The Dawn Thomas Team is a specialized group of client-service focused professionals whose skills contribute to the overall real estate experience for our clients in the Silicon Valley and Santa Cruz County beach communities. Dawn and her team are available to answer your questions about market areas, statistics, financing options, and all things related to your upcoming real estate transaction. They belong to many industry news and mentoring groups who correspond daily—enabling them to be on the cutting edge of news in real estate and technology relating to your home buying and selling experience.

Transaction Management

Trina Hunt, Transaction Coordinator

With almost 20 years experience in the industry, Trina got her start training in Corporate Relocation, Residential and Commercial Property Management, Real Estate Finance, Escrow Coordination and Real Estate Sales. She founded T3 Transactions in 2002, enabling her clients to easily handle multiple real estate transactions. An expert with electronic transaction management, Trina ensures every transaction is seamless for all parties as well as providing critical document security. As a licensed Real Estate agent in the state of California and certified by CAR (California Association of Realtors), Trina has the ability to bring transaction management to an elite level.



Silicon Valley

Rob McCarthy, Senior Mortgage Planner

Rob McCarthy has been providing residential and commercial financing to clients over the last 2 decades. In that time he closed over 1 billion dollars in loan volume
and closed over 3000 purchase and refinance loans. New and past clients keep coming to Rob for his lender selection (over 45 now), his preferred lending relationships resulting in the lowest rates and fees and for his expertise and out of the box thinking keeping in mind the clients long and short term financial goals.

101 Loan, Inc.
408-377-4123 Direct
NMLS #121019
CA DRE # 01165697

Renee Stephens, Sr. Loan Coordinator
408-558-6605 Direct
408-608-1921 Fax
NMLS #326829

Danny S. Kim, Wells Fargo Private Mortgage Banker

Danny S. Kim is a Private Mortgage Banker with over 15 years lending experience. Since joining Wells Fargo Private Mortgage Banking, Danny has achieved designation as a Leader’s Club member and continues his strong focus on the client experience.

For more information, please visit his website.

Danny S. Kim, Well Fargo Private Mortgage Banking
Private Mortgage Banker

Wells Fargo Home Mortgage | 301 University Ave | Palo Alto, CA 94301
Tel 650-752-0450 | Cell 650-642-4455 | Fax 866-754-5706
NMLSR ID 241129

Nikki James, Personal Finance and Mortgage Advisor

As a Personal Finance and Mortgage Advisor, Nikki helps her clients make the best financial decisions to accomplish their financial dreams and ambitions, inclusive of their real estate, mortgages, investments and other assets. Nikki has more than 25 years of experience in real estate and real estate finance. Nikki’s approach to understanding her client’s entire financial life enables her to tailor financing solutions that help clients own or build their dream homes. The personalized care and attention she provides has resulted in her consistently being recognized in the top 1% of mortgage loan professionals nationwide.

Prior to Opes Advisors, Nikki was a Private Mortgage Banker at Wells Fargo and a Branch Manager for a Fortune 500 mortgage company where she worked for more than 10 years.
Nikki is a registered Series 65 Investment Advisor Representative, licensed California Real Estate Agent/Mortgage Loan Originator, and a Personal Financial Advisor at Opes.

Nikki emigrated from England in 1987 and lives in Menlo Park with her family.

Opes Advisors, Inc.
Ph: 650.322-0303
2875 El Camino Real
Palo Alto, CA 94306
NMLS 293138

Mike Aning, Recommended Mortgage Planner

A Silicon Valley native, in 2001, Mosaic co-founder Mike Aning found himself a Dot Com casualty. His 12-years experience in Project Management made the transition to Loan Management seamless and within a year, Mike was Top Producer at his firm. Soon after, Mike partnered with Dave Setti, founding Mosaic Mortgage Group. In addition to being a Certified Mortgage Specialist, Mike also holds his California Real Estate Broker’s license. Mike’s principal focus is to remain on the cutting edge of the finance industry, advising his clients in an ethically responsible manner and providing consummate customer service.

Mike lives in San Jose with his wife and children, and, having grown up playing soccer, eagerly anticipates watching the World Cup (and goes into withdrawals during the interim 4 year hiatus between playoffs). A connoisseur and avid collector of top shelf tequila, he currently is working to expand his ‘small’ 40 bottle tequila collection.

Mosaic Mortgage Group
Ph: 408.377.8876 x201
2542 S. Bascom Avenue
Suite 190
Campbell, CA 95008
NMLS 225911 / BRE 01318111
Equal Housing Opportunity
A division of American Pacific Mortgage Corporation. NMLS 1850 / CA BRE 01215943

Santa Cruz County

Dwayne Dawson, Senior Loan Officer

Dwayne Dawson is a native “Santa Cruzan” who has been helping clients navigate the complexities of real estate financing for over 20 years. He has helped over 1,500 families with customized home lending strategies. His clients range from first time home buyers of affordable housing unit to those buying their dream beach front home, as well as real estate investors.

His wife, Maya, is a local Physical Therapist and they have two daughters together, Anika and Elise. Dwayne is a graduate of Cal Poly with a degree in Electronic Engineering. After college he moved to New York City and worked on Wall Street for 6 years. He then returned to Santa Cruz in 2002 and began his career in the mortgage industry. He is active with the Mountain Elementary School Board, budget Advisory Committee and youth soccer. He enjoys spending time with his family, surfing, kitesurfing, mountain biking and trail running.

Santa Cruz Home Finance
Ph: 831.588.7288
1535 Seabright Ave
Santa Cruz, CA 95062
NMLS 236837

1031 Exchange

Ron Ricard, Certified Exchange Specialist®

1031 Exchange – Investment Property Exchange Services (IPX 1031)
Ron is designated as a Certified Exchange Specialist®,one of fewer than 160 people nationwide who has earned that certification, as accredited by the Federation of Exchange Accommodators. He has taught 1031 tax exchange accredited courses to over 10,000 investors, real estate agents and lenders over the past ten years. Ron is a frequent guest on local radio and television real estate shows and is a guest lecturer at the College of San Mateo, Foothill and Chabot Colleges. He served a 3 year term on the Board of Directors of the Santa Clara County Association of Realtors and is very active in the real estate community.

Investment Property Exchange Services is the nation’s largest qualified intermediary. Owned by Fidelity National Financial (NYSE: FNF), IPX1031 ensures the security of your exchange funds with $100 million in fidelity bonding, $30 million in errors and omissions and $50 million in corporate guarantees. National company, local presence, responsive service, unparalleled expertise and security for all your exchange needs.

(408) 483-1031
(877) 747-7875 Toll Free