About Mike Toste, Placer County, CA Real Estate Specialist

Mike Toste, Team Lead

(916) 899-7330

Mike Toste brings more than 20 years of marketing, sales and negotiating experience to the sale of your home or to the purchase of your new home or investment property. Prior to getting licensed, Mike worked as a Short Sale Supervisor where he negotiated hundreds of short sales with homeowners faced with falling behind on their mortgage payments. Mike’s team has closed over 350 homes in the last 2 years with a sales volume of over 100 million. That translates into a home sold almost every 2 days. In addition, Mike has consistently ranked in the top 10 for homes sold in Placer and Sacramento Counties. Setting a higher standard is more than a motto; it is his dedication to excellence. So, whether you are considering a short sale, loan modification or are just needing to sell quickly, put Mike’s marketing plan to work for you.

A Note from Mike: When it comes to selling your home, you need an agent that has a proven track record and who delivers on what is promised. Make sure to get a listing agreement giving you the right to cancel at anytime. Hire someone who has made Real Estate their career and not just a part time job. Some people say my ‘tell it like it is’ approach is a bit harsh, especially when the news is not good. I say,” To the contrary”! I am going to give you the news, whether good or bad, and advise you on what you need to do to your home to get it SOLD. Mike Toste

Holly Hisel- Listing / Loan Mod Specialist

Holly has spent her entire career in sales gaining invaluable experience working with top-notch fortune 500 companies including Oracle Corporation, Schwarz Pharma and Coldwell Banker. Over the past five years, she focused her talents as a Consultant and VP of Operations for Real Estate and Mortgage Brokerages, leading 7 local top producing Real Estate and Mortgage Offices.

Most Recently, she joined the Toste team and has been successfully managing and assisting troubled homeowners with Loan Modifications and Short Sales within Sacramento and Placer County. With the severe decline in home values coupled with a declining economy, many home owners are struggling to keep their homes. A Loan Modification or Short Sale can be a viable option for those homeowners that are struggling as a result of distress. As a result, the process by which a home owner has to go through to attempt either one of these options can be grueling. Holly has been increasingly successful in facilitating homeowners with the Loan Modification process with their current lenders.

Scott Miner - Short Sale Listing Specialist

Scott has been Mike’s short sale listing specialist since late 2006. It is hard to place a value on the experience Mike and Scott bring to the table for those needing this type of assistance. With over 800 closed short sale transactions dating back to the last market correction of the early 1990’s you would be hard pressed to find a more qualified team. A short sale done incorrectly or a home lost to foreclosure can often times lead to tax liabilities, credit damage and sometimes a suit brought on by your lender to attempt to recover any unpaid balance. It is imperative to get the correct guidance before embarking on a short sale or simply walking away from your property. We have taken the time to put together a network of professionals consisting of a Real Estate Attorney, Bankruptcy Attorney, CPA and Credit Repair Company. The purpose for this is simple, to ensure our clients are given accurate information so they can make an educated and informed decision. The best part about this is the advice is free to all our clients. So if you are upside down on your mortgage or just want information about your options, please give us a call or email.

Stephanie Owens - Short Sale Negotiation Specialist

Stephanie brings great experience in dealing with loss mitigation representatives from many financial institutions. She has developed a working relationship with many lenders, providing a quicker response time for negotiations and offer acceptance. When Stephanie is assigned a task, she is devoted to following it through, from the first to the final stages.

John Taylor - IT guru, Technical Support

bankownedpros@yahoo.com

John ensures that the computers and electronic database of files are constantly up and running for the dedicated team. He spends countless hours designing websites and managing the network servers, allowing the Short Sale Team the opportunity to access files around the clock. As a Real Estate agent himself, John knows the in's and outs of all apsects of short sales.

Terri Toste - Escrow Control

territoste@topproducer.com

Mike often refers to her as the most efficient escrow coordinator he has ever worked with. But then again, we think he might be a bit biased since she is also Mike's Mom. Terri's job is to make sure all the disclosures are signed, time lines are being met and contingencies are being removed. Terri has been a key component to our successful closing record and the continued growth of our team.