I have over 35 years experience: -real estate sales -escrow -lending -banking -residential -income properties I hold a degree in business administration/marketing and have been licensed as a California Real Estate Broker since 1975. After 3 years as an escrow officer then 10 years in residential, multi-family and construction lending at a savings and loan, I even spent time in the S & L's REO department disposing of the bank-owned properties. I have been in real estate sales since 1996. In addition to the minimum requirements for continuing education, I have completed the Graduate Realtor Institute and Seller Representative Specialist coursework. I have recently served a 3-year term on the Grievance Committee at the San Diego Association of Realtors. I am married to Gregory Smith, the former County Assessor/Recorder/Clerk and we have 2 children in college. CA DRE#00515536