Mr.(s) Vener and Claridge were pioneers in the "Second-Chance" property program when they founded Pacific Properties, Inc. in the 1990's and have a assisted thousands of satisfied clients 'walk away' from upside down, negative equity, properties.

For 16 years, Stuart Vener owned one of the largest mortgage companies in Los Angeles County. His real estate ventures date back to the 1960s. He developed a shopping and family entertainment center in the Orange County vicinity that often drew larger crowds than Disneyland.

He was real estate advisor and consultant to Noah Dietrich, the partner of Howard Hughes, and was personally involved in the acquisition, development and disposition of over 1,400 homes.

Mr. Vener held a real estate broker's license in California and Nevada and was a financial consultant to Morris Shenker, CEO of the Dunes Hotel in Las Vegas. He is one of America's most knowledgeable real estate investors/consultants.

Former President and CEO of the Richmond Corporation and Former Director and CFO of Transcontinental Development Corp., Mr. Vener is a paid consultant available to many Fortune 500 Companies.

Fred Claridge is the former president of 2 mortgage companies in Los Angeles, California. A former California licensed real estate broker, Claridge served as business development officer and Vice President Loan Officer for Union Bank, California; American City Bank; Imperial Bank and Lloyd's Bank, California. He was a former Director and Chairman of ICAN Associates, the Inter-Agency Council on Child Abuse and Neglect in Los Angeles.

In the 1970s Fred Claridge served as Advisor and Consultant to Al Lapin, Jr., CEO of International Industries. Claridge was instrumental in the franchising of their International House of Pancakes.

Both Stuart Vener and Fred Claridge are Directors of Community Housing and Development Corp., a charity that has been helping homeowners for many years.

Jim		Maryanne		Lisa		Nicole