Ray was a Realtor with RE/MAX Greater Atlanta, recognized as top producer. He has been a Mortgage Lender for past 12-years, recognized as top producer. Ray served in training functions throughout his career. He was born in Savannah and raised in the Metro Atlanta area. Ray currently resides in Newnan, Georgia
He enjoys boating, skiing, tennis, golf, RV’ing and is an active member of his local church.
A. Shane Mask
28+ years in real estate sales - coaching - marketing - educating - motivating - mentoring in the real estate community.
In addition to being the founder of American Real Estate University, Shane has been the qualifying broker of over 500 agents since 1999.
Mr. Elmankabady has more than twenty years of real estate experience with specific expertise in sales and marketing throughout the United States and Middle East. His vast experience has enabled him to successfully obtain the following special designations; Real Estate Investment Specialist, Certified REO Specialist, Real Estate Auctions Specialist, and Institute for Real Estate Policy Resident.
Previously, Mr. Elmankabady was a Commercial Real Estate Agent with Coldwell Banker and Prudential Georgia. Other experience includes being a Managing Partner of commercial real estate with Solid Source Realty and Crye-Leike Realty. He was also a Managing Partner with Southeastern Homes and Developments that was located in Atlanta, Georgia.
Amanda is a wife, mom of two boys, UGA football fan, and a creative brand marketer. Amanda delved into sports marketing following her graduation from The University of Georgia, but learned early on that the general marketing field was calling her name. She has experience in the corporate marketing and agency setting with companies from Kyle Petty Racing to Philips. Corporate marketing lead her into the field of new home building in 2006, when she spearheaded the partnership of Atlanta's KB Homes: Created by Martha Stewart. More recently she contributed to the transition of a small private new home builder to the #4 largest home builder in the state.
Creativity and brand identity are an art. "I love strategically displaying the value in an individual or an entity to help reveal the brand of beautiful."
Angela Miller is a seasoned Real Estate Professional with over 20 continuous years’ experience, yet she is so much more than that. Angela possesses the rare qualities of truly caring about people and a dynamic positive attitude. She is always professional, never pretentious, with a bright and tasteful personality.
With that knowledge and experience, she maintains the highest standards of ethics and professionalism. Because of her standards, you can always be assured that she will professionally protect the interests of all parties involved in a real estate transaction.
Angie is a real estate veteran with over 17 years experience in the industry. She is a Local listing Broker for HUD properties. She offers buyer education to help prospects to understand the HUD process that will help her clients make an informed decision when purchasing a HUD HOME.
Anisha was born in NY and raised in Ponce, Puerto Rico. She graduated from the University of North Georgia with an Accounting Degree. She has a passion and commitment to provide excellent customer service and to build meaningful life-long relationships. As a Bi-lingual Mortgage Loan Originator with American Financial Network Inc., her drive and her passion to serve is always constant. She is drawn to educate and bring value to those in her network at every available opportunity. She believes that humans are innately called to connect and build lasting relationships, and she uses teaching and serving others as her catalyst.
Arvester is a seasoned Mortgage Loan Originator who has been in the mortgage industry since 1998, serving customers around the metro-Atlanta area and throughout the state of Georgia. He enjoys what he does and is extraordinarily skilled in finance and math which, allows him the ability to thoroughly explain the process to his clients from start to finish. Whether his client is a first or second time home buyer, looking to buy an investment, vacation property, or refinancing, he is capable. Whatever loan program needed, FHA, Conventional, VA, USDA or looking for a Down Payment Assistance program that fits, he can get it done!
Arvester is a native of Hopkinsville, Kentucky near Fort Campbell Kentucky, home of the 101st Airborne division. Therefore, he has a special sensitivity to veterans, their families and their needs.
Beth has 11 years of mortgage experience in Tennessee and Georgia a as a Credit Manager, Processor, Loan Officer and now Business Development Manager for the BlairSmiles Team with Element Funding. She loves networking and helping people realize their dream of home ownership. She went to Lee University where she received her degree in Business Administration. She loves to work with real estate agents and is an active strategic partner of the WCR. (Women’s Council of Realtors). Beth lives in Hixson, Tennessee with her husband Eddie and 4 wonderful children.
Brian Murphy is a real estate and estate planning attorney with 10 years of experience in the real estate field. He has worked as a title examiner since 2006, and has been a practicing closing attorney since graduating from Georgia State law school in 2010.
Before switching to law, Brian was a high and middle school teacher for 10 years. He taught a broad range of subjects from math to Latin, and enjoyed perusing his passion to help others learn, whatever the subject.
Brian has been married for 12 years and has two daughters. He is also further outnumbered by two female cats. When he is not practicing law or teaching, he enjoys reading and is an active member of his congregation.
Carisa Henderson is the Regional Builder Manager for the Southeast Division at New American Funding. Before joining New American Funding she supported many sales teams over the last 20 years as not only a Real Estate Salesperson but a Mortgage Banker and a Regional Sales Training Manager. She is passionate about seeing others achieve their goals and succeed in life. Carisa lives in the Atlanta area with her husband, Donny, two daughters, Julia and Jenna Brea and her fur-baby, Sophie.
Juan “Carlos” Kelley brings 30 years of real estate and mortgage lending experience. As a top performer Realtor/Broker he adds a new dimension to lending industry which allows him to deliver at a high level of service to both clients and Realtor Partners.
Christopher Hoitink joined MF&L as an associate in 2015. Mr. Hoitink practices primarily as a residential real estate lawyer.
Prior to joining MF&L, Mr. Hoitink was an associate at Hoitink and Dubuc, PC, where he specialized in Residential Real Estate and Estate Planning and Probate. Mr. Hoitink was admitted to the State Bar of Georgia in 2013 and the South Carolina Bar in 2014 and is a member of the State Bar of Georgia Real Estate Section.
Mr. Hoitink was born in Marietta, Georgia. He attended the University of Georgia, where he received a Bachelor of Landscape Architecture in 2005. Mr. Hoitink went on to practice landscape architecture for 5 years in Lawrenceville, Georgia. He then attended Atlanta’s John Marshall Law School, where he earned his J.D., cum laude, in 2012.
Curtis received his Georgia real estate license in 1994 and began selling real estate in 1998. He is currently licensed as a Broker in Georgia & North Carolina. In 2002 he was approved as a Pre-license, Broker and Continuing education instructor. His experience in real estate varies from managing, selling and listing residential real estate to commercial, property management, investment properties and consultation transactions. In 1998 he received the Coldwell Banker Buckhead Broker “1st Year Agent Achievement Award.”
Curtis is a graduate of Rutgers University with a major in both History and Business Administration. He is also a 2003 graduate of the Clark Atlanta School of Business Commercial REAP program.
His goal is to inspire and to provide thought provoking courses and seminars to make you take your business to the next level and move you into action. Known for his keep it real approach and interactive seminars he brings many exciting real life stories to life while making you examine your true self – Man/Woman in the mirror!
Curtis would rather be ridiculously insane than ridiculously boring, he believes that life is about choice and attitude. He strives to encourage rather than discourage. Curtis believes that once his audience feels competent in the subject matter they will instantly become confident.
ABR, SRES, GREEN, ABR, CBR, CTM, CRS, GRI, C-CREC, E–Pro, TCS, GAR & REBAC Approved Instructor
I was born and raised in Northern California and recently relocated to Atlanta, Georgia. My experience started in California at Capital Direct Lending where I worked alongside a successful team. As the Business development manager, I am available to assist on real estate transaction, with knowledge and team support. My personal goal and commitment is to be the best partner to help support your business.
DeAnn Ellis has been a leader in the mortgage industry for more than 22 years. She built her experience in home lending by working for various lenders and even has owned her own mortgage company. Through the years, DeAnn has been recognized for her expertise and has earned Top Producer honors from 2003 through present.
Born and raised in the Atlanta area, DeAnn has called Covington home for 20 years. She is a member of the East Metro Women's Council of Realtors, East Metro Board of Realtors, Board Member for Action Ministries and is an instructor for American Real Estate University. She was recently featured on the cover of Top Producers Magazine as a top producing loan officer.
DeAnn enjoys working with homebuyers and is an expert on a wide variety of mortgage products. Her passion to help people achieve the American dream of homeownership is evident by her dedication to her clients. To find out more about prequalifying for a mortgage, refinancing or if you just have questions about the mortgage process, call DeAnn today and work with an experienced and knowledgeable mortgage professional committed to quality service.
Debbie is a licensed Associate Broker of American Realty Professionals of GA. Prior to being licensed, she owned a ‘branding and marketing’ company, facilitating campaigns and promotions of real estate boards and brokers. It became obvious that she needed to get her real estate license. Debbie enrolled in class, August 2005 and November 9, 2005, Debbie took the state exam and passed the first time. The next day, she wrote two half million dollar contracts. She received ‘2005 Rookie of the Year Award’ for ReMax Premier with over $1M(+) in sales within two months. Debbie went on to receive the ‘2007 Salesperson of the Year Award’ from the Empire Board of Realtists. Debbie was called the ‘Renaissance Woman’, where she was Featured as the cover story of R.E. Magazine, February 2008 Edition. Although there was a market crash in 2008, Debbie took advantage of the time and enrolled in online classes and obtained her Brokers license, September 5, 2014. She continues to enjoy the industry. She has several real estate designations but admits nothing is more rewarding than working with the service men and women of this great country. Debbie says as a Real Estate Instructor, it is a joy seeing her colleagues making sure they are professionally equipped to serve their clients.
Dennis is a native Georgian residing in Walton county with his wife Rebecca, children Jackson, Ella, Charlie and Lulu. He is very active in his community; coaching recreational basketball and soccer. He enjoys playing golf, fishing and spending time with his family.
Dennis has over 19 years mortgage experience. Taking great pride in providing his clients with exceptional service. Dennis’s knowledge of the industry, dedication to clients, and service commitment make the mortgage process seamless for home buyers, Realtors, and builders alike.
Give Dennis the opportunity to earn your business. His expertise lends tremendous value to your overall mortgage experience. Let him provide you with various options to help structure the mortgage that is right for you. Get in touch with Dennis today!
Eric has a wealth of professional and personal experiences that cover a broad spectrum of disciplines. He became a licensed agent in 2009, but his life-long focus has been to help people grow in their greatness. Through mentoring and coaching companies have received record breaking contracts; mentees, careers in professional sports; and personally, fulfilled his dream of owning a personal growth and development company.
In his engineering and human resources /safety careers he was responsible for enhancing performance, which continues in his current position as the M-Powerment Coaching Director and School Coordinator at American Real Estate University.
Freddie is a 28-year retired veteran of the US Army. He received his undergraduate and masters degrees in Business Administration. While in the Army he served as a First Sergeant and Division Chief where he led hundreds of soldiers. Freddie will bring his vast array of knowledge of the military to the classroom.
Hilary was born and raised in the UK and moved to the US in 2005 with her US Air Force husband (now retired). Her experiences have strengthened her by way of commitment to serve, providing a platinum customer service, and a desire to inform and educate. She has a Masters in Anthropology, which speaks to her love of meeting people from all walks of life. Her transition to Residential Real Estate sales in 2012 allows her to maximize her project management skills and innate ability to counsel and reduce stress for her home buying and selling clients. Since early 2015 Hilary has developed her expertise as a Seniors Real Estate Specialist, working to assist older Americans with their real estate needs. Her process is not just about the house, it's about the people!
J. Scott Jackson – Retail Construction Manager
Fidelity Bank - Vice President of Mortgage
J. Scott Jackson is a 20 year Mortgage Industry veteran with experience in all aspects of the industry from Wholesale Lending Representative, Loan Originator, Production Sales Manager, Commercial/Portfolio Lender and Underwriter and currently as a Vice President of Mortgage, heading up the Retail Construction Department for Fidelity Bank. This vertical department within the Mortgage Division concentrates on Renovation loans, both Secondary market and Portfolio products, as well as Construction loans. His mortgage bankingcareer has been primarily with smaller community banks in Northeast Georgia and around the metro Atlanta area. He has a unique set of skills and knowledge base centered specifically onRenovation and Construction lending for the last 9 years of his career, in addition to his base knowledge and experience with conforming mortgage products, processes and applications.
Jackie Ulmer is a social media and impact marketing strategist, teaching direct sales, real estate and other sales professionals how to create leads and referrals while networking and living life on the go, with High Tech, High touch proven techniques. If you’ve ever struggled with finding new people to share your business with; what to do with that stack of business cards you collect at networking events; how to turn those into business, referrals and CASHFLOW, then this is for you. You'll see how to combine 3 powerful concepts - Networking, Impact Marketing and Social Media into a solid strategy for business growth.
Jeri Godhigh is the Real Estate Broker & CEO of the Godhigh & Associates
Realty Company. She has led a successful real estate career for the past
13 years. Her business has been anchored by the dynamics of Excellent
Customer Service in which they focus on a quality and successful experience
within a full service real estate team whereby encompassing the client’s
dream home from conception to closing is their number one priority.
Mrs. Godhigh is originally from the Washington DC Metropolitan area and
has lived in the Acworth area for the last 23 years. Jeri Godhigh believes in
serving the community and to assist in the enablement that everyone can live
the american dream and providing steps to leaving a legacy for generations
Katie Beam has been a market leader for both residential and commercial Real Estate Professionals over the last 15 years. She has been involved in several new development and redevelopment projects throughout Southeast Atlanta. Katie has dedicated her gifts of serving others through the Chamber of Commerce, serving on the Board of Governors, Rotary Club of Conyers, Prevent Child Abuse Board Member and Restoration Storehouse Center as their Community Liaison Board Member. Katie is full time in building Realtor Relations and works with the Who’s Who of Real Estate. Her passion is aligning realtors with new strategic partnerships to strengthen their service lines. Katie works daily with agents, agencies, mortgage lenders, and lawyers; just to name a few to assist with the important process of buying any type of Real Estate. Katie specializes in teaching realtors about the details involved with home inspections, radon or mold testing, infrared scans, pest inspections and other services needed during the home buying process. Call Katie today as she is committed to serve you with the highest standards and professionalism.
** 28 Year Law Enforcement Professional
** 24 Years as a Police Supervisor
** 20 Years Experience in Classroom Instruction
Kevin has 38 years of lending experience including 18 years as a Top Producer. He has closed more than 2,100 mortgages assisting thousands of people in realizing the dream of home ownership. Kevin takes pride in quoting exact fees and giving sound financial advice. He is a straight shooter and will tell you the truth every time! Kevin resides in Chattanooga along with his wife and has three children and nine grandchildren.
LaKeiya Keese received her Undergraduate and Masters Degrees in Accounting. During her 15+ year accounting career, LaKeiya Keese has managed billions of research dollars as the Compliance Manager; uncovered over a million dollars of employee theft; developed and implemented Internal Control Policies & Procedures for companies; and prepared tax plans for individuals to million dollar corporations. Throughout her illustrious career, LaKeiya’s main focus has been educating and empowering her clients. Because she is an entrepreneur, her passion is helping business owners grow and flourish. She also pours into her students as an Accounting and Economics Professor at Underwood University. Because LaKeiya has been a licensed Real Estate agent since 2009, she understands the challenges agents face. Her designations as an Enrolled Agent (federal taxation expert that represents individuals before the IRS) and QuickBooks Proadvisor makes her a valuable asset to the real estate community. LaKeiya’s company Keese Accounting Solutions (KAS) enables it clients to experience peace of mind regarding taxation and accounting so they can focus on their area of expertise.
GET TO KNOW YOUR REAL ESTATE TECH INFORMANT: LEE DAVENPORT
Armed with degrees in business administration and legal studies, Lee Davenport is a thought leader in the real estate community and speaks across the nation at various REALTOR® associations, realty firms and real estate conferences (including Inman Connect). Additionally, Lee has article features in consumer reads including the Huffington Post, South Philly Review, the Detroit News, and the Atlanta Journal-Constitution. Moreover, Lee has been a contributing writer to numerous trade publications including REALTOR® Magazine, Atlanta Agent Magazine, RE Technology, Arizona Realtor Voice, KatieLance.com, ActiveRain, RESAAS (named one of the top 5 bloggers), and Inman News (named one of the top 25 real estate coaches) to name a few. She is affectionately known for helping real estate pros learn, include, and apply technology to everyday real estate tasks.
Lillie Fuse Williams
Lillie Williams born in Americus, Georgia. Now, Lillie Fuse Williams, has grown to be a knowledgeable and well-trained instructor who wants to help you start and build your real estate career. She will provide quality training and education with excellent resources Her educational accomplishments include a Bachelor Degree in Chemistry, Georgia Southwestern State University; Masters of Education in Secondary Science- Columbus State University and the Specialist Degree in Leadership and Superivision- Troy State University in Alabama. She has over 33 years of experience in real estate with over 600 + hours of training and education by some of the top instructors of Georgia as G.Dunn, T. Gillett W. Gaddy, And C. McDaniels and Flores in Hawaii among others. Currently, she is pursuing her doctorate in Higher Education: Organizational Leadership for Adult learners. She holds designations and certifications in Seniors Real Estate, Broker Price Opinions & Military Relocation Service and New Homes Construction. Her service over the years encompassed serving as a sales associate, associate broker, managing broker, owner/broker of her own real estate firm,and qualifying broker. Now as a licensed instructor for real estate, Lillie is living out one of her dreams....helping others become good agents.
Lillie holds an instructor's license from the Georgia Real Estate Commission and is approved for Pre-License Salesperson, Post Licensing (for new agents and experienced agents CE- 25 hrs) and other CE courses as Georgia License Law, Code of Ethics, It's Listing Time, Fair Housing and others. She works under the auspices of great progressive schools , such as the one you are registering for, AREU. You can be confident Lillie is well-qualified and certified for the role of your instructor in real estate.
Please know that Lillie has a passion for teaching and a love for real estate. Putting the two together makes for a phenomenal journey! She is a dynamic public speaker, a professional in every aspect of her work life and enjoys what she does. She is here to help you be successful in what you set out to do in this profession. With over 34 years of experience in her book of life, she will certainly provide you with superior learning experiences in the discipline of real estate.
Magali has been in the real estate industry for over 15 years. As a seasoned real estate investor, she has personally brought and sold hundreds of properties. She also excelled as a realtor who specialized in the Luxury Homes in her native Miami, Florida market. Today, as a Mortgage Loan Originator she prides herself on working hard and getting the deal done. Magali is a certified coach, motivational speaker and trainer.
Mark is an Atlanta native who has literally served thousands of homebuyers, builders and Realtors as a mortgage lender since 1999. He brings an inspirational leadership style to all of our classrooms. His peers and colleagues describe Mark as a driven and dynamic sales leader with the ability to connect with large audiences. Mark has served as the past chairman of the nation’s largest Sales and Marketing Council and has been the recipient of the “40 under 40” award by the Jacksonville Business Journal.
“The formula is simple; I believe that the secret of top performing teams and individuals is empowering yourself first, your clients and business partners with the very best knowledge, attitude and industry service available.” - Mark Carlson
Mark Higgins has been involved with real estate since 1990. At first he was the I.T director for one of the largest real estate companies in South Carolina and later got his license in 2001. In 2006 he earned his brokers license and started his own firm to do property management. He is licensed in both Georgia and South Carolina. He specializes in lakefront property. He is a graduate of the University of Georgia with a BBA and has an MBA from California Coast University. He has vast teaching experince in teaching technology courses.
Marshall McCart has been a licensed real estate salesperson in Georgia since 1995 and holds a BBA in real estate from the University of Georgia. Specializing in land and commercial, Marshall is also active in numerous other business endeavors and has been teaching since 1996.
Nancy Barlow has a wealth of experience to guide buyers through the mortgage process. She has worked in all aspects of the mortgage industry for 40 years. She is a native of Georgia, growing up in Dekalb and Clayton Counties. She graduated from Clayton State College with an associate degree in business. She sees mortgages like a challenging puzzle and works to put the pieces together completely and accurately. Nancy makes sure everyone knows what’s going on throughout the process, and if there are hurdles, she’s upfront about them so everyone is aware.
Respectfully called Mr. O in his local business community, is known for educating and helping numerous entrepreneurs launch and grow their businesses. He worked several years in the pharmaceutical industry as an Account Manager, International Sales & Marketing Manager (Germany), and as a Corporate Trainer. He also has been an Adjunct Professor teaching Entrepreneurship. He has trained and worked in 9 different countries. In addition to providing accounting and real estate services to individuals and business owners, he is committed to teaching tax preparers and real estate agents how to save money by understanding the principles of tax and real estate accounting.
Education & Certification
Licensed Real Estate Broker
Certified Quickbooks ProAdvisor
Enrolled Agent (EA)
MS - Accountancy
MS - Business Administration
BS - Chemical Engineering.
I have been in the mortgage industry for 15 years. I have always personally originated mortgages and have also worked in management and executive roles for mortgage companies and banks. It has always been my goal to help people achieve the dream of home ownership. I have always adhered to my core values of honesty and integrity it all my mortgage and business dealings.
Randall “Randy” graduated from the University of Georgia with a Bachelor of Arts degree in History and received his Doctor of Jurisprudence from Mercer University Walter F. George School of Law in 2003. Prior to co-founding McMichael & Gray, PC, Randy was the cofounder of Adair, McMichael, Blackburn & Gray, LLC, (2010 -2011), Managing Partner of McMichael & Gray, PC. (2006 – 2010) and the managing and marketing attorney for Trey Inman & Associates, PC (2004 – 2006).
Areas of Practice: Corporate Formation and Governance, Homeowner and Condominium Association Formation and Governance, Real Estate (Acquisition, Commercial, Construction & Residential).
Admissions & Memberships: Member of Perimeter Church, Mortgage Broker’s Association of Georgia, Homebuilder’s Association of Georgia, Real Property Law Section of the State Bar of Georgia, State Bar of Georgia.
Ray was born in Savannah and raised in the metro Atlanta area. He was a Realtor with RE/MAX Greater Atlanta and recognized as top producer.
Currently, Ray is a Mortgage Lender for past 12-years and also recognized as top producer. He served in multiple training rolls throughout his career. Ray currently lives in Newnan. He enjoys boating, skiing, tennis, golf, RV’ing and is an active member of local church.
Practices: Real Estate, Probate, Wills & Estates, Business Law
CEO - The Webster Firm, PC, Duluth, Georgia
Steven Webster is a licensed attorney who has practiced in the Atlanta Metro area for more than twenty years. He practices in the areas of real estate, bankruptcy, dispossessory actions (landlord only), and general litigation. During his tenure as an attorney, he has closed over 17,000 real estate transactions and has handled thousands of bankruptcy, dispossessory and general litigation files. Although his primary office is located in Duluth, GA, he maintains closing locations throughout the Atlanta Metro area and across Georgia.
Tammie's career path has included being a REALTOR® in Georgia for 12 years and also previously holding real estate licenses in California and Florida. Tammie earned her AA Degree in Criminal Justice/Arbitration/Mediation from Georgia State University in 2013. The opportunity to begin a new career with a the largest non-bank lender in Georgia has been a dream come true. Tammie's goal is to share her real estate knowledge and build a working agent/lender relationship through training with all aspects of the contract forms and lending guidelines.
Tom has over 20 years in the mortgage industry. He has experience with all regular purchase
programs with a special emphasis in renovation and construction. His goal is to consult and analyze all
aspects of the financing process and offer the best solution for the customer as part of their overall
financial situation. Home purchase is the biggest financial decision, so the key is to fully inform the
homebuyer and make their financing experience a positive and smooth one. Tom has a strong
commitment to making homeownership a reality for his clients and has been very active in homebuyer
education throughout his career. Tom has a Bachelor of Arts degree in political science and an MBA. He
is always available to answer any questions regarding the purchase or refinance of all types of residential properties. Click here
for more information about Tom and his services.
Zerlina is an Atlanta Georgia native and attended Luther Rice University, where she majored in Theology.
Since entering the Real Estate Industry in the year 2000, Zerlina has prided herself in her passionate and heartfelt drive to serve her clients best interests. She is dedicated, knowledgeable, and committed to providing exceptional service for her clientele.
Over the years, Zerlina’s devotion and unparalleled customer service has resulted in a continuously expanding network of loyal clients and referrals which resulted in her starting her own “Contract to Close” Virtual Assistance Company.
Passionate to her craft, she continuously seeks to stay ahead of the game when it comes to real estate technology & and trends. Zerlina is a CE Certified Dotloop Trainer, and teaches classes to Realtors on how to effectively service their clients in terms of Online Transaction Management.
Zerlina is a devoted mother to her son Kaleb. Zerlina enjoys family time, reading, & exploring new cities / attractions.