As a seasoned Broker, Agent and Auctioneer, I have been in the real estate and auction industry for over 20 years. I have a full-service firm located in downtown Winder, GA in Barrow County focusing on REO's, auctions, commercial, investment properties, traditional real estate, farmland and property management.  United Country offers us the ability to differentiate our company from other real estate firms who offers "traditional marketing" services involving signage, listing services and flyer's. I have worked with financial institutions to help liquidate residential, investment, building lots, farmland and commercial properties. I understand the expense associated with holding REO in a portfolio and the impact to the bottom line.  I am aware of regulatory demands concerning capital ratios banks are facing concerning their REO.