looking to maximize their bottom line. Real estate contract negotiation Preforeclosure loss mitigation Negative equity short sale negotiation