Michael has worked as a mortgage loan officer for over 16 years. After transitioning into the role of Vice President and Director of Marketing and Strategic Planning with Fidelity and Trust, Michael continued to achieve the highly regarded Diamond Club status for his efforts. His comprehensive approach and vast experience enables Michael to obtain loans for buyers that many other lenders simply cannot.

Today as Vice President with AmericaHomeKey, Inc., Michael shares his knowledge by teaching a wide range of classes to agents and buyers while actively working in the mortgage lending business. Michael can be heard frequently as an expert consultant on WTOP radio's Homevalue Highwire show.

Besides years of success, Michael's remarkable past includes graduating Magna cum Laude in business management from Yeshiva University in NYC and was Valedictorian of his class.

A native of the Washington area, Chris entered into the title business in 1998 after receiving his law degree from the University of South Carolina. He is a member of the District of Columbia and Maryland Bar Associations and enjoys regularly teaching continuing real estate education courses for local REALTORS^®. Chris is also an active member of the local real estate community with service to and membership in D.C. Land Title Association and the Greater Capital Area Association of REALTORS^® ("GCAAR") where he has served on the Contract and Clause Committee since 2001. Chris was honored by GCAAR as its 2007 Affiliate of the Year for his service to the real estate community. He specializes in residential and commercial real estate transactions and the resolution of contract issues.

He received his law degree from The Catholic University in 1975 and is a member of the Montgomery County, Maryland, District of Columbia, and American Bar Associations. Following completion of law school, Jim served as the law clerk to the Honorable Joseph M. Mathias, Judge of the Sixth Judicial Circuit of Maryland from 1975 to 1976. Jim is a former Adjunct Professor at Montgomery College, has lectured extensively on legal/real property issues, and has authored a number of articles in builder and real estate publications. He and his wife have five children. He is active in youth sports programs, the Catholic Youth Organization, school fundraising, and is a former member of the Board of Trustees of St. John's Episcopal School.

She specializes in taxes for REALTORS^®, doctors, TV personalities, members of Congress and self employed professionals. She is a perfect match for foreign clients since she speaks four languages and can do tax returns in six.

Brian's main goal in the mortgage business is "transparency", which seems to be sorely lacking in the mortgage industry. In his seminars he aims to bring mortgage basics to his audience, but also teaching them how to see behind the curtain into what is really going on with each mortgage transaction, that mortgage lenders never tell you.

Jill is also recognized as a five year Sterling Contributor to RPAC (the Realtor Political Action Committee) and has been a proud Member and active participant in The Greater Capital Area Association of REALTORS^® (GCAAR) for many years. In December, she received the GCAAR Affiliate of the Year 2009 award for her valuable teaching, training and support to the Association and the entire real estate community. She currently serves on the Contracts and Clauses Committee, RPAC and the Rookie Society. She teaches for GCAAR, the Camelot Real Estate Academy, the GCAAR Summit and for over twenty real estate brokerage houses in the region. Her dynamic seminars and continuing educations classes are frequently "Sold Out."

Ms. Pogach Michaels is recognized by and is a member of many professional organizations including the American Bar Association, the Maryland, DC, New Jersey Bar Associations, and the Federal Bar Association. The law firm reaches out to the community through pro bono efforts on a frequent and consistent basis. It is Ms. Pogach Michaels' belief that she needs to help others in a meaningful way and that the best gifts in life only come from giving to others. She does this by making regular donations to individuals in need, non-profit organizations, and through free legal work for destitute individuals. In addition to her non-profit work on the board, she frequently serves as in house counsel for several non-profit religious organizations on a wide range of legal issues.

Al is also special counsel to the Cecil County Board of REALTORS^®, Inc.; the Garrett County Board of REALTORS^®, Inc. and the Sussex County Association of REALTORS^®, Inc. in Delaware. Al is special legal counsel to the Greater Capital Area Association of REALTORS^®, Inc. and the Prince George's County Association REALTORS^®, Inc. on Code of Ethics and Arbitration procedures. He is special counsel to the Greater Baltimore Board of REALTORS^® on contract and addenda forms as published by the Regional Forms Committee and also has acted as special counsel to the Metropolitan Regional Information Systems, Inc. (MRIS) on multiple listing policies of the National Association of REALTORS^®. Al is also designated counsel in Maryland by the National Association of REALTORS^® for the enforcement and protection of the NAR REALTOR^® trademark.

Bob is a general practice attorney with extensive experience in both commercial and residential real estate. His practice specializations include real estate, like kind exchanges, preparation, review and negotiation of contracts, commercial and residential leases, corporation, partnership, and limited liability company formation and representation, purchase and sale of businesses, wills and estates. Home Team Title specializes in both commercial and residential real estate settlements. The company handles the full range of real estate transactions, including complicated commercial acquisitions, foreclosure and bankruptcy and estate settlements, like kind exchanges, standard home purchase transactions and refinances.

Bob is very active in GCAAR and serves on their Rookie Society and Education Committees. He regularly teaches numerous CE and non CE courses in Maryland and DC for REALTORS^® including Battle of the Contracts, Maryland Legislative Update, DC Legislative Update and Tenant's rights, Like Kind Exchanges under IRC 1031, Foreclosures and Short Sales, The Settlement Process, among many others.

Bob grew up in Bethesda and attended Walter Johnson High School, the University of Wisconsin (BBA 1975) and Georgetown University Law Center (JD 1978). Bob is involved in extensive community service work and is currently serving as President of the Brownstones at Park Potomac Community Association. He is an active sports enthusiast; avid skier and certified scuba diver. He has been married to Cindy Moses, a WJ classmate and active real estate broker for over 27 years.

A native Washingtonian, John graduated from Gonzaga College High School in the District in 1982, obtained his undergraduate degree from Gettysburg College in 1986, and received his law degree from the Catholic University of America in 1989. For the next two years, he served as a law clerk to the Honorable Irma S. Raker of the 6th Judicial Circuit of Maryland. John then conducted a general litigation practice in Rockville for the next 11 years, first as a partner in the law firm of Rowan, Quirk and Nalls and then as a sole practitioner in the Law Offices of John G. Nalls.

John is a member of the Maryland and DC Bar Associations and the United States District Courts for both jurisdictions. In addition, he is a member of the Character Committee for the Maryland Sixth Judicial Circuit, the Greater Capital Area Association of REALTORS^® (Affiliate Member), the American Land Title Association, the Maryland Trial Lawyers Association, and the Montgomery County Bar Association. As a lawyer, John merits an "AV" Peer Review Rating, the highest level, reflecting his exceptional skill and integrity as affirmed by the Martindale-Hubbell peer review. His varied and substantial legal background and experience allow him tackle even the most difficult transactions.

John continues to live in Bethesda with his wife and four children and remains active in the community, serving as volunteer co-director and coach of the Maplewood Football program for the past 17 years, as a CYO Board member and coach for the St. Jane de Chantal School, a member of the adult choir at St. Jane de Chantal Church, a Merit Badge Counselor for the Boy Scouts of America, and a member of the Bethesda Chevy Chase Chamber of Commerce and the Catholic Business Network.

Dave grew up in the Rockville/Norbeck area. After graduating from St. John's High School, he went on to graduate with his B.A. cum Laude degree from Catholic University and his Juris Doctorate degree from the University of Baltimore School of Law. He also completed an internship with a member of the British Parliament.

Dave is a member of the Maryland Bar Association Real Estate Section and served on the Education Committee at the Maryland Title Association. He is published in The Washington Times with his Op-Ed article on "The Subprime Crisis" (April 15, 2007).

Dave lives in Bethesda with his wife and their three daughters.

Everett loves to teach and is an instructor for Prince George's County's Association of REALTORS^® (PGCAR), the Greater Capital Area Association of REALTORS^® (GCAAR) and several local REALTOR^® marketing centers. He teaches courses in credit underwriting, FHA, FHA 203K lending and the short sale and foreclosure processes.

Everett is from Washington, DC and currently lives in Pikesville, Maryland with his wife Leeann and his twin girls; Lily & McKenzie. He is a graduate from St. Paul's School in Concord, New Hampshire and the University of Pennsylvania in Philadelphia, PA.

His goal is simple–Helping you achieve yours!

Throughout his tenure in the mortgage banking and brokerage industries, Jim has trained numerous mortgage lenders, mortgage brokers, mortgage insurance companies and real estate firms on best practices for qualifying homebuyers utilizing both manual and automated underwriting standards. Jim has trained thousands of loan officers, processors and real estate agents nationwide, on the proper deployment of Fannie Mae's Desktop Originator^® and Desktop Underwriter^®, Freddie Mac's Loan Prospector^®, and FHA's TOTAL Mortgage Scorecard^®.

Jim's training style is unique to the lending and real estate communities. He talks the talk and walks the walk. He also understands that encouraging an often, non-technology-oriented audience to transition to a foreign way of doing business requires intense motivation and a very clear statement of benefits... addressing "what's in it for me and my client."

Jim's approach to training is based on the premise that first and foremost, learning must be fun! To this end, Jim presents the humor that only a "trench" person knows and understands. His keen awareness of mortgage industry trends, coupled with his own industry perspectives and predictions, always add to his lively presentations.

Jim has been a licensed REALTOR^® since 1986 and has taught numerous courses for the Greater Capital Area Association of REALTORS^®, Inc. as well as for The Graduate, REALTOR^® Institute.

You see, Prabhjit started working in the real estate business at the ripe age of 13! He began by working with an agent specializing in foreclosure properties. Yes it is hard to believe - but it is true! When he moved to the Washington D.C. area, along with his family, they looked for a house for 7 YEARS! He had one real estate agent that they intermediately used throughout those 7 YEARS and they ended up not even using him, nor any other agent, when they finally settled on a house. The reason was simple- he was never looking out for them! And, more importantly, he did not have policies and procedures! Prabhjit learned much from this experience - what are the tactics that are used by real estate agents that never work as well as what buyers and sellers really want! After attending Johns Hopkins University and getting his degree in business and management he decided to go full-time into the field he knew - Real Estate, primarily buyer brokerage.

He now has his own real estate brokerage, NAAAM Real Estate Inc., servicing Maryland, Virginia and the District of Columbia, which continues to grow on referrals alone! Along with this, he has his own real estate school, Real Estate Empower Inc., which is an approved continuing education provider in the Maryland, Virginia and District of Columbia. While he continues to be a trainer of 1000s of real estate agents at the Maryland Association of REALTORS^®, Greater Capital Area Association of REALTORS^®, Northern Virginia Association of REALTORS^®, Prince Georges County Association of REALTORS^® and Pennsylvania Maryland Association of REALTORS^®. In 2009, he encouraged two associations to get their REBAC licenses and another to begin to start providing REBAC courses after not offering them for years! He is now the sole instructor for all the REBAC courses provided by these three associations! He wants so much to share with real estate agents what he learned the hard way, which is why he travels to speak at real estate conferences across the United States.

Prabhjit just completed his first book entitled "Washington DC Salesperson and Broker Exam Review," and is now working on his second books "What is your Policy on Showing Properties?: Policies & Procedures for Real Estate Agents." In his free time, he enjoys photography, listening to religious music and going on vacations with his wife.