Testimonials

Testimonials concerning both our work as real estate professionals and our educational seminars are set forth below:

We Can Help YOU too!!!

Vikki:

We did it! Can't believe we are done with this short sale. You took all the worry, stress, and anxiety out of the obstacles and delays. What seemed like an impossible journey turned out to be a tolerable adventure. We want to thank you for your hard work and professionlaism but most of all your caring concern.

Bill & Ester

Gary:

I want to say thank you so much for your candid opinion and wise advice. Given your amazing experience and education, it is very valuale to me, and I have no other source to obtain such information.

CA Administrative Law Judge

Hello Gary.

Thank you so very much for taking your valuable time out of your day to speak to me. It's obvious to me that you've been around the block, really know what you are doing and have helped countless others.

Set forth below is an email from a tenant to her landlord that was also sent to us. The landlord owner has defaulted on her mortgage payments, and the tenant desires to purchase the home as a short sale:

Barbara:

After speaking with the attorney who referred us to Gary Laturno, we made an appointment with him. Gary is an arbitrator, attorney, real estate broker and probably one of the foremost authorities on short sales and real estate negotiating in the area. On top of his impressive reputation, he turned out to be a gentle, knowledgeable, patient and compassionate man. Even Alf, who is seldom won over by anyone, was very impressed and genuinely liked him too. We spent about 30 minutes with him, generous in the fact that on short notice he fit us into his schedule that included preparing for a lecture he was to give the San Diego Attorney’s Bar assn. the next day. (The lecture was on Short Sales.) Gary took a quick overview of our situation and asked some pertinent questions. As are we, he is equally concerned with your options and where you will end up, as he is with helping us figure out how best to transfer ownership of your house without the burden of the current debt.

Short Sale may not be the only option. (Although it is the probable one). Unlike the other Realtors with whom we spoke, who were pressuring me into a stressful state, Gary applied no pressure. In fact, he started out with some ideas that would not benefit him at all. We discussed a number of options with him.

After our meeting we felt a sense of relief. I think you will also feel a sense of relief when you talk to him. And he may be able to help you strategize your big picture in such a way as to minimize your personal stress and economic losses. He takes pleasure in ferreting out solutions to complicated problems. We now feel that we have a competent advocate.

Mara

Gary, first of all thank you again for taking your personal time to help me. I trully appreciate the advise you gave me and I also appreciate you sending me recommendations for a bankruptcy attorney. People like you are very hard to find. So thank you again. Have a great evening.

Armando

"Dear Vikki:

First of all I wanted to thank you once again for your expeditious and amazing job you did by renting our condo in Carlsbad in such as short notice. Grace and I realized once more your knowledge and professionalism in the real state market; only a year ago you help us find a place in the San Diego area in about a week. You work tirelessly until we were satisfied with the new purchase and all your information and guidance was unbelievable help full.
With this rental you demonstrate again, not only your friendly personality but the seriousness and dedication of your job and we appreciate this very much."

Thank you and please keep in touch,
Ricardo & Chela Wilches

July 2008

“I have been and continue to be in respectful awe of the thorough, efficient, competent way you handled this sale. You have exceeded my expectations. I also appreciate your doing your best to make things as easy for me as possible.”

L. Payette

April 2008

"Thank you very much for all your work on our sale. You both have been wonderful. Vikki you have always been so reassuring and thoughtful and conscientious and helpful!"

Sarah V.

Mr. Laturno:

I just finished a phone call with you, and although the news was not favorable, I can't begin to tell you how grateful I am to find someone willing to take the time to listen and care about my situation. The insight you provided was extremely beneficial. In a world where it seems like no one is willing to even talk to you without a significant advance payment, I feel extremely fortunate to have made contact with you.

I am so very grateful for your time and wanted you to know how much it means to someone searching for answers. And, by the way, I will be pursuing a real estate license and when the day comes that I pass the test (and I will!) you've got someone in Alpine who would be honored to be part of your team.

Thank you, again, so much!

Cindy

Gary,

I've been meaning to write to you for some time. I referred two people to you, Esther and Bill ... regarding their re-financing of their home. They have since successfully bought a new home and worked out their loan problems, thanks to the advice from you and your wife.

I just wanted to pass along some of their comments, so you know what a profoundly positive impact you are having on people. Both Esther and Bill, who are not super expressive people, raved about your help, your willingness to give time and attention to their situation, and the valuable advice you provided to them. They said dealing with you was the best experience they have ever had with an attorney and it restored their faith in lawyers and in people in general--just at a time when they needed it the most. The said that both of you, working as a team, were invaluable in giving them practical suggestions about ways to handle their situation. They couldn't say enough about you as people, how caring you were and how they felt you were giving them the "straight skinny." You helped them to navigate through a critical time in their lives with realistic advice and practical suggestions.

Thanks so much for making contact with Bill and Esther and for being such a wonderful resource for them at a critical time. They will never forget you and the compassionate and expert help you provided.

Gregg

Subject: RE: Former Attendee From Your Seminars

Sheryl:

Thank you for your email. Based on your email it does not appear to me that you can afford the house and that a short sale is a good option for you. I, however, have a number of questions and do not feel I can give you sound advice unless I have additional information. It would be extremely helpful if we could talk. Can you call me?

Dear Gary,

I "slept" on this issue and decided this house has caused us to lose our credit; run up credit cards - all because we had to have the "best"! I won't be calling you because your note/email made sense. In your seminar I attended, you said something that has "stuck" with me. You asked this question to the group: "Why do people have to live so high?" I will never forget that question. The answer is "they don't have live so high". We are a perfect example of "keeping up with Joneses".

I have two very good offers submitted to the lender of which I know they will take one. Also, an NOD was already filed. I have signed a lease. We can "afford" this rental. If I try now, I would have fight on my hands with my listing agent, my landlords who took their property "for rent" off the market because I gave them a deposit.

I am going through with the short sale and if anything good comes from losing a dream home it is this: "A Lesson Learned". We cannot afford this house and if we pursue keeping it now it will cost us money and maybe a lawsuit from my realtor who did "perform" under the listing contract we signed.

Thank you. Your short paragraph convinced me. Use me as true example in one of your seminars!!! I wish you success always; you are a very honest, nice man.

Sincerely,

Sheryl

The Housing Opportunities Collaborative Distinguished Pro Bono Attorney Service Award is presented to Gary M. Laturno, Esq

"In recognition for your support of the Housing Opportunities Collaborative HOME Clinics

"Your efforts to train, provide networking opportunities and support systems to HUD approved housing counselors, mortgage counselors and volunteer attorneys, resulted in valuable information and personal counseling being giving to distressed homeowners in San Diego County

"Your hard work and dedication have aided homeowners immensely in recovering from their financial and mortgage crisis."

Vino Pajanor, President & Executive Director, Housing Opportunities Collaborative, December 16, 2009

Gary:

Thanks so much for all your help and input. I am in your debt. Feel free to call on me if I can ever be of service. Best regards, Rod
Testimonials re

Seminars presented by

· Gary Laturno, Esq., Attorney & Real Estate Broker and

· Vikki Kuick, MBA in Finance & Realtor

This is by far the best Short Sale presentation I have seen. It very effectively combines the technical knowledge needed with the practical information of what happens in the real world.

Just a quick note to thank you for being a speaker at the program last night. Your presentation was excellent. Very substantive, high intensity, and well-organized. What I like the most about your program, however, was the compassion that comes through. Under all the substantive expertise and life experience, what really shines through is a person who cares and who is willing to give of themselves to other people in dire need.

I must candidly admit that I was impressed with the seminar you gave at our law firm on the housing crisis and options to avoid foreclosure. We learned a great deal.

Great seminar on the housing crisis and options to avoid foreclosure! Easily, could be and should be a Continuing Legal Education for the bar. One of the most substantive and relevant seminars I attended in a long time.

I wanted to thank you again for the great presentation you did for our attorneys last month at our law firm. They attorneys enjoyed it and learned a great deal.

I attended your seminar last Wednesday at the law library on the housing crisis and options to avoid foreclosure. It was one of the most informative MCLE events I've been to in a very long time.

Thank you for the great seminar you gave today at the law library on the housing crisis and options to avoid foreclosure. It was very interesting.

We learned as much in your three hour seminar at Chicago Title on real estate investing as we learned in a recent three day seminar that we paid a lot of money for.

Excellent information! One of the best two hours I have spent.

I was talking about you this morning. We really loved the presentation on the housing crisis, and I already gave your contact information to an attorney friend. She needs help with saving her home in East Lake. She's a single Mom of two, one child in college.

I attended a seminar put on by Gary Laturno at Chicago Title on how to deal with short sales, foreclosures and loan workouts in today's bleak economic environment. He knows what he is doing. I have known Gary and his wife Vikki for quite awhile, and they are people you can trust to do what is possible in a difficult environment. They have short sales pending with WAMU now. You should know I make referrals ONLY on the basis of qualifications. I do not accept referral fees from anyone.

Thank YOU so much for the presentation at the Legal Aid Society on the housing crisis and options to avoid foreclosure. I know everyone was impressed and learned so much from you. Look forward to doing it again!

Thank you for that very informative presentation yesterday on loan modifications and the housing market. I teach a MBA Real Estate Investment class at SDSU so I am always looking to learn new information. You are one of the most knowledgeable people I have heard on the subject.

Thank you for your presentation last week at TJSL. I know it was well received and timely. What an important message to share too.

I've been impressed with you, your demeanor, and your message both at the Community Committee meeting and the "Work A Day" event. My hope is that our paths cross again.

It's encouraging and refreshing to meet someone who wants to give back and be of service to others. Thanks again.

Thank you for your support of or Work-A-Day event at our law school. I have received great feedback from the participants of the CLE seminar that you taught. We look forward to working with you and the SDCBA in the future!

I would rather listen to Gary Laturno talk about real estate than Donald Trump.

You are a truly phenomenal speaker!

Set forth below is the activity evaluation form for a seminar taught by Gary Laturno at the San Diego County Bar Association on March 16, 2010. Topic: Pending CA Assembly Bill AB 1588; Mediating Foreclosure Disputes:

Activity Evaluation Form for California MCLE

Provider Name: The San Diego County Bar Association

Address: 1333 Seventh Avenue, San Diego, CA 92101

Telephone/Fax: (619) 231-0781 (619) 338-0042

Title of Activity: Pending CA Assembly Bill AB 1588: Mediated Mortgage Workout Program

Date of Offering: March 16, 2010

Name of Participant (Optional): ___________________________________________________________

Please help us in our efforts to be the best.

To what extent were your educational objectives satisfied?

Very satisfied.

Exceeded expectations.

Excellent overview/background.

Fully. Well-structured, great content.

Very well.

Very. X2

The program contained significant current intellectual and/or practical value.

Very practical information.

Exceeded expectations.

Agree.

Yes. X2

The best aspects of the program were:

Talking about how potential bill is practical or not and relating it to current trends.

Insightful/useful content expertly presented.

Experience of presenter.

Organization, content.

Lots of content – flew through material instead of reading slides.

This program could be improved by:

Provide copy of PowerPoint presentation to participants as part of package.

I recommend the following speakers/topics for future programs:

Bankruptcy as an option to help people who are underwater.

Please rate the physical facility:

Fine – a little warm.

Warm.

Fine, as always.

Please rate the written materials (if applicable):

Great.

OK.

Fair.

Excellent slides.

Please provide any comments about the following speaker: Gary Laturno

Always very knowledgeable and can relate several topics to each other.

Most excellent, as expected.

Very impressed.

Well done – thanks.

Good speaker.

Set forth below is the Activity Evaluation for a seminar that Gary and Vikki taught on May 12, 2010 at the San Diego County Bar Association on "Short Sales"

Activity Evaluation Form for California MCLE

Provider Name: The San Diego County Bar Association

Address: 1333 Seventh Avenue, San Diego, CA 92101

Telephone/Fax: (619) 231-0781 (619) 338-0042

Title of Activity: Short Selling Homes and Rental Properties

Date of Offering: May 12, 2010

Name of Participant (Optional): ___________________________________________________________

Please help us in our efforts to be the best.

To what extent were your educational objectives satisfied?

Yes.

Partial.

Excellent program – very informative, educational.

I needed a more in depth overview of short sale and tips to negotiate with lenders. That objective was satisfied.

The program contained significant current intellectual and/or practical value.

Yes. X4

Significant, no but practical, yes.

The best aspects of the program were:

Laturnos were great.

Good organization, visual aids.

Clarified a confusing topic.

Variety of perspectives on short sale issues.

Insight into lender trends.

Information on timelines and processes.

Please provide any comments about the following speaker(s):

Excellent speakers, very knowledgeable throughout.

Vikki Kuick

Superb!

Good content.

Skipped over a lot of the substantive bullets in favor of anecdotes.

Gary Laturno, Esq.

Superb!

Good content, good organization.

Great.

Good speaker, decent overview of how we got here, but not many substantive, lots of anecdotes.

Testimonials

Laturno Kuick Realty