My name is Angela  Rugado and I am in the field of Real Estate just as you are.  I have been in the business now for 8 years and like you I have experienced the ups and downs of the market.  About 3 months ago I joined a company called Pacific Western Bancorp which is a sister company to Olympia Founding Group owned by William Hogarty.   We are a direct lender that is HUD approved!  This means we do FHA and VA loans direct, and in most cases we can close these loans in 21 days or less.  I have an in house marketing team that can help create and distribute flyers for Open Houses and other marketing events you may have.