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