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2019 CMLA Mortgage Expo
2019 CMLA
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Loan Officer and Realtor Relationships:
The old adage, “you’re only as good as your last loan” has been around for some time. This session tackles head on how Loan Officers can gain trust with their realtor partners through effective communication and discuss steps that may be helpful in overcoming bad loan experiences.
Joy Castillo
Joy Castillo - Senior Broker Associate, PorchLight Real Estate Group

I was born in NYC and grew up in Northern California. I have called the Denver Metro Area home since 1999. I have three die hard Coloradan daughters, who will never understand what it means to miss water (or to be cold.)

I have always been drawn to service, and I view real estate as such, ultimately. My roles as analyst, market specialist, advisor, contract expert, observer of design and demographic trends, listener and guide all enable me to serve the community, which fills me with purpose and satisfaction.

I studied Comparative Literature at the University of California, Berkeley, and am active in the local chapter of my alumni club. I love to read, travel, hike, ride bikes, watch movies and listen to music. My happy place is with my family and friends, sharing food, lively discussions and (hopefully) singing and/or dancing. My first career was teaching school, and I often yearn for the days I taught works such as Harlem, Song of Myself and The Love Song of J. Alfred Prufrock to teenagers.

Adam Hebener
Adam Hebener - President | Managing Partner, Modern Mortgage, LLC
After 2 decades as one of Denver's top producing originators and mortgage industry executives, Adam Hebener lives a life of gratitude. He is a sought after industry expert and speaker, the co-founder and owner of Modern Mortgage, LLC a new and disruptive force for good in the Denver mortgage world, the father of 3 little boys and the husband of an out-of-his-league woman. Adam brings an insight and enthusiasm to each of his endeavors that has proven to be a contagious attitude that has attracted some of the industry's top players as team members.
Chad Hines
Chad Hines - Broker Associate, Your Castle Real Estate

I have been involved in Real Estate in just about every aspect in some form on another. My family has over 20 years of real estate experience that I have been a huge part of since my early 20s. I specialize in residential sales and investment properties.

I have lived in Colorado since I was 7 years old. I grew up in the Aurora area and currently live in Parker. I specialize in Parker, Aurora, Lone Tree, Centennial, Englewood, Littleton, Highlands Ranch, Castle Rock and Denver. I love hiking Colorado's beautiful trails, snowboarding, eating out at Colorado's best restaurants, participating in Parker's great family activities and going on scenic drives.