RICK RUBY

Mortgage & Real Estate Coach

With 40 years in the Mortgage business, Rick owns 3 branches with 37 loan officers closing an impressive 2,000 loans in 2023. He personally originated loans from 1984 to 2009.

In 2001 Rick established The CORE Training, a coaching company with 1,000+ clients and 35 coaches earning an average of $1M each with $2M in savings. The CORE imparts financial wisdom to make, save, and give more. In addition to being Head Coach at The CORE, Rick also consults for major Mortgage and Real Estate companies.

DERRICK POLDER

Mortgage Lender

Derrick is a producing Regional Vice President in Arizona. Devoted to helping his customers reach their goals, Derrick is recognized as a leader in his industry. He is repeatedly ranked in the top 1% of loan officers nationwide. When not at work, he enjoys spending quality time with his friends and family, often participating in soccer, basketball, mountain biking, and travel activities.

K WATANABE

Real Estate Agent

Kaukaha "K" Watanabe, a Hawaiian native, has an extensive professional background in Sales and Business Management. With over thirteen years of experience, K has successfully developed two profitable real estate companies. To date, his companies have sold over 3500 homes in Southern Arizona and have ranked #13 for 2022 RealTrends, The Thousand Medium Teams by Transaction Sides. K currently lives in Tucson, Arizona, where he actively coaches, mentors, and sells real estate.

GREG GALE

Mortgage Lender

Greg joined the mortgage industry in 2005. Before that, he was a personal trainer and martial arts instructor for 17 years. Greg notes that 20 years of martial arts, where persistence, honor, and integrity are the heart of the daily practice, was a perfect lead into his role as a consultant in the mortgage industry. The Gale Team is a full-service loan origination service committed to providing innovative mortgage solutions and real estate strategies. In his role as team leader, Greg stresses the importance of integrity, a positive attitude, patience, creativity, and respect for all things. The team's priority is to provide exceptional and memorable service.

KARL TUNBERG

Real Estate Agent

Karl is the managing partner of Hague Partners/72Sold.com and the Team Leader & Owner of Midland Real Estate Alliance. He leads a team of 7, focused on delivering an amazing client experience. Originally from Santa Barbara, California Karl moved to Arizona to attend college. He graduated from ASU and along with his wife, has raised their family of 4 children in Arizona. After making Arizona his permanent home, Karl has spent 25 years in real estate, investments, homebuilding, development, commercial and land development business. Karl has served on many charitable boards, organizations and worked with many different municipalities on development, entitlements and zoning issues. Karl is a 2 time winner of the SE Valley REALTOR® of the Year (2018 & 2022), The CORE Training 5 year Valedictorian, numerous volume and unit sales awards, and member of America’s Top Real Estate Agents. Karl is very active, enjoys ultra-running, skiing, sailing, all sports, hiking and spending time with friends and family.

LIZY HOEFFER

Mortgage Lender

Lizy Hoeffer is a highly accomplished entrepreneur who kickstarted her career in the mortgage industry. As a loan originator, she quickly rose to become one of the top in the nation, winning multiple awards for her exceptional service. Throughout her career, Lizy identified two significant gaps in the market: mindset and meaningful preparation around financial investments. As a result, she founded Billion Dollar Babe, a lifestyle brand that inspires people to believe that a billion-dollar lifestyle is within reach, and SmartCents, an easy-to-use app that helps people prepare for meaningful financial investments, such as buying a home, using intuitive and goal-driven tools. Through her innovative approach and dedication to empowering individuals, Lizy has become a respected figure in both the entrepreneurial and mortgage spaces.