Raul was born and raised by his mother in Redlands, California.
From a very young age, Raul’s mother taught him to have
a strong work ethic, juggling Boy Scouts, Little League
baseball, and school work. This trend continued into high
school, where Raul achieved the rank of Eagle Scout while
balancing Advanced Placement classes and playing on his
high school’s football and wrestling teams.
Among these diverse activities, Raul developed
a strong interest in his math and science courses. This
interest, combined with the influence of Raul’s Scout Master
(who was an engineer for Southern California Edison), led
Raul to begin applying to some of the top engineering schools
in the country.
Ultimately, Raul faced a difficult decision
between attending the U.S. Air Force Academy and Harvey
Mudd College in Claremont, California. Raul eventually chose
Harvey Mudd College, where he played football and rugby
and explored many of the different career paths that an
engineering degree could offer. After much searching, Raul
discovered the possibility of becoming a patent attorney,
and he proceeded to the University of Utah to attend law
Upon graduation from law school, Raul returned
to California, where he practiced law for almost four years,
helping companies such as Intel and Johnson & Johnson
protect their inventions and other intellectual creations.
While practicing law, Raul developed an increasing interest
in the world of real estate that he could not ignore.
Eventually, Raul left the practice of law and
began investing in real estate. Raul enjoyed real estate
investing so much that he began helping other people evaluate
real estate investment opportunities.
After analyzing a real estate development project for one
of Joe Chatham’s family members, Joe offered Raul a position
at Chatham Street Mortgage Services as a mortgage planner.
Raul jumped at the chance to help other people analyze and
strategically structure their mortgage financing, which
is one of the most important financing choices people make
during their lifetime.
Although Raul initially focused on financing
owner-occupied, residential properties, his client base
had an increasing number of investment-minded people who
wanted to purchase investment properties or who wanted to
use equity in their home to create additional wealth in
other investment vehicles.
Thus, Raul has developed a network of strategic
partners, including financial planners, estate planning
attorneys, and tax and real estate professionals, to assist
his clients that are focused on creating and managing wealth.
In addition, Raul has added commercial mortgage planning
to the range of services he offers to his clientele as another
avenue to create wealth.
Raul lives in Santa Monica, California,
with his wife, Kelly. In his spare time, Raul enjoys taking
Brazilian Jiu Jitsu classes, working on his instrument rating
for his private pilot certificate, working on his real estate
development projects, and learning about new investment