Author - Scotsman Guide

Authors

Roger Portela

Roger Portela is senior director of product at PayNearMe, where he leads customer-facing product development teams. With more than 25 years of payments and product experience, Portela ensures PayNearMe’s solutions lead the market by reducing consumer friction and offering the widest range of payment options and channels, all while staying focused on security and reliability to ensure clients collect every payment, every time.
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Archana Pradhan

Archana Pradhan holds the position of principal economist as part of the Office of the Chief Economist at CoreLogic. With years of experience in housing economics, applied econometrics and spatial analysis, she is responsible for analyzing housing and mortgage markets. Prior to joining CoreLogic, she was program manager and senior research analyst at the National Community Reinvestment Coalition. She earned her doctorate in natural resource economics from West Virginia University.
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Christopher Ptomey

Christopher Ptomey is the executive director of the Urban Land Institute (ULI) Terwilliger Center for Housing. The Terwilliger Center leverages the vast knowledge and experience of ULI’s membership to advance residential development and housing affordability through research, local and national convenings, and consultation. Prior to joining ULI in 2018, Ptomey led Habitat for Humanity International’s U.S. government relations and advocacy team for more than a decade. Ptomey holds degrees from Haverford College and George Mason University’s Antonin Scalia Law School, as well as a law license in his native Tennessee.
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Ashley Pulver

Ashley Pulver is co-founder of INX Insurance Services LLC, which administers FloodPrice.com. FloodPrice.com works with the nation’s top private flood insurers to provide agents and their policyholders with comprehensive flood-insurance coverage and rates that rival the National Flood Insurance Program.
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Joe Puthur

Joe Puthur is the president of Mortgage Coach, a leading borrower education and sales-enablement platform, where he has helped thousands of lenders meet the unique housing-finance needs of millions of U.S. homeowners. During his 20-year career, Puthur has played a prominent role in shaping the digital mortgage landscape and keeping affordable homeownership accessible. Puthur pioneered technology that transformed Encompass from a desktop tool to a software-as-a-service application. Reach him at joe@mortgagecoach.com.
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Mike Querrey

Mike Querrey is national sales manager for Castle & Cooke Mortgage, one of the nation’s leading independent mortgage lenders with locations across the United States. The company headquartered in Draper, Utah, has more than 300 employees and is founded on four core values — honesty, integrity, transparency and reliability.
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Aaron Rafferty

Aaron Rafferty is the CEO of StandardDAO and a co-founder of its subsidiary, CRE Hawk. He is a tech builder and behavioral scientist who previously pioneered research that merged behavioral science with advanced technologies. His companies leverage artificial intelligence and cloud technologies to create solutions that will advance humanity. Rafferty’s background in science and research, and his passion for solving tough problems, has led him to believe that tech, science and business can unite to bring about positive societal change.
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Paul Rahimian

Paul Rahimian currently manages a debt fund that provides construction financing to ground up real estate development projects on a national basis. He founded Parkview Financial in early 2010 and has since originated hundreds of commercial and residential loans, always plying his trademark hands-on management style. Distinguished from its competitors by dedicated in-house finance and accounting professionals Parkview is widely recognized as a pioneer in the industry, among the first to offer complete integration of loan origination and servicing. Prior to becoming a lender, Paul was a third-generation real estate developer and general contractor. Between 1988 and 2009, he successfully completed over $350MM in commercial and residential projects. His vast expertise and knowledge in the construction and development industry has benefited both Parkview and its borrowers. Paul received his B.A. from UCLA in Business/Economics and his Juris Doctorate from the University of Southern California.
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Steven Ramirez

Steven J. Ramirez is CEO of Beyond the Arc. For more than 20 years, he has been helping clients in financial services, fintech and technology develop data-driven strategies to strengthen customer experience, marketing and operations. Ramirez also advises clients on how to deploy machine learning and artificial intelligence to make better decisions. Under his leadership, Beyond the Arc was recognized by Clutch as No. 1 among the top 15 big-data analytics companies in San Francisco. Follow Ramirez on Clubhouse and Twitter at @beyondthearc.
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Gary D. Rappaport

Gary D. Rappaport is the CEO of Rappaport, a retail real estate company based in McLean, Virginia, which provides leasing, tenant representation, management and development services for more than 15 million square feet of retail space throughout the mid-Atlantic region. Rappaport is a former trustee and chairman for the International Council of Shopping Centers. He is also the author of “Investing in Retail Properties: A Guide to Structuring Partnerships for Sharing Capital Appreciation and Cash Flow,” which is in its third edition.
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Yanni Raz

Yanni Raz is CEO of HML Investments and has been a hard money lender for more than 10 years. Raz was a real estate broker for five years before he partnered with a group of investors from California and began assisting real estate investors in financing commercial and residential projects. He writes about real estate financing for magazines, blogs and other online news outlets. Reach Raz at (818) 308-4443.
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Michael Read

Michael Read is the founder and principal of Bridgeway Mortgage, a residential mortgage brokerage that is licensed in New Jersey, Florida and South Carolina, as well as Bridgeway Real Estate Services, a residential real estate agency. Both companies are located in Morristown, New Jersey. Learn more at bridgewaymortgage.com and bwyres.com. Reach Read at (908) 635-2745.
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