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.
JERRY SAVIDGE
- ASSOCIATE
Jerry
Savidge, has joined Baltimore Financial bringing over 27 years in sales,
marketing, and management in both commercial real estate lending and
appraising.
Prior
to joining BFC spent 6 years with the Sacramento Office of Wells Fargo’s
Business Banking Group where he was actively involved as an analyst,
underwriter, and loan originator as well establishing new business relationships
for the bank. Jerry was also a manager in Wells Fargo’s Fresno Main Commercial
Banking Office in the early 1980’s.
In
between his banking career at Wells Fargo, Jerry was President of Egdivas
Enterprises, a real estate appraising firm, in the Sacramento area for over 10
years. Jerry also spent several years as an executive recruiter specializing in
high level corporate positions for the hi-tech industry throughout the United
States.
Jerry
received a B.S. in Business Administration with a specialization in Real Estate
and Urban Planning from California State University, Sacramento. He also
received a certification in financial planning from the University of Southern
California. Jerry is a past president of a Toastmasters public speaking group
and is actively involved in attending and supporting charity functions in the
Sacramento area. He is a member of Sacramento Chamber of Commerce and supports
fundraising events with Jesuit High School as a volunteer. Jerry has been
married for 23 years and currently resides in Fair Oaks with his wife and son.
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.
CHRIS CAPPETO
- ASSOCIATE
Chris Cappeto,
Loan Associate joins Baltimore Financial bringing over 15 years in sales,
marketing, and management in both commercial real estate lending and
technology.
Prior to
joining BFC, Chris learned real estate lending as an analyst, underwriter, and
loan originator at Wells Fargo’s Business Banking Group. His last
responsibility at Wells Fargo was as a Relationship Manager with Commercial
Mortgage Origination Team. As part of this group Chris originated and analyzed
loan participations and conduit loans with Wells Fargo’s correspondent banks.
Prior to
banking, Chris worked for two of the most widely recognized technology companies
in their fields, WebMD and WebEx. Chris opened new markets for these companies
in Northern California and New York/New Jersey, respectively.
Chris
received a B.S. in Biological Sciences from California State University, Chico.
He is a member of Napa Sunrise Rotary, the Napa Chamber of Commerce and a
volunteer with the Napa Economic Development Council. Chris currently resides
in Napa with his wife and son.
THERESE HALL - OFFICE MANAGER
Therese Hall brings to Baltimore Financial Corporation team more than 20 years
of professional business experience in real estate finance, sales, construction
administration, office management, and exceptional customer service. Therese is
a licensed real estate agent and has extensive knowledge of all phases from land
acquisition to the final stages of development and sales.
Prior to joining Baltimore Financial Corporation (BFC) team, Therese was active
in subdivision sales assisting customers in arranging financing and was the
office manager and customer service representative for Schellinger Brothers
Construction, a residential homebuilder. Prior to Schellinger, she was the
office manager for Polley, Polley & Madsen/Coldwell Banker, a large real estate
brokerage firm.
In
addition to assisting the President of Baltimore Financial Corporation, Therese
serves as the office manager and liaison for marketing and IT services. Therese
and her three children reside in Sonoma County.