Sem Gulinyan is a licensed Real Estate and Mortgage Broker with extensive experience helping clients navigate both challenging and traditional real estate transactions. With a specialized focus on pre-foreclosures, short sales, loan modifications, and a variety of hardship assistance programs, Sem is deeply committed to providing tailored solutions that protect homeowners and preserve financial stability. In addition to helping clients through difficult circumstances, Sem also handles standard residential sales and purchases, offering expert guidance to ensure smooth, successful transactions. On the mortgage side, Sem brings a comprehensive understanding of the lending landscape, specializing in first-time homebuyer programs, including options that don’t require tax returns or W-2s with as low as 0% down payment. He also has a strong background in commercial and investment property financing, helping investors and business owners secure the right funding to meet their goals. Whether you're facing foreclosure, buying your first home, or expanding your real estate portfolio, Sem combines deep industry knowledge with a compassionate, solutions-driven approach to get results for both, Real Estate and Lending.