Tri-State Mortgage

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Frank began his career in real estate in Denver in 1985 by becoming a real estate agent with Century 21. After four hard years, he moved the California where the real estate market was more lucrative. In 1991, he turned his focus to the mortgage business and became a loan officer. During his time as a loan officer he had experience with Fannie Mae, FHA and VA loans along with commercial hard money loans with various mortgage companies. Mr. Brock moved back to Colorado in 2000 and continued to work as a loan officer, first with Travelers Bank & Trust, a division of CitiBank later with Alliance Guaranty Mortgage. Mr. Brock started Tri-State Mortgage in 2003 and started with FNMA re-finances and new purchases. Mr. Brock was in charge of managing the office and other loan officers and became very profitable. Tri-State opened a second office in 2004 that worked the investment properties and investor market. Mr. Brock also did his own purchasing of real estate for investment purposes and still owns rental properties today. Paul has been in the banking and financial industry since 1998 and has a degree from the University of Texas at El Paso in finance and real estate. Mr. Hernandez started his career in 1988 with OmniBank located in Denver, Colorado. He worked there for 5 years and when he left was a loan officer, doing mostly consumer loans. He then went to work for Time Warner AKA HBO as a traveling auditor and worked with large companies such as Cox Cable, TCI and Adelphia Cable, for approximately 2 years. Since, this job required lots of traveling he decided to go back into the banking industry and took a position with KeyBank of Colorado and became one of the top sales performers in the Colorado Region and then was given the title of Key Sales Leader and his own branch located in the Denver Tech Center. Mr. Hernandez quickly became one of the top Sales Leaders and brought the non-performing branch to one of the top branches in the state. In 1998 Mr. Hernandez was approached by a mortgage company call Merchants Mortgage and Trust Corporation which specialized in fix and flip financing and commercial loans, to become one of their loan officers. He decided to take the position and work with the company from 1998 to 2009 and was promoted to Vice-President and became one of the top performers in the company. This is where Mr. Hernandez received a lot of his knowledge about fix and flip financing and this type of lending. In 2005 the company decided to expand its market and open offices in Phoenix, AZ and Albuquerque, NM. Mr. Hernandez was in charge of opening the market in New Mexico and made the region profitable. During that time the companies started doing more risky deals in other areas of business than the fix and flip financing and got itself into financial trouble and in March of 2009 Mr. Hernandez was laid off. Since, Mr. Hernandez has been doing traditional refinances, purchases and hard money loans and has been able to use his past client list, extensive realtor base and extensive customer base to make this successful. Ms. Pingree has over 20 years experience in the legal and financial industries. She started her career as a foreclosure/bankruptcy paralegal in 1986 at the height of the foreclosure boom in Colorado. She spent 10 years with Aronowitz & Ford, LLC, during which time she was instrumental in streamlining the foreclosure and bankruptcy documentation. She also oversaw the opening of a Newport Beach, California branch office, including setting up all the internal processes for that office. As the economy gradually improved, she turned her focus to consumer and commercial loan origination, including document preparation and closings. In 2003, Ms Pingree joined Merchants Mortgage & Trust Corporation as a paralegal in the compliance and legal department. As part of her duties, Ms. Pingree processed loan documents, handled loan closings and managed the offices of the on-site attorneys, which included bookkeeping and p