Members in good standing can vote for up to three (3) Default / REO Management Member candidates, up to one (1) Affiliate Member candidates and up to one (1) Agent / Broker Member candidates. Voting will be closed on Friday November 8th.

Fred Law Century 21 Everest Realty 


Fred Law is Director of REO at Century 21 Everest. He has been a REOMAC member since 1988 as an Agent/Broker. He has served as a board member on several Real Estate Boards in Salt Lake City and Utah State. Mr. Law is licensed in both Utah and California. He has been an active realtor since 1985 and REO Agent since 1988.  

This is Fred Law, and I have been an active Realtor since 1985.  I joined REOMAC in its very early years, and was referred to REOMAC from Clayton National back in late 1988.  I have worked with many Banks, Asset Companies, and funds for over 34 years.  As part of 4 REO Cycles, I have been fortunate to know and work with many hundreds of asset managers, and Realtors across the United States and count them as valued friends and partners - in the effort to work within the default industry. I have sold thousands of assets for many clients over the years.  My goal is to create clear communication and education within all our valued members, and be able to give the support as needed for all - within their areas of expertise. My insight from an Agents prospective I believe will be valuable in working closely within the Board of Directors.  

I have been on the Board of Directors for the Salt Lake Board of Realtors on two occasions, the Utah Association of Realtors, and Breitling Brothers Construction, a large company in Salt Lake City. With that experience, I know what is needed in decision making as a group, and welcome the opportunity to be of service to all the members of REOMAC. I Had my own company for many years as part of RE/MAX and a private company. Now I am the Director of REO for Century 21 Everest with offices in Utah and California.  With this experience, I believe that I will be able to increase membership, events, and education in our industry. I would appreciate your vote to be part of this fabulous organization. 

Hilary Marks Legacy Realty Partners 


Hilary’s real estate career began in 2006. She has proven extensive experience and skill set in standard luxury, REO, distressed, Short Sales, Flips, Full rehabs, Property Management and Probate Real Estate selling hundreds of homes. Hilary’s passion is to serve her clients with “Superb Customer Service,” and “Top Notch Marketing.” With hard work, ethics, and holding herself to a higher standard she has established lifetime relationships. “YOUR GOALS are MY GOALS.” Hilary takes great pride in her clients and her scorecards.

She continues to stay ahead of the market by attending conferences and education events. This allows her to service her clients with the best knowledge and customer service. Hilary is detailed and goal oriented and loves serving her clients, helping them achieve the results they want. In her free time, she loves spending time with her family and maintaining a healthy active lifestyle. 

My desire, my vision, and why I would like to be a member of the Board of Directors for REOMAC is to contribute and help others within our organization and industry. My vision is to add knowledge and resources for our members’ clients and help build strong lasting relationships. To provide an active presence in our industry. I believe this is key to building and helping others within our organization and industry.

Justin Potier Vylla Home 


Justin Potier is passionate about helping you achieve success in purchasing a home. With over 24 years in the real estate industry, Justin Potier understands the big picture and how each job adds up to a superior level of service. Justin Potier also believes that it is the support and expertise of everyone that has ensured Carrington Real Estate Services’ position as one of the top brokerages in the nation. Justin Potier’s three decades assure his clients the best in client experience. His knowledge and expertise afford his agents a unique opportunity to be a part of an exciting and fast-growing brokerage.

I would like the opportunity to serve as a Board of Director for REOMAC to give back and assist in the growth of the organization. The industry of default is evolving and providing the education, tools and business resources would be a top priority to ALL of our membership classifications as a board member.

The 6 years I have served as a board member and my time over the last 17 years as a member is a testament of the value I see in the organization. I would like the opportunity to provide the same benefits to each of its members, that membership has shown me over the last two decades I have been involved in REOMAC.

I would deeply appreciate the opportunity to serve each member of REOMAC and dedicate every resource I have to the growth, support, and advancement of the organization and its members.

William Ramos Integrity Key Realty LLC


William E Ramos Broker is owner of Integrity Key Realty LLC. He served in the United States Navy for 7 wonderful years, decorated and honorable discharge in 2005 decided to pursued his dream on selling real estate. In 2008 he discovered the amazing world of REO and fell in love with the discipline it takes to succeed  in this task oriented business, but most important the amazing people you meet along the way.

He is a member of the most respected and well-known organizations in the default industry; REOMAC, NRBA, USREOP and DIL. In those organizations, sharing knowledge and building relationships has been his number one priority because he knows no one knows it all or go far on their own.

In 2017 William desired to open his own brokerage. Choosing the name of his company, after conversations with friends and colleagues he
decided to name it after the only thing in this business that has never been questioned about him. That’s how Integrity Key Realty came about. During the past 11 years REO has been his passion and building relationships his purpose.

This industry has given me so much I’m always looking for ways to pay it back and I believe being part of the REOMAC Board of Directors is one of the best ways to accomplish that. My vision for REOMAC is to be the number one source for education and networking opportunities in the default industry.

Todd Simonson Cornerstone Real Estate Brokerage Inc. 


For the last twenty-five (25) years I have been in and around the default industry in various roles, including; real estate, both selling and investing, mortgage origination, and working with consumers in bankruptcy. I have worked on behalf of institutions and consumers. Most of that time has been spent in real estate. Currently full-time Broker/Owner of Cornerstone Real Estate Brokerage, a small firm predominantly listing and selling REO’s for servicers and asset management companies. Also, my wife and I have been investing in real estate for more than fifteen (15) years. Each position has been both a springboard and building block for the next phase, as well as affording me multiple perspectives. Married, six adult children and seven grandchildren. We live in and enjoy the South Florida lifestyle.

What attracted me to REOMAC was that at its very foundation is the use of education and networking, hand in hand, to promote industry leading practices. My vision for REOMAC is very simple. As our industry evolves, we need to continue to use these incredible foundation tools to make sure our current members remain on the cutting edge of industry knowledge and practices.  At the same time, we should use these tools to attract a new generation of members from our traditional base of default sources. These are the professionals who have recently entered our industry. Finally, to use our education and networking to try to attract more “non-traditional” members. These are groups who are involved in the default industry, but in areas we may not normally associate with default, but where our best practices and skills can also be utilized. By increasing the number of groups/types of people involved in REOMAC we can ensure our sustainability.

Andrew Oliverson Green River Capital 

Default/ REO Management

Mr. Oliverson is Vice President of REO at Green River Capital, part of the Real Estate Services division at Radian (NYSE: RDN). His more than 16 years’ experience in REO Asset Management began in 2003 at Fairbanks Capital and has continued to his current position.  Prior to his work in REO, Mr. Oliverson originated mortgages and worked in loss mitigation and collection departments. 
Mr. Oliverson is a seasoned manager with expertise in the transitioning, on boarding, team building, KPI development and performance delivery for new and existing clients. His experience extends to all aspects of the REO process including Eviction, Title, Valuation, Preservation, Repairs, Marketing and Closing.
Mr. Oliverson received a B.S. degree in Economics at the University of Utah and currently holds an active Utah Broker’s License.

I’m interested in lending my leadership skills and experience to REOMAC as a member of the Board of Directors.  I’ve been employed in REO for over 16 years and have contributed to the building of an REO Servicing business from 5 employees to over 200 and have managed (and currently do) all processes of the REO lifecycle.  I bring attention to detail and a desire to make any organization that I’m affiliated with become better and add more value to its members.

I would like to continue to provide ways that bring value to REOMAC members.  Our challenge today, given limited REO Inventory, is how do we fulfill the mission of REOMAC and provide an organization that “advances the careers of professionals in the default industry?”  The answer is delivering the “education, networking and teambuilding” that brings value to all members.  I believe I can provide insight and connections that can and will deliver the REOMAC promise.

Mark Paniccia TREO Asset Services

Default/ REO Management

Mark Paniccia is Vice President of Business and Commercial Lending for TREO Asset Services. He continues to service the portfolio of Signal Asset Management, a real estate development and commercial lending firm located in Midlothian Virginia. Prior to that he was the Senior Vice President of Real Estate Owned at SunTrust Mortgage. Mark began his career in portfolio management as Real Estate Specialist for Merrill Lynch and later as Director of Real Estate Services for Prudential’s Diversified Services Group. Mark spent most of the 2000’s with GMAC ResCap on the commercial side, managing $2 billion portfolio of structures leases and lot options for large homebuilders. He is a graduate of the University of Connecticut with a BA in Political Science, a member of the Mortgage Bankers Association, and has served on the board of the REO managers association (REOMAC).

Throughout my career, I have successfully managed change in a variety of lending and portfolio management settings, through boom and bust, and as a result I have the ability to work with my colleagues to move organizations in the direction the market is headed. REOMAC too has always represented the best in the mortgage default industry through a wide variety of market cycles and conditions. I believe my presence on the board will provide new perspectives on the opportunities for our membership, and I look forward to capitalizing on those opportunities with you.

John Sawyer PHOENIX 

Default/ REO Management

John Sawyer is Senior Vice President of Mortgage Services, and has been with PHOENIX since 2017. John is responsible for new product development and operational oversight of PHOENIX divisions including REO, TAX and HOA. John has traversed the mortgage banking arena for almost two decades to include both progressive organizations/servicing management functions and multi-faceted entities including wells-Fargo, IBM (Wilshire Credit), HomeStar Property Solutions, Wingspan Portfolio Advisors, and Agility 360. John’s primary impact has been concentrated within operational excellence while projecting significant bench strength in Valuations, Loss Mitigation, and Asset Liquidation coupled with risk and project management throughout the default space. John served in the U.S. Army prior to his entering the industry in 2000.

I feel a passion to use my experience and expertise to further advance the REOMAC brand and business model in a changing environment.

Dorothy Macias Lincoln Escrow Inc. 


Dorothy has been in Real Estate for over 30 years, primarily as a closing agent/escrow officer. She further extended her career into the government arena as a sub-contractor for FDIC, during the savings and loan crisis 1987-1995 (RTC) and this very last crisis 2008-2012. She has worked with several outsourcers, HUD and government agencies, closing over 700 escrow transactions a month.

My goal with REOMAC is to enhance the membership by bringing Diversity & Inclusion Division to cover all aspects in this industry. I would be responsible for adding government agencies to our educational panels to help our members to work with these government agencies. By doing this, I would arrange workshops on how to complete, register for these agencies.

Rick Sharga CJ Patrick Company 


Rick is the founder of CJ Patrick Company, a consulting firm that helps real estate, financial services, and technology companies develop a position of competitive advantage and use it to drive business strategy, marketing, and sales.

An accomplished executive with over 25 years of experience in consumer and B2B marketing, Rick was formerly an Executive Vice President for Carrington Mortgage Holdings, responsible for PR, Social Media and Corporate Communications. 

Rick was previously the Chief Marketing Officer of Ten-X, the leading online real estate marketplace, where he started in July of 2013 as EVP of the company’s business unit. Prior to that, Rick spent eight years at RealtyTrac, whereas SVP he was responsible for marketing, business development and data operations, and won the Stevie® Award for National Marketing Executive of the Year. Before RealtyTrac, Rick developed and executed sales and marketing programs for technology companies such as Fujitsu, JD Edwards, Toshiba, and Hitachi; start-ups like; and consumer brands including Pizza Hut, Acura and Cox Communications. 

One of the country’s most frequently-quoted sources on real estate, mortgage and foreclosure trends, Rick has appeared regularly over the past 15 years on CNBC, the CBS Evening News, NBC Nightly News, CNN, ABC World News, FOX, Bloomberg and NPR. 

Rick is a member of the Corporate Board of Governors of the National Association of Hispanic Real Estate Professionals, the Advisory Council of the Asian Real Estate Association of America and the Board of the Technology Council of Southern California, and was included in the Inman News Inman 100, an annual list of the most influential leaders in real estate in both 2013 and 2014.

REOMAC has a long, storied history of service within the Default Servicing Industry, and has garnered respect as an organization providing valuable education, support and networking to Mortgage Servicers, Asset Management Companies, Property Preservation and Field Services Organizations, real estate brokers and agents, and other professional service firms.

At the peak of the Great Recession, when loan delinquencies and defaults were historically high, REOMAC was almost overwhelmed by the unprecedented interest among all of its various constituencies. But throughout the crisis, the organization managed to continue to deliver value both to those companies tasked with managing the tsunami of foreclosures, and those professional service firms and individuals hoping to generate business from those companies.

What REOMAC didn’t do – and perhaps didn’t have a real opportunity to do at the time – was chart its future course for an environment with historically low levels of foreclosure activity. This is the challenge facing the organization today: how to remain relevant, and thrive, during an extended period of lower than average foreclosures.

This is a real challenge. Historically, foreclosures have been cyclical; bursts of activity are followed by periods of dormancy, but at a somewhat predictable level. In the post-crisis environment, where lenders have become extraordinarily risk-averse and regulatory constraints have made foreclosures more difficult and time-consuming to execute, practitioners find themselves competing for market share in an ever-diminishing pool. The industry is seeing an awful lot of consolidation, and many small firms are struggling to survive. Consequently, many of these practitioners need to diversify their services in order to survive – and this diversification has significant implications for REOMAC.

In order for REOMAC to maintain its role as an industry-leading organization, it seems likely that it, too will need to move beyond its core competency in the Default Servicing space. Fewer foreclosures mean fewer organizations and professionals focused on the segment; in turn, that can lead to fewer potential REOMAC members, sponsors, and business partners. I’m strongly of the opinion that the foreclosure crisis we just experienced was a once-in-a-lifetime phenomenon, and that REOMAC needs to find areas where it can help members expand their business activities and simultaneously draw new members and sponsors into its ecosystem.

That, in essence, is my vision for REOMAC: a metamorphosis that moves the organization from exclusively focusing on Default Servicing into finding new areas of real estate and mortgage industry practices (Commercial Real Estate is one such example). I believe my experience across a wide variety of businesses in these segments, and my 25+ years of working with a variety of clients effectively market their products and services are uniquely well-suited to helping REOMAC effectively accomplish this transition, and I ask the organization’s members for their support in the upcoming Board of Directors election.

Karen Trimble CRE Execution Strategies 


Karen Trimble is an executive with multi-dimensional experience in complex commercial real estate transactions, including acquisitions, sales and lending; due diligence, negotiations, and closing team management; loan restructuring, workouts, and special assets/OREO portfolio management.  Projects include luxury hospitality properties, LNG power plants, residential housing developments, office and mixed-use projects throughout the continental United States.  Karen has been involved in over $2.5 Billion of real estate transactions with local and international companies including US Bank, San Diego National Bank, Latham and Watkins, and Jenny Craig International.  

She started her career in law firms and was, through a fluke, assigned to an extremely complicated sale of a signature golf course project.  The transaction, involving tax issues, complex survey and title issues and liquor license problems, is still one of her favorite projects and is where she became enamored with commercial real estate.  Initially working for small, medium and then top 10 international law firms, her subsequent positions were primarily in the banking where she managed commercial lending teams and asset management groups.  With each commercial real estate downturn, Karen’s experience led her into managing distressed loan and asset portfolios of various asset classes, including luxury and small hospitality properties, residential developments, retail, and office projects throughout the United States.  Karen was additionally engaged with Great American Bank and Home Federal Bank in receivership with the Resolution Trust Corporation (the “RTC”) where she managed the disposition of loans and foreclosed assets.  

 Karen is currently the President of CRE Execution Strategies, Inc., which consults with developers, banks, and property owners on myriad issues, including purchase and sale transactions, affordable housing, negotiations and asset analysis.  Karen also developed and teaches an intensive 40 hour-9 course certification program in commercial real estate that takes junior lenders, asset managers and paralegals from initial real estate concepts, into transaction management, and through foreclosure analysis and processes.    

Karen has also been engaged with non-profit organizations in San Diego, including the Board Chair of the Executive Women’s Council of the University Club, Board chair of the San Diego Council on Literacy, Board Chair for Kids Turn San Diego, and is a LEAD San Diego Graduate (2008).  Karen originally hales from Colorado and Norway from which she takes a love of the mountains and the water.  After finishing school in Norway, Karen moved to San Diego, primarily in order to avoid driving in snow.

I believe that my extensive background and experience in commercial real estate (Legal & Lending), specifically in defaults, foreclosures and OREO, as being an asset in continuing to develop industry best practices and providing opportunities for education in the field.  From having developed in-depth commercial real estate training programs, I believe I can contribute meaningfully to assist in making REOMAC the leader in the default industry and the “go-to” organization for education in both the residential and commercial real estate fields.  As part of that process, I can also see REOMAC naturally becoming the resource not only for people in the industry, but possibly a driver of industry standards. 
I find commercial real estate to be one of the most interesting and engaging fields of work, and it continues to evolve and change with every new cycle.  What happened in these past cycles is a great trainer for the next cycle to occur, but we all know that every market downturn brings in a different set of issues to address and resolve.  I would love to be a part of an organization that is ahead of that curve and becomes the preeminent organization in the default industry, especially as REOMAC© moves toward a more robust place in the commercial field.  


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Pensacola, FL 32591


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