My name is Ray Bader and I am an REO Listing Agent in San Diego County with over 33 years of experience. I have personally sold over 1,000 homes and am very familiar with the local areas in San Diego and especially in Chula Vista and the South Bay.

I would like to offer my services in selling your investor’s assets. I currently have an REO team of 5 and my REO listings are exposed to 195 Coldwell Banker agents within my office alone. We sell these Bank Owned Properties efficiently through systems that my team and I have perfected in 33 years of experience as a San Diego REALTOR® and REO Specialist.

I understand your goal is to sell your assets as quickly as possible, for the most money, and with the fewest problems. I can be reached either by Phone at (619)987-9000 or by Email at thebaderbunch@cox.net. Let’s have a conversation.

Member of NAR, Member of CAR, Member of REO-Trans, RES NET,
Real Estate Agent/Salesperson License since 1989
Over 100 Hours of REO & BPO Education.


Ray Bader
DRE # 01031092
San Diego REO Listing Specialist


  • Occupancy – Same-day occupancy checks, weekly reporting.
  • CFK (Cash for keys) – Aggressive negotiation with occupants to save the client from having to evict.
  •  Eviction – Cooperation & coordination with sheriffs’ departments of all counties serviced.
  • Loss Mitigation – Mortgagor negotiation and deed-in-lieu assistance.
  •  Re-key – Coordination of contractor using client-specific key codes & Lock Box combos.
  • Secure – Assuring that all properties are secured with no possibility of entry other than a keyed entry.
  • BPO (for REO and 3rd Party Providers) – Drive-bys and interiors are performed quickly and efficiently by our dedicated BPO department. 48-hour guarantee for listings.
  • MMR’s (Monthly Market Reports) – Timely marketing reports for up-to-date information on new comparables and showing feedback.
  • Negotiation – All offers are negotiated using a client-directed offer communication method.
  • Closing Coordination – Pending transactions thoroughly managed for timely closings.
  • Auction Coordination – Oversight, coordination, and attendance (if necessary).


  • Trash out – Management and inspection.
  • Landscaping – Oversight of all lawn maintenance and landscaping per client guidelines.
  • Repairs and Rehabs – Extensive contractor database with 5-day turnaround for bids. Management during repair process; Inspection upon completion.


  • Communication – State-of-the-art technology for up-to-the-minute client needs.
  • Customer Base – Large pools of Buyers, Agents, and Investors.
  • Dedicated Departments – Pre-marketing, Listing Coordination, offer negotiation, Closing, and 3rd Party BPO’s.
  • Specialize in a challenging market.
  • Information Technology and a customized online system developed specifically for REO Management & Sales.
  • Client – Monitoring of Buyer’s Agent’s feedback with online reporting.
  • Membership – PSAR, REO Network, Sandicor MLS Network.
  • Certification – Certified REO Specialist, Certified Loss Mitigation Consultant, and Relocation Specialist.
  • Currently representing many different banks and asset managing Companies.