About the Authors

Steven Driscoll resides in Spokane, Washington and provides live and online training to mortgage professionals. Since entering the mortgage lending business, in 1995, he has been a mortgage branch manager, Loss Mitigation Consultant, and has given live and online presentations to mortgage professionals. Prior to mortgage lending, he was an internal consultant for banks and savings and loans in the San Francisco and San Diego, California areas where he gave training seminars on operations analysis and productivity improvement. He previously worked for one of the largest loss mitigation companies in Arizona and currently works for a loss mitigation company headquartered in Sacramento, California. He received his Bachelors of Science degree, from San Francisco State University in Banking, and MBA in Organizational Development, from National University in San Diego, California. He is also the author of six training and informative books:

• The Homeowner's Manual for Your Home Loan Modification (Co-authored with Donald R. Hubbard)

• The New Loan Officer's Handbook for Success

• The Loan Officer's FHA Loan Manual

• The Complete Loan Processor's Handbook

• Mortgage Lending Regulations and Laws (Co-authored with Frank Torch)

• The Trainer's Guide for the New Loan Officer's Handbook for Success

Donald Hubbard lives in Sacramento, California and is C.E.O. of United Mortgage Solutions (“United”), a Mortgage and Loss Mitigation Company based in Fair Oaks, California. Under his leadership United has grown to hundreds of agents and serves communities in over a dozen states.

Don achieved his Bachelors of Science degree in Business Management while working full-time for Intel Corporation. He attributes much of his success to Intel. After completing his Business Management degree he attended law school.

As C.E.O. of United Don also actively participates in numerous charities and social organizations. Under his leadership and encouragement United personnel also participate in various charities and have active internal programs for the less fortunate. Currently, every transaction with United results in a portion of the proceeds being donated to a charity of choice.

Don and the United attorneys have personally assisted property owners in the more complicated cases. He is an expert in real property specializing in speculation and acquisition. He now uses his years of experience and his expertise to protect homeowners and commercial property owners. Don is an avid reader who also enjoys skydiving, scuba diving, barbequing and just “hanging out” with friends and family.

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