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PROFESSIONAL EXPERIENCE PROFESSIONAL EXPERIENCE PROFESSIONAL EXPERIENCE CONTACT ME ONLINE CONTACT ME ONLINE CONTACT ME ONLINE 8 ALABAMA // GUNTERSVILLE Ronald Hayes Karen Ruffin Kelly Cummings 1st Real Estate, LLC 1625 Gunter Ave. Guntersville, AL 35976 256.486.3775 phone 256.302.4166 cell 256.486.3775 fax Keller Williams Realty Madison 1593A Hughes Road Madison, AL 35758 256.503.3899 phone 256.503.3899 cell 866.543.4890 fax The Cummings Company 2316-C Knollwood Drive Mobile, AL 36693 251.602.1941 phone 211.331.9300 cell IN REAL ESTATE SINCE: 2006 IN REO SINCE: 2006 Bio I am ranked in the top 3 percent of all active Realtors in north Alabama by North AL MLS in number of units sold. I understand the REO process. I have 10 years' REO experience. My sales price/BPO for 2016 was 1.006. I have a degree in business management as well as graduate work in finance and economics. I operated a real estate development company for many years buying, rehabbing, managing, and then selling small apartment properties. I know the real estate business from all angles and have the ability to work with various government agencies and their inspectors. Technology Used Equator, RES.NET, Pyramid Clientele Chase, Citi Mortgage, Green River Capital, Selene Finance, Specialized Asset Management, Carrington Mortgage, Alta Residential, Caliber Home Loans, Citivest, Fay Servicing, Kondaur Capital, Olympus Asset Management, Quicken Loans, StoneCrest Acquisitions, USRES, VAREP M&T Bank, Skyhill, Keystone Asset Management, Dakota Asset Management, SingleSource Property Solutions, Computershare Loan Services Counties Served Marshall, Jackson, Madison, Morgan, Cullman, Blount, Etowah, DeKalb Services Valuation Services, Eviction Services, Loss Mitigation Services, Preforeclosure Services/ Analysis, Property Management, Property Preservation, Security Stabilization, Trash-Outs Accreditations Equator, RES.NET IN REAL ESTATE SINCE: 2007 IN REO SINCE: 2012 Bio I am a licensed Realtor. I specialize in representing my clients in the purchase and sale of single-family residences and income property within the cities of Huntsville, Madison, Hampton, Cove, Bailey, Cove, Decatur, Toney, New Market, Merdianville, and Harvest. I truly love this area and pride myself on my knowledge of current transactions, school districts, neighborhood information, and related services, including mortgage insurance and inspection information. I am a customer- driven Realtor dedicated to achieving results and providing exceptional service. Technology Used BidSelect, Equator, LPS Desktop Invoice Management, RES.NET Clientele Bank of America, Carrington, Wells Fargo, Bayview Financial, Chase, SingleSource Property Solutions, U.S. Bank Counties Served Madison, Limestone, Morgan Services Valuation Services, Property Preservation, Security Stabilization Accreditations ABR, CDPE, CRS, CNHS, Equator, Equator REO, Equator Platinum, Single Family Residential Affiliations WinDS, NAREB IN REAL ESTATE SINCE: 2004 IN REO SINCE: 2007 Bio My real estate roots run deep. I am a second- generation Realtor and broker/owner of The Cummings Company located in historic Mobile, Alabama. Starting with my father, the Cummings family has long been immersed in the local real estate market. My brother is an Alabama real estate commissioner, and my wife and son are Realtors at The Cummings Company. As the market was crashing and all real estate looked doom and gloom, I saw the opportunity and went to work developing relationships with asset managers and foreclosure companies. Clientele Fannie Mae, CLMG, SingleSource Property Solutions, PNC, Selene Financing, Reverse Mortgage, Freddie Mac, Bank of America Counties Served Mobile, Baldwin Accreditations RMS, SRS, CRS, CDPE, GRI Affiliations AAR, NAR ron.hayes21@gmail.com e-mail www.1st-re.com website karen.ruffin@att.net e-mail www.hsvrealtor.com website kelly@thecummingscompany.com e-mail www.thecummingscompany.com website