E-mail: acds5c@r.postjobfree.com Cell: 904-***-****

About Me:

My name is Lisa Doucette. I have a strong work experience in real estate mortgages, closings, sales

and property management. For 10 years I owned a mortgage and investment company. Most of my

life I've been self-employed. My natural inclination is to lead put all the pieces together, decide the

strategy, but I follow when required. Business is a team effort; I like being an integral part of that

team. I respect others, who like me, can be counted on to have specific details taken care of so that

every transaction runs smoothly. A deficiency in this area, I take very personally. It's also important to

check vendor work for quality control--- I've caught problems and had questions. Intricate or difficult

deals are often the most fun and the most satisfying. I'm a single gal who doesn't date. I don't drink. I

do my homework. I go the extra mile. I demand this from myself; no one needs to stroke my ego. I

need to find answers to all my questions, and rarely am I too busy to listen. Your time and energy is

just as important as my own. Definitely, a good sense of humor is essential. I like a professional

workplace filled with eager expectant people anticipating the next big step. I like to make things

happen. I help diffuse situations when necessary and lend my support when it's the right thing to do; at

the end of the day, I have to go home with me.

01/27/2014 Real Estate Sales Associate Designation License#: SL3285956 Expires: 09/30/2015

11/12/2013 Real Estate Education, Principle and Practices, Course 1

03/24/2013 CAM Education CAM Designation (Community Association Managers) License#:

CAM41545

Issued: 05/06/2013 Expires: 09/30/2014

02/04/2011 to 08/13/2012 'Exotic Botanicals By Lisa Doucette'

1880 S Air Park Rd., Edgewater, Fl 32141

Retail sales of glorious Bromeliades, Pineapples, blooming Talonzsia air plants and more tropical

climate blooms which I obtained from wholesale nurseries in Apopka, Fl. I also designed driftwood

pieces with permanently affixed living blooming plants. Sales were at open air Farmers Markets and to

local merchants. Unless this business is performed on a huge scale, the profits are nominal. Although

the markup price for retail sales of plants may exceed 200%, the cash revenue from such a venture is

still based on a $4.00 unit.

Daytona State College, 1200 W. International Speedway Blvd.,

Daytona Beach, Fl 32114

Fall Term 2008, Spring Term 2009, Fall Term 2009, Summer (A & B) 2009

Anatomy & Physiology 1 and Lab, Anatomy & Physiology 2 and Lab, Microbiology and Lab,

Algebra, Chemistry, Creative Writing

Sept. 2007 to July 2010 Laurino Produce, 3734 State Road Hwy #44, New Smyrna Beach, Fl

32168

I helped organize and open two fresh produce stores, one in Edgewater, and one in Palm Coast. I

assisted in the setup, sales, and breakdown, of the open air market produce tables in DeLand, Port

Orange, Daytona Beach and Flagler. This is tremendously physical labor but worth the fast paced fun

of displaying and selling to huge numbers of market goers.

March 1997 to March 2007 Gold Coast Mortgage & Investments, 3411 Kumquat Drive, Edgewater,

Fl. 32141 & 1804 Hibiscus Drive, Suite 4, Edgewater Fl. 32141

Mortgage Brokerage Business #: MBB0706844 Issued: 03/10/1997 Expired: 08/31/2008

Mortgage Broker License #: MB0645748 Issued: 04/23/1996 Expired: 08/31/2007

This business was my baby. I began it when I was the only girl in town breaking into a predominately

male 'old boy' system. There were actually surveyors and appraisers whom I could not use, because

their future schedules would not accommodate my new business. My forte became Subprime

Origination (80%), Private Lending (10%) and Commercial Loans (10%).

In the Subprime world, success depends on the ability to structure the deal and know what lender

has a program to fit the particular client and know these details quickly. All subprime lenders have a

lot of programs, and each with different guidelines. So you know them all. What the client wants to

hear, is that you'll have a written prequalification with terms, directly from the lender within 48 hours.

I've even gathered lists of appropriately priced properties for sale for my clients. One persnickety

buyer wanted the outside porch repainted, or she wouldn't close. The Realtor and I spent a Saturday

morning painting.

Over the years, a total of four brokers hung their license at my shop. I had such a great quality

crew assembled. I rewarded good service with more business. I knew the first names of my favorite

title agents, appraisers, surveyors, and pest inspectors. I received chocolates at Christmas, hand

delivered by the State Farm Agent. These were people I could call and get advice and prices when I

needed to. I knew all my A/E's at my favorite lenders by first name. For the most part, I never met

them in the flesh, but we spoke frequently. All of my loans were processed by me, personally. That is

to say, I not only ordered, watched for, and read every title commitment, every payoff, appraisal,

survey, deck page and pest inspection, but I went along on the appraisal and termite appointments. If

there is a problem, I want to know exactly what it is so the best option to cure it can be accomplished

now. I've sat upright in bed in the middle of the night because I solved a problem by realizing the

answer was restructuring the loan in a different program, and rushed to the office.

Local news advertizements produced all the client calls I could handle. By year five of my Business,

I was working strictly off referrals. I felt they all expected special treatment and they got it. I've sat in

homes in the evenings to get signatures, and visited banks and employers for verifications. Alot of

these clients would never had got the chance to own their own homes if not for the available Subprime

lending programs. I remember the young auto body worker with a pretty red haired wife and two red

headed boys. He cried at his closing. He confessed he hadn't graduated high school. The reality of

owning a home had been a dream.

For many years, my children, my mother and myself all owned investment property, that was

acquired, rented out, and financed through the business. I myself had eight mortgages at one time. I

learned to do a lot of my own rehab work. And the rule for good renters is : good credit, money down,

and a solid work reference. The business was such a success during it's 10 year run, I was sorry to see

the industry fail.

1992-1994 'Limousines By Rondevous'

5019 Conduit Rd., Colonial Heights, VA.

I owned and operated a small limousine service with my husband. I highly recommend

this venue. Properly advertised, this business is lucrative. With the dissolution of my marriage, the

business was dissolved, and I moved to Florida where my family resides.

July 1987 to April 1995 Shoneys of Richmond Virgina, 8415 W. Broad St., Richmond, Va

Position: Opening Waitstaff

UCONN (University of Connecticut)

Storrs, Ct.

Fall Term 1981, Spring Term 1982, Fall Term 1982, Spring Term 1983/ English Major

Daytona State College, 1200 W. International Speedway Blvd.,

Daytona Beach, Fl 32114

Fall Term 1976, Spring Term 1977

High School Graduation: May 1976, Daytona State Community College Adult Education (Not GED)

Greatest Accomplishment: Being raised by my four amazing children who love me--- none of whom

are addicts or in trouble with the law, and three of which are in college.

I have admitted weakness. I've been married four times. I take allergy meds. I also collect antique

books.

Aspirations: To purchase a property in Scotland, U.K., Play the violin like a fiddle, and learn French.

Clubs/ Organizations: Member of Starrate Road Christian Church, Jacksonville, Fl.

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