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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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