Sandy, a San Diego native, had her first job in lending with First Western Bank, which was in our current building. After that she and Ray moved to Pacific Commerce Bank, and that is when they decided to become partners. So they came back to Pacific Beach and opened Consolidated Lender's Group, Inc in 1994. Then, three years ago, they expanded the business in incorporate real estate sales, opening the division of Three Coins Realty. Where they remain today because of your loyalty and support.