I am a Producing Branch Manager at Rate. Personal NMLS# 309054. Rate #2611. A mortgage company who grows for good. We believe you’re amazing and can do anything you want in the world. Believe you can and you will.Guaranteed Rate, Inc. DBA Rate NMLS 2611 3940 N. Ravenswood Ave., Chicago, IL 60613 (866) 934-7283 • rate.com Equal Housing Lender For licensing information, go to www.nmlsconsumeraccess.orgwww.rate.com/licensing | www.rate.com/privacyAZ: Arizona Mortgage Banker License #0907078CA: Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending ActCO: Regulated by the Division of Real EstateTX: www.rate.com/texas-consumers-how-to-file-complaint

This podcast and journey was born out of the tragedy of losing my 14 year old daughter suddenly to viral myocarditis. Listen and learn how I turned my pain into power, learned to love the man in the mirror, and continue to serve and help others push through their pain. I’m here to tell you that there will always be challenges in life but human beings are resilient. All you need to do is make a decision today. Follow me on this Journey 2 Hope, and together we will live, we will learn, and we will grow. And hopefully we will find some hope in everyday.

What we do:Helping investment property owners transition from active property management to diversified (income-producing) real estate ownership. Primary investment objectives include: 1031 tax deferral, diversified asset allocation, projected passive (monthly) income, and potential capital appreciation. Why this matters:If you’re tired of property management, want to upgrade your real estate, and/or are looking for lifestyle income, consider a 1031 DST to diversify your portfolio and eliminate active property management. Who is this for:Our average 1031/DST investor is looking for Sleep Well At Night (“SWAN”) income.Petra’s DST property portfolios provide accredited investors with access to pre-structured and "ready close" 1031 DST programs, starting at a $100,000 minimum investment. How we’re different:Having experienced numerous business cycles and four recessions, We understand the importance of managing volatility and risk in every economic cycle. At Petra, our risk management model is designed to stress test each 1031 DST investment and portfolio allocation for optimized risk and return. Securities offered through Saxony Securities Inc., Member FINRA/SIPC Desire to learn more? Visit www.petracapitalproperties.com or michaelchabot@petracapitalproperties.com

Draper and Kramer Mortgage Corp. is the residential mortgage division of Draper and Kramer, one of the country’s premier full-service real estate and financial firms. While still a family-owned company headquartered in Chicago, we help identify and structure mortgage financing programs for clients across the United States and have been doing so since 1893.NMLS: 309054 | Co. NMLS: 2551Equal Housing Opportunitywww.nmlsconsumeraccess.org

Draper and Kramer Mortgage Corp. is the residential mortgage division of Draper and Kramer, one of the country’s premier full-service real estate and financial firms. While still a family-owned company headquartered in Chicago, we help identify and structure mortgage financing programs for clients across the United States and have been doing so since 1893.NMLS: 309054 | Co. NMLS: 2551

Gold Star Mortgage is a leading independent mortgage company, known for world-class customer service, excellent programs, low interest rates, and powerful systems. We offer full loan approvals prior to making a home purchase offer, greatly strengthening our borrower’s negotiating position. We also offer incredible systems for our Realtor partners, including database soft-credit-inquiry monitoring.We are an aggressive and flexible option for Loan Officers:- All Available Mortgage Products (see below in additional profile)- Encompass Loan Origination Software - www.elliemae.com- 2013 thru 2018 Encompass Hall of Fame Winner for Outstanding Workflow Efficiency- 24/7 Access To Pricing - www.mtgpricing.com - LOS Fully Integrated Mortgage CRM - www.mortgagereturns.com- CRM Training & Support Center - www.mrhelpportal.com- List Reports automated property marketing – www.ListReports.com - Deal Desk for Scenarios and Access to Delegated Underwriters- We Underwrite TBD's - Full Pre-Approvals With No Financing Contingency- 24hr to 48hr Turn Times Per Department - We Can Close Loans In Ten Days!- Internal Marketing Department - Flyers, Banners, Email Campaigns, Social Media, + More!- Automated Marketing Campaigns to Fill Your Pipeline!- Licensed in 33 States & Growing - http://www.goldstarfinancial.com/branches.php- Employee Health Benefits (Medical, Vision & Dental) - And 401k!- Mobile App for Borrowers & Realtors - Automatic Loan Updates Sent Out On Behalf Of The MLO- We Can Facilitate Lead-Share Agreements & Have Strategic Realtor Marketing Value Propositions!- Strategic Partnerships To Drive Quality Leads To Realtors & Our Loan Officers!- National Lending Partner to www.CraigProctor.com for Unlimited Realtor Partnerships!- Plus Many More Benefits - Call Me Today!

Highly regarded local speaker, educator, mentor, & trainer:- Realtor Masterminds - held monthly- First-Time-Buyer seminars- Lunch-and-Learn series- Weekly education & motivation videos- Partner, mentor, & resource to professionals all around Ventura County

Call me today if you want your dream home! (805) 304-1376!As A Direct Lender - Available Products:- All Fannie Mae & Freddie Mac- All FHA, VA & USDA - Jumbo Loans Up To $10,000,000 (similar rates as private banking) - 89.9%LTV 1st Mortgage Up To $1,000,000 with No Mortgage Insurance- 95.0% Home Equity Line of Credit to $1,000,000 - Stand Alone- 89.9% Home Equity Line of Credit to $1,500,000 - Stand Alone- 80%LTV One Day After Foreclosure, Bankruptcy and/or Short Sale- Mortgage Loans with No Tax Returns Required - CPA Letter and/or Bank Statements- Foreign Nationals Allowed with No Social Security Number Needed- Warrantable Condos to 97%LTV & Non-Warrantable Condos 80%LTV- Rehabilitation Loans Up To 95% Of The "As Finished" Value- Rehabilitation Financing For Investors - We Can Use "As Finished" Value- Vesting In Entities - All Types Of Trusts, Partnerships, LLC's & Corporations - Investor Loans - Unlimited Properties Owned- Construction to Perm - One-Time Close Available- Rate Locks Are Available For Up To One Year For New Construction- Down Payment Assistance Available for First Time Home-Buyers That Qualify- Reverse Mortgages - Credit, Income, Assets & Employment Are Not Verified- Ranches & Hobby Farms to 95%CLTV - 5-160 Acres w/Agricultural Income- Commercial Properties - Stated Income (No Tax Returns) - Competitive Terms- Plus Much More! Call Today!

NMLS: 2611