East County's top real estate and mortgage professionals help people realize their dream of home ownership. They care about their clients and their community.

Maria Bruno, Mortgage Loan Consultant/VP
Right Trac Financial Group
144 Continente Ave, Suite 130
Brentwood
925-465-7100 X7113
925-634-9315 (24/7)
maria@righttrac.com
www.righttrac.com/bio_mariaBruno.php

Even though Right Trac has successfully closed 90 percent of the loans submitted to them over the past five years, the company would rather turn down a deal than to let down a client. In 12 years with the company Maria has become VP, Loan Originator, and partner of the company’s Brentwood branch. Maria says that she is available to clients 24/7. “Home financing doesn’t get any better than this!” one of her clients said. Maria was born in Italy. She became childhood playmate and then adult sweetheart to the man she married in 1993.

Sandi & Kit Carson, Realtors
Better Homes Realty/Mann/Associates
2200 Sand Creek Road
Brentwood
925-337-2791
925-337-4642
kitc1@sbcglobal.net
www.sandikitcarson.com

Between the two of them, the Carson team has been in the business for 27 years. They are local homeowners themselves, residing at Summerset Three. They are senior specialists, and love helping people who are in the “prime time” of their lives. They treat clients as friends. They offer realty services as a faith-based business. Their love for helping people, and the pleasure they take in creating and developing relationships are natural outcomes of their commitment to the Master whom they serve. Look them up in their new Brentwood office just behind Railey’s.

Yvonne M. Copeland, GRI, SRES, e-Pro, Realtor
Realty World/Delta Country
13530 Byron Highway
Byron
925-766-1199 (cell)
yvonne@ymcproperties.com
www.ymcproperties.com

The alphabet behind Yvonne’s name represents her extensive continuing education. Her clients are confident that transactions are being carried out with the expertise that comes from specialized education. During her 20+ years in Brentwood, Yvonne has represented both buyers and sellers with residential, ranches, acreage, and water front properties — including custom and subdivision homes. She offers a full range of real estate services, with a record of success founded on knowledge, performance, and integrity that create satisfied clients and many referrals! “The Right Agent Makes All The Difference In The World!” Yvonne is the right agent.

John D. Fink, Realtor Associate
Century 21 Diablo Valley Realty
925-945-2806
925-550-8479 (cell)
jdfink4re@comcast.net

John’s business centers around his roles as husband, father, volunteer with the Brentwood police, and Ambassador with the Brentwood Chamber of Commerce. He’s a tireless booster for the city and revels at the small town feeling of this place despite the growth that it has experienced during the past two decades. John is working diligently to get people settled in their own homes so that they can share the grand experience that he is having. It’s not about making a buck; it’s about building and replenishing the community that John loves so much.

Kirk Fraley, Senior Loan Consultant
Washington Mutual Home Loans
5829 Lone Tree Way #D
Antioch
925-755-2167
925-755-2197 (fax)
kirk.fraley@wamu.net
www.wamuloans.com/kirk.fraley

Kirk is an industry expert with more than 16 years of experience in Mortgage Lending, closing over 1800 loans. Kirk’s team especially enjoys helping clients achieve their dream of home ownership, utilizing Washington Mutual Bank’s direct lending product suite, competitive rates, and low closing costs. Kirk and his team appreciate the confidence that is placed with them as they provide the highest level of customer care and ethical service to each client. Together, this team works to give back to their community and create ease in home financing.

Jeff Gibaut, Senior Loan Consultant
Washington Mutual Home Loans
5829 Lone Tree Way, Suite D
Antioch
925-755-2165
925-755-2198 (fax)
jeff.gibaut@wamu.net
www.wamuloans.com/jeff.gibaut

Jeff has been working at Washington Mutual for nine years, ever since graduating from Cal Poly, San Luis Obispo. He offers a full range of mortgage loan products from purchase to refinance. Jeff is glad to be a part of the community he serves. He loves the East County and enjoys serving area residents. He and his wife, Julie, are California natives. They have a daughter, Olivia, and a Golden Retriever named Murphy. They transplanted themselves from San Ramon for the typical reason that they couldn’t afford housing. Now Jeff is thankful for his five-minute commute.

Roseann Jones, Ellen Samuels, Realtors
Summerwood Properties
3150 Balfour Road, Suite C
Brentwood
925-513-6288
925-516-7391 (fax)
rose.ellen@summerwoodproperties.com

Roseann and Ellen have been selling properties in the Bay Area for a combined total of four decades. They began selling Summerset Homes for the developer before some of the sites were even holes in the ground and sometimes would transport perspective buyers to sites in golf carts, occasionally staging impromptu golf cart races. They refuse to get so caught up in the nuts-and-bolts part of the business that they miss the fun part. Roseann and Ellen maintain a people-first attitude and work hard to be trusted servants, advisors, and guides to their clients.

Eric Karwowski, Mortgage Specialist
Omni Funding Services
8900 Brentwood Boulevard, Suite G
Brentwood
925-513-3720
925-207-8552 (cell)
eric@loansyouneed.com

Eric’s clients run the gamut of age, income-level, and credit scores. He repairs credit and creates property investment opportunities — sometimes doing both for the same customer. He mastered the art of rapid rescore, helping people with low scores buy the homes of their dreams. He offers Pick-a-Payment loans that provide maximum repayment flexibility. Clients praise his service and the fact that he is accessible. Eric has studied martial arts for 28 years and has taught self-defense techniques to various police departments. He laughingly says that he could protect his clients physically as well as financially.

Joseph Khan, Mortgage Broker
Omni Funding Services
651 First Street
Brentwood
925-513-3727
925-759-5184 (cell)
925-240-8796 (fax)

Joseph is a licensed real estate agent, specializing in helping clients make wise financial decision. Joseph’s perspective as a former registered representative financial advisor and finance director helps him identify the real needs of his clients. He is in the top 2% of his company’s loan originators. Joseph incorporates personal faith in all his decision-making processes. He received the “Peoples’ Choice Award” by his peers for service and leadership. His service to the community includes, among other things, his volunteer teaching of a personal economics class at Edna Hill Middle School.

Laura Montalvo, Mortgage Consultant
Discovery Mortgage
1181 Central Boulevard, Suite D
Brentwood
925-240-5643
925-325-8204 (cell)
lmontalvo@altadmc.com

Laura can’t remember when she wasn’t around real estate offices. Both parents were real estate brokers and Laura never considered any profession that didn’t have something to do with property. Her first job after high school was working for a title company followed by 17 years as legal assistant to a group of real estate attorneys. Her legal work cultivated an attention to detail that has served her well. Problem solving has also been one of Laura’s strengths; there’s nothing she likes more than tackling a tough case. She takes satisfaction in helping people overcome problems.

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