Randy Lape, Financial Strategist
“If somebody offers you an amazing opportunity but you are
not sure you can do it, say yes – then learn how to do it later!”
― Richard Branson
Hi, my name is Randy L Lape, founder of Mortgage Free Living, advocate of the Truth in Equity system. I am also a mortgage banker in recovery. In early 2000, I decided to use the financial/marketing education received from North Eastern University in Boston and become a licensed mortgage broker. Always being an entrepreneur, I quickly founded SouthTrust Funding backed by investors such as Bear Stearns, Lehman Brothers, Indymac and a few other financial giants that fell in the 2008 real estate crash. YES,SUCH a great learning experience! After that crushing blow and bankruptcy, I swore to myself to find a different way, a better way. So, I have spent the last decade of my life educating myself; joining programs, hiring a mentor, online teachings, seminars and every arsenal I need in my toolbox. All this to help others avoid the headache and heartaches I personally experienced.
So here is the obligatory list of qualifications: Northeastern University; University of Tampa; Hillsborough State; Everest University; Carteret College; multiple starts-ups of currently operating businesses; various licenses in real-estate and insurance; trainings from every financial guru out there; take the good, leave the bad, but always remember this: there is no magic pill.
What my family and friends say – VERY charismatic. I am easy to talk to because I listen, but I also hear. I am jovial and positive. “You don’t know what you don’t know” is a family attitude. I am a dad with 4 kids, 2 older girls and 2 younger boys. I like to golf but the people behind are not impressed. I do not over complicate things.
Why I have automatic cool points – I was born on Star Wars Day (May the 4th be with you!) I am currently level 48, and I have been debt free for 3 years. If you are under the age of 45 and reading this, CONGRATS!! You are ahead of so many people. If not, then don’t worry, this will only take a few years! But we need to get started, like NOW!
John Lavender, Financial Strategist
John Lavender relocated from Columbus MS to Nashville, TN in 2001. Passionate about the real estate business, the move to middle Tennessee was a natural fit. With encouragement from his initial employers, John has spent the last Eighteen years helping families fulfill their dreams in becoming homeowners. Currently, John is a Mortgage Broker working for Lincoln Home Loans and provides Home Purchase Loans, Elite High Balance/Jumbo Loans, Refinance Loans and consulting on how to Get Rid of Your Mortgage. In his free time, John loves to go biking with the Rogue Racing Team, charity work with the Nolensville Lions Club and loves hiking , hunting and overlanding/camping with his family. Grateful for an amazing group of neighborhood friends, John makes sure that new residents are welcomed in a way that has become customary in Nolensville & Nashville!
Laurie Giwoyna, Financial Strategist
Certified Financial Planner™
I came upon this amazing strategy in 2008 in the midst of a traditional refinance and immediately recognized the huge financial implications. After implementing this strategy for myself, I beganconsulting for Truth in Equity and sharing it with others. This led me into full service financial services. While this gave me credibility, my true passion was not my main focus and made me look like every other “financial professional” which I clearly was not. I had something so much more valuable to share with my clients that offered life-changing results. It became increasingly clear to me that the greatest value that I can bring to my clients lie within this one strategy. It is not only a way to pay off debt quickly and easily but creates financial capacity that positions you to achieve your financial goals.
While my background consists of a variety of professional roles, it speaks to my love for learning and never being satisfied with the status quo. I have an Accounting Degree with a tax background, a Bachelor Degree in Nursing,a Certified Financial Planner™ designation , a Real-Estate licence, an insurance license, previously held but no longer maintain an Investment Advisor Registration, and a Stockbroker Registration. This list is not to wow you or pat myself on the back but rather to show the lengths I have went to educate myself in search of a better way to do things. My background also shows that I am a caregiver, an analyzer, a problem solver and an educator and love to share what brings the most value to others.
“If you always do what you’ve always done, you’ll always get what you’ve always got.”
Diana Ferreyra is a Senior Financial Strategist with TruthinEquity.com having over 11 years of experience helping TruthinEquity practitioners become debt free and build wealth and over 20 years of experience in the real estate market. She started her career in her early 20’s as a commercial real estate agent in Miami. Later moving to the small town in Florida, she became a buyer’s agent for Remax. Her desire to be more involved in the financing process of real estate transactions, led her to pursue her license as a mortgage broker. During her career as a mortgage broker she was repeatedly awarded top sales person, tackling even the most difficult financing scenarios. She met the founders of Truth inequity Bill Westrom and David Welles through her loan processor while working as a mortgage broker. She held a 45-minute meeting with David Welles and was overwhelmed by the information provided to her. DEBT FREE in 5 to 7 YEARS! What?! She couldn’t understand why the financial industry we know today, was not educating people on how to do this. She immediately joined the TruthinEquity team and has been dedicated to educating clients on the differences in financing options, analyzing client’s personal profiles/budgets and illustrating ways to increase cashflow, accelerate debt and build wealth.
Education: Real Estate Sales Person, Mortgage Broker, Licensed Life,Health, and Annuities agent
Awards: Phi Theta Kappa honor society, Dean list, Top Sales person, Rookie of the year insurance sales
Click the Calendar below to schedule a call with Diana.
Sam Zahaykevitz – Chief Financial Strategist
Many people like to know a bit about those they work with. This is especially important when it comes to dealing with your finances. Below is a quick overview of my financial background and qualifications so you are more knowledgeable about who you are dealing with.
* BA Business Administration
* 35+ years in finance
* Financial author
* 1 Book on mortgage financing and the home
buying process called AMS Renter’s Guide to Home Ownership
* Published in real estate magazine
* Guest speaker WTAG radio on the Dean Johnson Show
* Seminar speaker for real estate professionals throughout central
and western Massachusetts and southwestern New Hampshire.
* 18 years in mortgage industry
* Owned a mortgage company
* Uncanny ability to think outside the box
* Went 12 years without a permanently denied loan (everyone got their house for 12 years!)
* Various licenses held such as Series 6, Series 63, Mortgage Broker’s license, Origination license 3 states, Life, Health and DI
* Debt free at age 44 (the hard way!)
Interests include: Outdoor sports and working on our small farm in southwestern New Hampshire.
Amy Paukner, Senior Financial Strategist
Amy has many years experience as an analyst and strategist. Expertise in PLOC placement and Texas Residents. Amy has a unique skill with difficult scenarios and resolving complex cash flow issues. Amy is Truth In Equity’s GO TO person when complicated conditions exist.
“If the American people only understood the rank injustice of our money and banking system, there would be a revolution before morning.”
John Gagliano, Financial Strategist
Mission Statement: To help families meet and exceed their financial goals through education and understanding.
In my 17 years of business ownership I have learned many things. But the one trait I seem to gravitate towards is the relentless pursuit of customer care.
And with my experience of starting, running, budgeting, building, buying, selling, financing..…businesses for the last 17 years has put me in an unique position to help families meet and exceed their financial goals. And Truth in Equity is the tool to help me do that.
I married my wonderful wife (Alesia) or should I say she married me in 1999 and we have a son (Aidan) who as of 2017 in a Junior in high school. We enjoy the outdoors which would include boating, camping, biking, skiing or just sitting on the back porch watching the birds drink from the fountain.
I started my adult life behind the wheel of a T600 Kenworth as an over the road truck driver. It was a great way for a young man to get out, see the world and learn the values of hard work and money. After years in the transportation business I earned a BS degree from the University of New Orleans. I have trained and held various financial licenses including series 6, series 63 and blue skies. Additionally I have trained and hold my real estate license for the state of Louisiana (license # 0995689097). My work as an entrepreneur, in finance and real estate has given me a deeper insight into the inner workings of these industries which will serve me well as I help my clients move forward to financial strength.
Armandine Jacotin, Financial Strategist
When homeowners find themselves stuck in a 15 or 30-year mortgage, it is only logical to seek a more efficient solution. My great passion is to help them understand the concept of Equity Optimization to pay off their mortgage in just a few short years. To this end, I credit my trainer, Bill Westrom,Creator and Founder of Truthinequity.com and my dad, Leonidas, for teaching me my numbers at an early age. As each client/couple comes with its own uniqueness, it is never boring to analyze their data to try to find the best solution and/or recommendations for them. As an entrepreneur, I have great respect for those who have paved the way to make it possible for others to achieve their goals. I come from a diverse background which should help me identify with a broad range of clients. Originally from Haiti, I immigrated to the USA as a teenager. I served in the Marine Corps as a Data Systems Officer after obtaining my Bachelor in Computer Sciences at San Diego State University. I have since worked with the New York City Police Department and have owned my own computer repair shop for the past few years. I enjoy traveling, reading, and playing games of skills.I have a son.
Pamela Paulson, Credit Review and Customer Relations Associate
I have extensive knowledge and experience with Credit Scoring, Repair and sustained Management. A high
Credit Score, aka FICO, is the most important characteristic for obtaining “Inexpensive” Loans. The Higher
your FICO, the lower the interest rate.
If you have a less than 680 FICO, I will help by actively removing the negative items, assist and educate
individuals on optimizing positive credit they already have or need to establish and increase scores quickly.
I can show you the optimal way to do this to get the maximum results in the least amount of time.
I will also ensure you are matched with the most knowledgable Strategists for “Equity Optimization” and
Eric Hutter, Director of Wealth Management
US Southern and Western Territory
Hutter, a twenty (20) year veteran of the financial services industry, say’s “Loss of principal due to market volatility is something that we avoid with my strategies. Anyone near or in retirement cannot afford to experience a loss to their retirement nest egg. The reason, is that they don’t have the time to make up any losses that might occur”. He adds, “My strategies allow my clients to experience stock market gains while never experiencing a loss if the market goes down. I firmly believe that a portion of everyone’s retirement nest egg should be in safe money and that’s why I believe radio is the best media source to get my message to anyone I can help”.
Rance Bradshaw, Director of Wealth Management
US Northern and Mid West Territory
With 25 years of experience in the industry as a registered investment advisor, licensed stockbroker, financial advisor and business owner, Rance Bradshaw can provide all benefits and retirement services, tailored to meet the specific needs of each client, whether large or small.
Drawing on Bradshaw’s extensive experience in insurance and benefits and investments, Rance can employ cutting edge institutional investment strategies to offer clients the most cost effective plans with the broadest range of benefits.
Rance prides himself on offering investors a total package of knowledge, experience, integrity and personal service that is second to none. He and the Truth In Equity team look forward to helping current and future clients realize the rewards of personalized expertise.
Outside of work, Rance enjoys his involvement at church, volunteer activities, coaching his children’s sports teams and spending time with his family.
Senior Wealth Management Operations US
Brooks has extensive experience in dealing with businesses and individuals over the past (25) years in a variety of industries. Experience in management, marketing, sales, consulting, public relations, equity/debt funding and strategic planning skills for both service and product companies are extensive .
Brook’s professional career as a Financial Consultant began with Shearson Lehman Brothers in Cincinnati, Ohio. His core sales and marketing training provided him with the foundation for management and executive positions with several successful companies.
He has acquired international exposure through a public relations campaign that placed him on such domestic national advertising mediums such as ABC, NBC, USA Network, USA Today newspaper, America’s Talking Radio Network and countless local and regional platforms.
Brooks is able to provide businesses and individuals with not only income and retirement planning/strategies but also strategically work with tax and legal professionals to assist their clients with a suite of cost remediation benefits.
Sales and Inquiries
436 Leafy Way Avenue
Spring Hill FL 34606
Bill Westrom entered the mortgage industry 12 years ago. Bill has worked with one of the largest banks in the US; Washington Mutual and for the fifth largest bank in the world; Macquarie Bank of Australia. Working for such large institutions provided an invaluable education on how the big financial boys play the game; from YOUR deposits coming through the front door to their profits going out the back door. This is where Bill learned why banks offer the products and services they do. He discovered how the product and service choices were designed to entice our participation. He now teaches homeowners a very simple approach to better management of their personal finances.
Technical and Legal
436 Leafy Way Avenue
Spring Hill FL 34606
David Welles has a military, technology and sales background. His entry into the mortgage industry 12 years ago was precipitated by his own experience as a homeowner. His background has helped shape policy and procedural changes with large national lenders and improved the borrowing experience for many homeowners. When he was introduced to this personal financial concept; a concept that could help homeowners pay their homes off in 5-10 years, he joined forces with Bill Westrom to educate and deliver the necessary tools to the consumer.
Bill Westrom CEO
CEO: Bill Westrom
C.O.O.: David Welles
436 Leafy Way Avenue
Spring Hill FL
We value communication and good customer service. Open communication between you and our team is critical to everyone’s success. If in the event you feel it necessary to call on us for any reason and you can not reach your assigned Associate please reach out to us.