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   R. JOSEPH MOORE - PRESIDENT

   RICHARD S. OGREN - ASSOCIATE

  STEVE RYLAND - ASSOCIATE

  EVA BUNAES - OFFICE MANAGER

 

 

 

 

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BFC TEAM

 R. JOSEPH MOORE - PRESIDENT

R. Joseph Moore formed Baltimore Financial, a boutique mortgage and investment brokerage firm, which would be responsive to the needs of small and middle market developers and investors. 

Mr. Moore brings more than 35 years of experience in banking, mortgage banking and real estate development to BFC.  Prior to forming BFC, Mr. Moore was responsible for the Northern California real estate lending division for The Imperial Bank.  Prior to this, he was responsible for the San Francisco real estate lending region for Union Bank.  In these capacities, his responsibilities included financing major developments nationwide and smaller developments locally.  Projects included all types of commercial and residential real estate.  Prior to joining these institutions, Mr. Moore was active in loan origination and appraisal of residential properties for Mason-McDuffie Co.  Throughout his career Mr. Moore has been personally responsible for financing in excess of $1 billion in real estate.

In addition, Mr. Moore spent several years with a client, Haas and Haynie, a major developer concentrating on high-rise office buildings and hotels throughout the Western United States.  He has also developed and renovated residential and commercial/income property projects locally for his own account.

Upon graduating from San Jose University, where he received a BS degree in Business and Industrial Management, Mr. Moore received a Certificate in Real Estate from the University of California.  He is a graduate of The School of Mortgage Banking at Northwestern University.

A licensed Real Estate Broker and General Contractor, Mr. Moore is a member of the Bay Area Mortgage Association, the California Mortgage Association, The California Association of Mortgage Brokers , the Texas Longhorn Breeders of America, and the Rotary Club of Petaluma.  He lives in Sonoma County with his wife and three sons where he has been a baseball and soccer coach.  Two older children are college graduates and have their own businesses. Mr. Moore is the past President and member of the Executive Board of the Marin Council Boy Scouts.

 

 

RICHARD S. OGREN - ASSOCIATE 

Richard Ogren has an extensive business background and brings over 30 years of experience to the Baltimore Financial team. He moved from Minneapolis, Minnesota in the mid 70’s to the Marin County. He grew up in the real estate industry, as his father owned a real estate sales firm with multiple offices in Minneapolis.

Richard has most recently been with The Financial Advantage as a mortgage loan originator. He developed the ability to provide solutions to complex lending scenarios, with various lenders. He was successful due to his ability to be creative and to think outside the box.

Prior to joining BFC, Richard was an executive recruiter with MRI, a business credit account executive with TRW Business Credit, a direct mail account executive with The ListMaster, and a commodities broker with ITG. He was also a manufactures representative and a regional sales manager in the wholesale apparel business. 

Richard graduated from the University of Minnesota in Business Administration. He has a series 3 Commodities Brokers License, and a Real Estate License in California. He is a member of the Bay Area Mortgage Association. He is married for 26 years and has two daughters that he has guided through college graduation. Richard currently resides in Petaluma, CA.

 

 

STEVE RYLAND - ASSOCIATE

Steve Ryland brings 34 years mortgage finance, development and investment experience to Baltimore Financial. Most recently he has been the President of Financial Advantage Mortgage, Inc. representing over 100 lenders to California borrowers.  Founded in 1990, the company served the greater Bay Area in financing single family residences, apartment buildings, and mixed use investment properties. 

Steve began his career in 1973 as a licensed sales associate for a boutique Marin County real estate sales company which specialized in investment properties.  In 1978 he co-founded and was Vice President of The Mills-Ryland Company.  His responsibilities included project management and financing.  The company’s focus was the rehabilitation of historical building throughout Northern California

Later, Steve was project manager for both Urban West Communities, building their 500,000 sf office park in Contra Costa County, and for the Hofmann Company, redeveloping a wholesale mart in the San Francisco’s Design District.

A native Californian, he moved from Southern California to the Bay Area in 1971 for his senior year of college at San Francisco State.  He has lived in Marin County since 1972 with his wife of 30 years.  They raised their two daughters in Mill Valley and now reside in San Rafael.

He has a CCIM Certification, a California Real Estate Brokers License and is a member of Bay Area Mortgage Association. 

 

 

 

EVA BUNAES - OFFICE MANAGER

Eva Bunaes brings to Baltimore Financial Corporation team more than 20 years of professional business experience in real estate finance, office management, and exceptional customer service.

Prior to joining Baltimore Financial Corporation (BFC) team, Eva was the District Secretary at a Marin County Public Agency. In this capacity she served as the liaison for the citizens, assisting with their requests on various projects and resolving issues.

Prior to the public agency, Eva was an executive assistant to a team of Banking Directors at Donaldson Lufkin & Jenrette and Credit Suisse in San Francisco in their Real Estate Division. The firm was active in providing debt and equity to the major real estate developers and investors through out the United States.

Eva began her career as a flight attendant with a major airline and spent 20 years traveling the world before getting married and starting a family.

In addition to assisting the President of Baltimore Financial, Eva serves as the office manager and liaison for marketing and IT services. She lives with her family in Sonoma County.

   

 

 
 

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Contact Baltimore Financial  

415/883-1593

info@Baltimore-Financial.com

31 Commercial Blvd. , Suite A, Novato , CA 94949

Fax: 415/884-2068

 

 CELEBRATING OVER 30 YEARS OF SERVICE