Stephen (CRB, CRS, GRI, ABR, SRES, CSCA) realizes that in order to provide you with a level of service that will exceed your expectation, he needs a staff of highly motivated, service-minded professionals that can help with all the details, keeping you informed and relaxed every step of the way. And, there is no staff he is more proud of than the team of professionals he works with every day. His commitment to state-of-the-art technology has earned his team the nickname of the “E-Team” (Electronic Team). That's why when you work with Stephen, you not only get one of the most respected Realtors® in the area, you get an entire team of professionals that has over 500 years of combined real estate experience whose ultimate goal is to save you time and money. Working Directly With Stephen… Lauren Ashley O’Hara, CSCA Gosia Kawczynski, CSCA, GRI Stephen is supported by the services of… Karen Crosbie (Laguna Escrow Services) Jerry Bieser (Chicago Title) Susan Parsons (Maybach Mortgage) Sharon Whaley & Sandy Dow (Home Warranty), and Paddy Mikkelsen (Insurance) ASHLEY O'HARA, CSCA, Realtor® (up) For those who have known Stephen for many years, yes it's true. His "baby" is all grown up, and Stephen couldn't be any prouder to have his daughter work with him. Ashley has worked in and around the office since she was five (5) years old, and has always been a "people" natural! ! A good student, a good person, Ashley has "seen it all.. She loves serving clients - in fact, typically her clients become her friends! If there's one thing Stephen's clients are happy about is that Ashley is continued his high level of service and care. She returns phone calls as fast as Stephen and she's 100% an advocate for her clients needs. To meet with or contact Ashley, either CONTACT STEPHEN or simply call toll free at 1-800-462-3511. Be sure to ask for Ashley! GOSIA ("Gosha") KAWCZYNSKI, GRI (up) Gosia (Pronounced "Gosha") is multi-lingual (Polish, Russian and English). Against all odds, she has won top real estate awards. Gosia's expertise is working with buyers who are relocating to Southern California . She has managed the relocation department of a major franchise real estate office. Her clients have trusted her with their pets, their children, and their money. Gosia believes that when she delivers quality service to her clients, success naturally follows. Gosia's proudest achievement is her ability to balance her life between her clients and family. Gosia says, "My clients become my extended family. They are my friends." Gosia has lived in Orange County since the mid 1980's. Along with her husband Greg, Gosia enjoys spending time with her two sons, Alex and Andrew. Andrew is an award winning hockey player himself and hopes to eventually become a professional hockey player. In 1988, Stephen "discovered" Gosia when she was in real estate school and has admired her tenacity and will to succeed. Amazingly, the two have been together ever since. To meet with or contact Gosia, either CONTACT STEPHEN or simply call toll free at 1-800-462-3511. Be sure to ask for Gosia! KAREN CROSBIE, Laguna Escrow Services (up) People have asked Stephen whether or not he owns Laguna Escrow Services (LES). Although Stephen doesn't own any interest in LES, with so many good things to say about Karen Crosbie (Vice-President) and Laguna Escrow Services, it probably sounds like he owns them. Stephen and his associates have worked closely with Karen since 1988 – so they understand each other. Many real estate companies do own their own escrow company which makes Stephen a little uncomfortable. Stephen believes that everyone's interest is best served when an escrow company is TOTALLY independent of BOTH brokers and clients. Laguna Escrow Services is a full service, independent escrow corporation. They are governed by the rules and regulations of the Department of Corporations. ("Broker Owned" Escrow Companies are typically NOT regulated by the Department of Corporations.) Why is this important to you? You can be assured that your money is secured with the Bonding requirements and Audit Procedures that are mandated by the State of California, for an Independent Escrow Company. Laguna Escrow Services provides service that you can depend on for: Residential - FHA and Conventional Refinance / Equity Loans Exchanges Commercial and Industrial AITD / Land Contracts Short Pay-Off (Conventional VA/FHA) Acreage Trust Deeds and Notes Apartments Notary Service (Call for an Appointment) Karen has built her company by specializing in CLOSED escrows! She says, "A sale is not a sale until the escrow closes!!!!" Stephen couldn't agree more! For FREE INFORMATION on Escrow Services either CONTACT STEPHEN or simply call toll free at 1-800-462-3511. Be sure to ask for the FREE Escrow Service INFORMATION. JERRY BIESER, Chicago Title (up) Among real estate professionals, the name Jerry Bieser carries with it the Chicago Title reputation, known for outstanding customer service, untarnished integrity and a solid enduring identity within the industry. His positive outlook and leadership skills have launched his success, but the experience and knowledge he lends to his profession ensure his longevity. During his 30 years in the business of title insurance, Jerry has devoted 25 years to Chicago Title as a consistent top producer, as well as a mentor. He takes pride in his company and gladly shares his expertise with others; from the #1 rated agent to the office receptionist. His work ethic is unmatched and he's continually innovating new ways to serve his clientele. With a centrally located office, experienced staff and over hundreds of successful transactions, he has redefined customer service. For FREE INFORMATION on Title Insurance either CONTACT STEPHEN or simply call toll free at 1-800-462-3511. Be sure to ask for the FREE Title Insurance INFORMATION. SUSAN PARSONS, Maybach Mortgage (up) When Stephen's told “it can’t be done,” he calls Susan! An Orange County native, Susan has two daughters who are also both in lending and a grandson who, at four, already is showing signs of understanding mortgages! She has been “delivering dreams” (as she defines lending) since 1981 and has worked in upper management for Mortgage Companies in both Orange County and Phoenix, AZ. Because Susan has worked on both the wholesale (lender to lender) and retail (lender to consumer) of the mortgage, she has a keen understanding of what it takes to put a loan package together. Working closely with Stephen, Susan is able to customize a loan to fit the needs of almost any borrower. "If you filed bankruptcy yesterday, I can get you a loan! My loan programs are the TOOLS that Stephen uses to make dreams happen," says Susan. Susan loves to cook, entertain, decorate her home and spend lots of time with family and friends. For FREE INFORMATION on a loan program to fit your needs (good or bad credit), either CONTACT STEPHEN or simply call toll free at 1-800-462-3511. Be sure to ask for the FREE LOAN PROGRAM INFORMATION. Sharon Whaley and Sandy Dow, Fidelity National Home Warranty (up) With over 31 years in the real estate industry between them, Sharon & Sandy are known for their superb customer service. Their professionalism and commitment to our clients is what makes the difference and that is why we continue to recommend Fidelity National Home Warranty on all of our transactions. Sharon is a licensed, agent and is the “technical” part of their team while Sandy is the more “social” side of the team, being previously named “Affiliate of the Year”. They both understand how important it is to have knowledgeable and reliable members on your team and both are very capable of handling any situation in those gray areas. Fidelity National Home Warranty is a member of the Fidelity National Financial family, (FNF on the NYSE), number 326 on the Fortune 500 list and ranked #6 of America’s Most Admired Companies in 2003. The Company had total revenue of $5.1 billion and earned more than $530 million in 2002, with cash flow from operations of nearly $815 million. Fidelity offers the most comprehensive coverage in the home warranty industry and is available for your emergencies 24 hours a day. To meet with or contact Sandy or Sharon, either CONTACT STEPHEN or simply call toll free at 1-800-462-3511. Be sure to ask for Sandy or Sharon! PADDY MIKKELSEN, Insurance (up) Stephen has known and worked with Paddy for many years. Many folks are paying huge premiums for insurance as a result of mold and other natural disaster issues. As a member of Stephen's team, Paddy stays on top of "which" insurance carrier is taking good care of Californians "today. Most of Stephen's clients have been DELIGHTFULLY surprised with their rates dropping significantly as a result of Paddy’s efforts. For FREE INFORMATION on HOME & AUTO Insurance, either CONTACT STEPHEN or simply call toll free at 1-800-462-3511. Be sure to ask for the FREE INSURANCE INFORMATION & QUOTE!! Moving outside of Orange County? Over the years, Stephen has developed a long-term partnership and friendship with many real estate professionals throughout the United States. Typically, Stephen originally met these fine folks as a result of his activity in the various professional organizations in which he is a member. These are the “best of the best.” In order to get on this list, these folks HAD TO IMPRESS Stephen and his clients whom they have helped a lot – a whole lot. To meet with or contact one of Stephen’s National team members, either CONTACT STEPHEN or simply call toll free at 1-800-462-3511. Be sure to tell me the city, state and some “wish list” items along with a description of the type of home you are thinking about. Stephen gives these inquiries a TOP PRIORITY.