Steven W. Carver

• Please note that I currently practice Real Estate in Arizona and California for brokerages in each state. I have been a Realtor fulltime since 2007 & involved with Real Estate from 2000 as a Professional Mortgage Loan Officer, private investor and property rehab specialist...
• Reviewed and executed confidential documents, contracts and disclosures.
• Established positive flow of communication with agents, clients and personnel involved in closing transactions.
• Developed new business and managed new and existing clients.
• Reviewed property listings, interviewed potential clients, accompanied clients to properties and effectively communicated condition of sales.
• Negotiated contracts with buyers and sellers to maximize customer savings.
• Leveraged market knowledge and analysis to provide guidance and advice on best options for clients.
• Managed scheduled meetings to maintain satisfaction of both buyers and sellers and facilitate smooth purchases.
• Developed and implemented marketing strategies to maximize sales and attract new clients.
• Performed home evaluations and developed competitive market analysis for individual homes.
• Conducted weekly open houses and provided feedback to sellers on potential buyers.
• Collaborated with mortgage companies to accurately determine loan and mortgage options for clients.
• Followed-up escrow process, coordinated contingency removal of property inspection and maintained timely closing of escrow.
• Prepared and presented contracts and other legal documents to clients.
• Educated clients looking to sell or buy on current market conditions, legal requirements, pricing, and mortgages.

Currently working under this brokerages license in CA performing all of the duties noted in the job description for Realty Executives...

• Performed home evaluations and developed competitive market analysis for individual homes.
• Developed and implemented marketing strategies to maximize sales and attract new clients.
• Studied property listings, interviewed prospective clients, accompanied clients to properties and discussed condition of sales.
• Managed scheduled meetings to maintain satisfaction of both buyers and sellers and facilitate smooth purchases.
• Reviewed property listings, interviewed potential clients, accompanied clients to properties and effectively communicated condition of sales.
• Prepared and presented contracts and other legal documents to clients.
• Established positive flow of communication with agents, clients, attorneys and personnel involved in closing transactions.
• Reviewed and executed confidential documents, contracts and disclosures.
• Conducted weekly open houses and provided feedback to sellers on potential buyers.

• Conducted Real Estate services as outlined with current and prior brokerages.
• However; please note that I left this company due to what I deemed to be unethical business practices and not wanting to be associated with that in any way...

• Provide Real Estate services as outlined at current brokerages.

• Please note that I currently work at this brokerage. The real estate duties outlined above are the same as when I worked at this company during this period of time.

• Conducted Real Estate duties as outlined with current brokerages but ultimately left due to technical support and limitations of the company...

• Provide Real Estate services as outlined at current brokerages but left prior to them being purchased by Better Homes and Gardens...

• Provide Real Estate services as outlined at current brokerages.
• Silvercrest Realty was the sister company to Mortgage One Lending allowing the flexibility to conduct Real Estate transactions as well as provide lending services to clientele...

• Partner Mortgage One Lending
• 2005 Started Corporation - Carver lending Corporation.
• 2008 company was sold to Fortes Financial at which time I switched to Real Estate full time. (Silvercrest Realty was sister company of Mortgage One).
• Mortgage Loan Planner, consult, plan and provide home loans to home owners and home buyers.
• Maintain relationships with Realtors, CPA's, and Financial Planners.
• Market and originate FHA, VA, Conventional and alternative loan products depending on clients want and needs.

• Top Producing Loan officer, Presidents Club 2003 & 2004, building relationships with Realtors, Financial, Planners & CPA's...
• Sales & marketing of loan product's.
• Originate various loan programs such as FHA, VA,
• Conventional & alternative home loans.
• Explained very technical financial information to applicants in easy to understand language.
• Monitored pipelines to track and log status of loans.
• Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
• Approved loan applications based on customer creditworthiness and provided detailed financial advice.
• Proactively identified solutions for customers experiencing credit issues.
• Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
• Started in Mortgage business part time in 2000 while also maintaining fulltime job at JTK. Transitioned to fulltime Loan Officer in 2002.
• Developed strong relationships with customers through high levels of customer service.
• Assisted customers in understanding loan terms and conditions to make informed decisions.
• Collaborated with other departments to promptly process loan applications.
• Maintained strict confidentiality of client information.
• Submitted loan applications to underwriter for verification and recommendations.
• Originated, reviewed, processed, closed, and administered customer loan proposals.
• Negotiated loan terms to provide favorable outcomes for both customers and lenders.
• Examined customer loan applications for loan approvals and denials.
• Advised clients on mortgage, education and personal loans.
• Assisted customers with completing loan applications and other paperwork.

• Obtained C16 Fire Protection Systems License as qualifier for JTK Construction.
• Reviewed project plans and specifications to understand project requirements and accurately estimate cost and resources needed.
• Participated in pre-bid meetings and site visits to understand project scope and identify potential issues or challenges.
• Used specialized software to create estimates quickly and accurately and make estimates easily understandable and shareable.
• Negotiated prices and terms with suppliers and vendors to secure best prices for materials and services.
• Gathered cost and material data for accurate and up-to-date information on material and labor costs.
• Identified areas for cost saving to help increase profitability and lower client costs.
• Identified potential risks and challenges to project cost and timeline to adjust estimates accordingly.
• Prepared material orders to complete projects on time and within budget.
• Install wet and dry utilities by excavating, installing and backfilling.
• Prepare traffic control plans as needed street utility work.
• Contact dig alert and review existing plans so as to verify possible conflicts with existing utilities...
• Schedule inspections as needed with the proper overseeing agencies. Depending on whether the project was local, state, federal/military.
• Met project deadlines without sacrificing build quality or workplace safety.
• Achieved project deadlines by coordinating with contractors to manage performance.
• Coordinated material procurement and required services for projects within budget requirements.
• Prepared and submitted project invoices for review and approval.

• Participated in pre-bid meetings and site visits to understand project scope and identify potential issues or challenges.
• Gathered cost and material data for accurate and up-to-date information on material and labor costs.
• Used specialized software to create estimates quickly and accurately and make estimates easily understandable and shareable.
• Reviewed project plans and specifications to understand project requirements and accurately estimate cost and resources needed.
• Tracked project costs and expenses to monitor progress and identify and mitigate deviations from original estimate.
• Identified areas for cost saving to help increase profitability and lower client costs.
• Collaborated with other departments and contractors to access all necessary information and expertise to create comprehensive estimates.
• Identified potential risks and challenges to project cost and timeline to adjust estimates accordingly.
• Analyzed designs and performed accurate cost analysis.
• Analyzed buildings to prepare estimates for fire sprinkler retrofit.
• Analyzed plans and specifications to identify scope and cost of projects.
• Gathered data on materials, labor and equipment costs to determine total costs of projects.
• Prepared bids and proposals to submit to clients and secure new business.
• Provided accurate estimates by defining scope, timelines, potential setbacks, and limitations.
• Conducted site visits to gather information and data on project locations, infrastructures and conditions.
• Attended project meetings to provide updates and insights on project costs..

• Identified design requirements for each project.
• Design and engineer fire sprinkler systems for various types of structures from home, commercial, retail, Warehouse, low, mid and high rise buildings, Hospitals, Military and various other industrial complex's.
• Coordinate with other trades such as plumbing, HVAC & structural contractors so as to reduce potential areas of conflict.
• Researched & implemented innovative design techniques & additional value engineering strategies to reduce costs.

• Estimate cost and installation of fire sprinkler systems based on available water supply/water pressure, hazard classifications as requirements per local, state and/or NFPA requirements.
• Started Grinnell as fire sprinkler designer in service department & promoted to fire sprinkler estimator after 4 months. Left Grinnell for better opportunity with CFI.
• Participated in pre-bid meetings and site visits to understand project scope and identify potential issues or challenges.
• Gathered cost and material data for accurate and up-to-date information on material and labor costs.
• Reviewed project plans and specifications to understand project requirements and accurately estimate cost and resources needed.
• Tracked project costs and expenses to monitor progress and identify and mitigate deviations from original estimate.
• Analyzed and calculated field measurements, survey plans, and plot plans to create proposals and process work orders.
• Identified areas for cost saving to help increase profitability and lower client costs.
• Researched construction cost trends to stay up-to-date with industry developments and changes.
• Delivered consulting services to advise clients on cost-saving strategies and best practices.
• Attended project meetings to provide updates and insights on project costs.
• Conducted site visits to gather information and data on project locations, infrastructures and conditions.
• Prepared material orders to complete projects on time and within budget.

Design Automatic Fire Sprinkler systems and provide material list for jobs as necessary for installation... Company was forced to close due to not paying union dues and not paying taxes.

• Researched and implemented innovative design techniques and strategies to reduce costs.
• Identified design requirements for each project.
• Design automatic fire sprinkler systems for all building types from homes to multi-unit, mid rise, high rise, hospital, warehouse and commercial buildings...
• Installed fire sprinkler systems utilizing pipe fitting skills, use of rigid 300 threading machine along with other hand held tools as needed to install sprinkler systems.
• Developed fire suppression plans and systems for residential, educational and commercial buildings.
• Consulted with customers to evaluate sites, discuss project requirements and determine optimal fire protection plans.
• Worked with designers, building owners and tenants to review code concerns and make adequate corrective actions.
• Skilled at working independently and collaboratively in a team environment.
• Self-motivated, with a strong sense of personal responsibility.
• Proven ability to learn quickly and adapt to new situations.
• Managed time efficiently in order to complete all tasks within deadlines.
• Passionate about learning and committed to continual improvement.

• Stationed at Naval Amphibious Base Coronado; Seal Team 3; 1st Lieutenants Department: Complete all assigned duties as pertains to logistics and small boat maintenance, repair and personal fitness.
• U.S.S. Cushing DD985 - SAR / Rescue Swimmer, Armed Security Task Force, Advanced Fire Fighting training, sending / receiving, coding & decoding communications.
• Honorably Discharged Sept. 21, 1989 from active duty. Reserve Duty Obligation completed Aug. 10, 1994...
• After getting out the Navy I returned home for a few months where I was farming and working construction prior to returning to California to work at A&D...