B.A Degree in  Architecture,  25 years Experience in the Banking Industry , specializing in Loss Mitigation and Liquidation Asset Management. Former Mortgage Broker ,Real Estate Broker,CBR,Real Estate Investor,Creator of "The Short Sales Journey", a training program, conducted for Government funded, not-for-profit organization and Government agencies, State Universities and Public Libraries and " The Blueprint of Short Sales" is not just a concept, it is established,structured system with Processing, Legal , Title, Training and Funding Department. Host of TV Show " Latinos Unidos"and Radio Show www.blogtalkradio.com/ricardochacon. Author of Making a Difference, not Just a Living" release June 25 2010.International Bilingual Speaker.