Professional Business & Financial Services, dba PBFS Commercial, offers a diverse mix of commercial real estate loans to meet the individual needs and objectives of its borrowers for commercial and non-owner occupied residential investment properties. PBFS specializes in financing residential investment "fix and flip" and long-term rental properties, multi-family properties, as well as, commercial office, mixed-use, and warehouse properties.• Provides commercial and residential investment property financing for real estate investors and commercial property owners• Consults with clients to determine their investment and business goals as it involves real estate financing and project development • Develops property acquisition strategies with residential real estate investors and developers with varying levels of experience• Reviews the potential profitability of existing real estate projects and/or new developments with clients by comparing the estimated LTV with LTC and assessing the capability of the project to service debt based on future sales (build to sell), or rental income (build to rent)• Researches and ascertains the best available lending partner(s) for each project based on the lender’s ability to perform, their closing timeframe, and cost of funds to the client

I have been investing in real estate for almost 20 years, and have hands on knowledge regarding FHA (First Time Home Buyers), conventional, jumbo, and VA residential loans; as well as, single family, duplex, four-plex and commercial investment property loans. Let my experience with residential and commercial properties work for you. Feel free to message, email, or call me for a consultation or to get pre-approved for your home loan today! • Licensed residential mortgage lender in Florida, Nevada, Texas, and Utah – NMLS #1183537• Originates Conventional, FHA, VA, and Reverse Mortgage loans• Educates borrowers on loan products and processes• Works with clients to structure their loan as efficiently as possible by minimizing costs and maximizing client purchasing power• Enables clients to refinance their home so that they can perform needed repairs, consolidate debt, or have additional funds for investing and retirement • Stay abreast of lending guidelines and regulatory changes in order to maintain a high level of service to clients

Professional Real Estate Investors Group's sophisticated investment program enabled the general public to invest in residential real estate like an expert. Through its program, knowledgeable and dedicated staff purchased, remodeled, leased and managed investment properties for its clients. PREIG completely eliminated the most common barriers to entry on investment property - Lack of Time, Knowledge, and Property Management experience.• Delivered a comprehensive real estate education to clients by providing training, investment property financing, and marketing services • Engaged with property vendors, the sales department, and data providers, to successfully market cash flowing investment properties to clients • Streamlined management, HR, data, and accounting operations which significantly reduced overhead

EMS provided telesales, customer service, and business model development for business clients and individuals striving to create their own “brand / Identity” through direct response marketing.• Managed the overall effectiveness and efficiency of business operations through executive, financial, customer service, and product fulfillment managers• Created and maintained relationship with clients, lead providers, and joint-venture partners• Negotiated contracts with vendors and product fulfillment providers• Created and maintained, banking and other financial relationships for the company• Developed the financial business models for client marketing programs

• Responsible for oversight of company operations including: accounting, human resources, customer service, Web design, and programming• Under the World Net Services brand, led the company to earn First Data Merchant Service’s Top 10 Agent Award three consecutive years, named Most Improved Agent Award two consecutive years, and President’s Circle five separate times• Created and implemented financial models of company marketing programs which enabled company to benchmark sales results and led to an increase in ROI of 25%• Implemented new product marketing campaigns reducing company media expenditures by 50%