Stephen A. Carter, based in the Houston Texas market, is a 25-year commercial real estate industry veteran that has represented large users and investors, throughout the United States in an array of closed real estate transactions. Mr. Carter has a long record of successfully guiding local, national and multinational clients with their commercial, land acquisitions, development, entitlement, dispositions, and asset repositioning. He is a leader in the industry of closing transactions annually exceeding $60 million to include specific areas land assemblage, single family residential subdivisions, national franchise fast food outlets, hotels, convenience stores, gas distribution, farm and ranch, value added apartment/industrial buildings and lender workouts. Stephen has represented major lending institutions Bank of America, Chase, Wells Fargo Bank, as well insurance companies that lend in real estate utilizing valuation, transaction management, and financial restructuring. He has a complete understanding of bankruptcy, foreclosure, restructuring proceedings of workout loans. Stephen believes in giving back to the community. He is actively involved with Houston Livestock Show and Rodeo as a Captain of the Business Speech Committee, Volunteer Auctioneer for committees at HLS&R, and a Volunteer of Lakewood Church. Education & Affiliations: BS Agricultural Business – Cal Poly University San Louis Obispo CA Two Term President Yuba/Sutter Developers/Builders Association CA Served on board of directors Yuba/Sutter Board of Realtors Planning AG education committee Yuba Jr. College Large Business and Large Employer of the year City of Barstow CA 1988 Economic Development board member Desert community Bank 1988-1992 Master of Ceremonies for many Philanthropic Groups including televised fund raisers Youth coach of the year in soccer and little league baseball organizations Licensed Real Estate Broker in Montana, Nevada Licensed B-1 contractor State of California.