My twelve years in residential real estate lending have been some of the most interesting years of my life. During my time in this business I have seen many changes in the availability of loans and interest rates going from the high nines to the low fives for a 30-year fixed rate loan.

My area of expertise is in first time home buyers and low to no down payment financing. I find that walking people through their first home purchase is a very rewarding experience.

I was born in Lynnwood, CA but grew up from the age of one in North Dakota. I graduated from the University of North Dakota, Grand Forks with a B.S. in Criminal Justice Studies.

I worked as a Salem Police Officer for seven years and spent the next six years starting my two sons out on the road of life. My husband has been a Salem Police Officer since 1982.

Both of us have been active in Salem-Keizer school activities, Salem United Soccer and Boys Scouts of America. We continue to enjoy our life in this great area of the Northwest!

Barbara has been in the lending industry or a related field for over 30 years. She has been a mortgage broker since 1983, opening her own company in 1985 and subsequently selling it in 1999. She served as VP of Marketing for Community Mortgage, Keizer, Oregon from 10/1/99 3/14/03. She currently is the managing broker for Reliance Mortgage LLC.

Barbara has played an active role statewide and nationally in numerous industry related issues since 1989. This includes 2 years working with FHLMC's national UNBOG committee, numerous Washington DC trips meeting with various legislators and or industry leaders. She has worked with the National Association of Mortgage Brokers regarding needed changes in RESP A and TILA, as well as other political issues.

Barbara has participated in state licensing issues since their inception and currently is Vice-Chair of the newly created state authorized Mortgage Lender Education Board. This non- profit entity has been charged with the responsibility of certifying the required mortgage broker education courses and their presenters.

She is the past president of the OAMB having held the position for two consecutive years, and been a board of director for the OMLA and the Oregon Association of Realtors. She has received NAMB's President's Award of Merit, been SAR's Affiliate of the year, OAMB's Broker of the year two different years, and received the OMLA's Hank Crawford award.

A lifelong goal, Barbara was awarded her BS in Business Administration from Kennedy Western University in 1999. She has written numerous articles and spoken throughout the country on various industry topics. She is a published poet and has written a detailed research paper on predatory lending which was published by the OAMB.

When not involved with her business endeavors Barbara turns to her "Life Book of Things to Do." Born in Germany she has retained her love for travel having been to numerous foreign countries, including China, Australia, Honduras, Guatemala, Mexico, Belize, and a dozen European countries. She has visited every state in the country including, Alaska which she visited in September 2002. She has gone white water rafting, hot air ballooning, flown a glider, driven a large moving van from Oregon to Colorado and mastered a track hoe. An antiques enthusiast and avid reader, known for her twisted sense of humor, one of Barbara's all time favorite things is to spend time with friends, her daughter Summer and husband Robert.

Barbara may be contacted at Barb@reliance-mtg.com or 503-315-2893 ext 1309

Karen grew up and graduated from High School in Silverton, Oregon. She started her career in the financial services field after graduation by attending college at Chemeketa Community College. She took classes for two years in Banking and Finance.

Karen has worked in various fields in consumer lending which included home refinances, second mortgages, commercial loans, new accounts, and investments for fourteen years at a local bank and credit union before transitioning into mortgage lending. Her responsibilities have included training new loan officers, processing loan files, and originating loans over the past eight years. She earned her certificate of completion for the State of Oregon licensing requirements for mortgage loan officers in July 2002.

Karen started with Reliance Mortgage September 6, 2003 as a Mortgage Loan Officer and she is looking forward to assisting buyers with their home purchase dream as well as refinancing their current home mortgage. If you are looking for a mortgage loan officer who provides:

• Honesty and Integrity
  
  
• Superior Customer Service
  
  
• Professional
  
  
• Communication throughout the transaction
  
  
• Knowledgeable
  
  
• Purchases closed by Close of Escrow Date
  
  

Then Karen would like the opportunity to earn your business.

When she is not involved in work related activities, she is usually spending time with her husband and three children or being a spectator at one of her children's sports activities. She has volunteered for West Salem Little League, Girl Scouts, ASA Softball, City of Salem Soccer, local trap clubs, and at various activities at Salem-Keizer Schools, and Annual SAR Food Drive.