We are committed to providing you with the best possible financial service possible.

                             Home Loans, Investment Properties and Apartments    

                            
     John Hinrichs 
     Home Loan Lending -  Loan Officer - Manager
     John Hinrichs began his career as a manager with FinanceAmerica, a division of
     Bank of America, in 1982.  John gained experience underwriting, credit analysis,
     collections and sales of bank products and  services at Bank of America until 1986.  
     John joined First National Funding Group, a mortgage broker in 1986, as Vice President   
                             of operations till 1992.    In 1995 to 2008, John became the President of
                             REALTY WORLD Financial Services of  No Ca and No NV a mortgage banking company. 
                             In 2008,  John and his partner Pam set out on their own and developed a team of  industy
                             contacts from their years of experience, to help home buyers, home owners, and real estate
                             professionals with financial services.   As an independent, their firm can look outside the box
                             to find results.           
                             Education:  Bachelor's Degree Business from Mankato State University.    
                             Licensed real estate broker since 1978.
                             He has been an active member of the California Assoiciation of  Mortage Brokers. 
                             Contact John :   925-784-6410     john@johnhinrichs.com

                                 Marketing Partners

     
       David Ormonde 
       REALTY WORLD - Millenium - Real Estate Sales and Marketing President
       David has been offering real estate marketing services in Tracy, CA for 30 
       years.  His vast real estate experience encompasses everything from new custom home
       develpment, commercial to resale homes.  David Ormonde has been a licensed Real       
       Estate Broker in the state of California since 1989 and president of Cidejjko, Inc. since 
                                 1981. In addition to running the business of brokerage for Realty World Millennium,  Mr.  
                                 Ormonde also is the managing partner in Tradko Valley Associates, a California Limited 
                                 Partnership, as well as the managing partner for PJM, LLC, and Invesdko, LLC, both 
                                 holding companies for real estate in California. 
                                 Contact David:   209-832-0679    david@gotracy.com


         Pam Hinrichs
         REALTY WORLD - Millennium - Agent, Foreclosure Specialist, Processor         
         Pam Hinrichs, has been in the real estate industry since 1989.  She is dedicated to helping 
         clients make intelligent real estate and financial decisions.  She has held numerous 
         positions in the real estate, real estate agent, loan officer,  mortgage processing, 
         administration, and servicing of mortgage loans. From 1989 to 1992  Pam worked in the
         processing and escrow departments for First National Funding Group, West Covina, CA.
                                While at First National Funding, Pam became on of the owners of an Escrow Company and
                                acted as on of its managing partners and Senior Escrow officers.  From 1995 to 2008 she
                                served as Vice President of Operations, at REALTY WORLD Financial Services of No Ca and
                                No NV, a mortgage banking Company, managing all aspects of administration and loan
                                processing.  In 2008, Pam joined John as a team member.
                                Education:  AA Degree in Accounting from Parks University, Denver, CO
                                Licensed real estate broker since 1978  and Notory Public
                                Contact Pam:  925-784-6412      Pam@pamhinrichs.com


        Bernie Herriage 
        Save-More Lending - Loan officer, Processor                             
        Bernie Herriage, has been in the mortgage industry since 2002.  She is committed to 
        helping clients find the best home loan available at an affordable price.  She has been with 
        Save More Lending and was instrumental in breaking new ground with REALTY WORLD -  
        Millennium as an in-house lender for the last 2 years.   
                               Bernie's was born and raised in the Tracy, CA area and has worked with the Tracy Unified 
                               School District for 31 years.  
                               She is regarded as a strong asset where every she puts in her energy.
                               Education:  Graduate Tracy Unified School District
                               Licensed real estate sales agent.  
                               Contact Bernie   209-679-1062     bernie@gotracy.com         
        

       Linda Smith - Transaction Coordinator 
       REALTY WORLD - Millennium
       Linda has been with REALTY WORLD - Millennium and handles the real estate transaction
       coordination team.  She is well versed in all of the legal requirments regarding forms,
       compliance with DRE regulations.  Managing  each file includes compliance and ordering
       reports collecting documents and  providing agents a central location for their file
                                 management.
                                 Contact Linda   209-835-4545   linda@gotracy.com

                                
     Kellie Salis - Property Manager
     RWM - Property Management - Affiliate company which manages hundreds of single
     family residences.   Kellie has been with RWM for years.  She has extensive knowledge of
     all aspects of property management.   She has served in several roles in the real estate
     industry helping clients meet their needs. 
     Licensed Real Estate Sales Person
     Contact Kelli:   209-814-2035     kellisalas@gotracy.com


     Linda Brosnan - Property Manager
     RWM - Property Management - Affiliate company which manages hundreds of single
     family residences.    She has extensive knowledge of  all aspects of property management.  
     She has served in several roles in the real estate industry helping clients meet their needs. 
     Licensed Real Estate Sales Person
     Contact Linda:   209-835-4545     lindab@gotracy.com