Buzz Howard

Senior Vice President

Buzz Howard emulates leadership consistently everyday…and with a smile on his face! As Senior Vice President, Buzz is responsible for overseeing day-to-day operations as well as managing the strategic direction of BVM. He brings his passion for leadership, industry knowledge, customer service, and production systems to Big Valley Mortgage daily with his coaching, mentoring, and training! He is quick to explain the word that most closely describes his leadership philosophy which is “servitude”. He truly believes that attitude is the secret to success.

With more than 30 years in the mortgage industry, he has worked in all phases of the business, from top producing loan officer, to trainer, to senior corporate management.
Buzz worked as an Owner/Partner and the Director of Training for Mortgage Training Services, one of the nation’s largest and oldest training organizations dedicated to the mortgage industry. He then went on to found Buzz Howard Seminars and provide consulting and training for leading companies such as Bank of America, Wells Fargo, Chase, and Countrywide. He provided the training for tens of thousands of loan officers, processors, and underwriters in almost all of the 50 states! Much of his work involved HUD/FHA and many other government agencies.

Buzz was awarded the American Red Cross Award of Merit by President Ronald Reagan, the highest honor given by the Red Cross. Born and raised in Texas, Buzz received his finance degree from the Texas A&M system.

If Buzz isn’t working, he can be found somewhere boating.

Vivian Lawrence

Vice President of Operations

Vivian’s role as Big Valley Mortgage’s Vice President of Operations is to positively impact and manage all areas of our operational workflow and staff which includes, but not limited to; hire, support, and mentor all Operational Support Staff;  develop branch-wide operational policies and procedures driving production growth and efficiency; and work alongside branch management in the development and implementation of strategic goals and  initiatives aligned with the direction of the organization and culture.

With more than 25 years of experience in the Lending and Real Estate industry, Vivian brings a breath of knowledge to BVM. She has served as a Loan Origination Systems Manager where she supervised, developed and conducted on-site training for the national integration of three separate mortgage divisions for all of the regional offices nationwide. She then moved on to become the Western Regional trainer for Automated Underwriting, Underwriter, Account Executive and then a Broker & Partner of a Mortgage and Real Estate company in mid-2000’s.
Prior to joining Big Valley Mortgage, Vivian worked as the Underwriting Manager with a Lender in Sacramento where she was responsible for overseeing and supporting the underwriting departments for two regional offices.

Vivian was born and raised in Fair Oaks and has one daughter who is a nurse at Mercy General in Sacramento.

Jennifer Remedios

Regional Sales Manager

Licensed to do business since 2005, Jennifer’s career in real estate began in the 1970’s as the daughter of a general contractor building custom homes right here in Sacramento County! Despite the obvious joys of pouring concrete in the winter and hanging drywall in the summer, Jennifer ultimately found that residential finance was what she enjoyed most. In 2006, she began originating loans and quickly grew her business doing both purchase transactions and refinances. She has been a President’s Club member or Top Producer for many years and has earned various other awards from her peers and leadership. A love of people and her profession along with hard work and raving fan clients have led to her success and expertise in lending.

In January 2014, Jennifer took on a leadership role with Big Valley Mortgage as Branch Lead. Helping to grow the Sierra Oaks location from seven loan officers and a few support staff to a branch of over 20 loan officers and six support employees! She found that leading her colleagues is the most rewarding part of her experience here at BVM. Due to her success at Sierra Oaks, in 2015, Jennifer was promoted to Regional Sales Manager. As a Regional Sales Manager, Jennifer is responsible for leading the growth and success of her branches, branch managers, loan officers and support team.

Jennifer is a California Native, born in Southern California and raised in Northern California. She currently resides in Sacramento, where she has lived for many years, with her three children and their boxer. When not working you will find her visiting her daughters in Las Vegas and Irvine, or at the local gun range and NHRA races with her son! “Spare time” is spent with valued friends and family boating, enjoying local breweries and taking in a good baseball game whenever possible.

Aaron Clowes

Regional Sales Manager

As Regional Sales Manager of Northern California and Nevada, Aaron is responsible for the overall growth and success of the branches in his region. He works closely with his branch managers and the loan officers they support to ensure they have the tools, technology and resources to provide their clients and Realtors with a remarkable experience.

Aaron has been a part of the BVM leadership team since 2012 and previously served as Director of Strategic Partnerships. In this position he was responsible for the overall management and growth of BVM’s Strategic Partnerships Division including partnerships with over 60 real estate offices.

Aaron is also an active loan originator, leveraging his 14 years of mortgage origination to provide his clients and realtors with a reliable source they can trust with their home finance needs. He and his team believe in providing consistent results with clear communication from “find to fund”.

Prior to entering the mortgage industry in 2003, Aaron was an Air Traffic Controller in the United States Air Force. In his spare time he enjoys spending time with his family, tackling DIY home improvement projects and is an avid big game hunter.  He is also an active member and Past President of the Active 20-30 International Sacramento Club #1, a nearly 100 year old service organization that raises money for sick or disadvantaged youth in the Greater Sacramento area.

Renee Bautista

Human Resources Manager

Renee joined Big Valley Mortgage in 2009 as part of the operations team. She moved into a leadership role as the human resource manager in addition to overseeing facilities and payroll departments.

Renee began her career in the mortgage industry in 1997. She brings over 17 years in the field of mortgage banking operations as well as eight years of human resources experience. Her expertise includes employee relations management, hiring, policies and organizational development. She is passionate about our culture that makes Big Valley Mortgage so unique.

Renee resides in Sacramento, California and enjoys spending time with her family. While pursuing her hobbies in baking and reading historical novels, she is an avid Disney fan.

Melissa Finley

Melissa Finley

Director of Strategic Partnerships

My name is Melissa Finley and I am so excited to be a new member of the BVM family! I have been working in the industry for almost 4 years now as a Marketing Director. I am looking forward to utilizing the skills I have gained and my pure love for people and building relationships to help you all do what you do best.

I like to think I’m a total kid at heart. I love having fun, and have found that is especially true with my job. I have a great passion for growing, building and maintaining meaningful and beneficial connections. Strong relationships are what really make me tick. I also am a proud mom of two beautiful children. I have a son who is 12 and a daughter who is 10- they are my world. We enjoy doing anything and everything active and outdoors. Although, we will never turn down hot chocolate and a family game night. I look forward to working with you all!

Albert Gonzales

Recruiter – Central Valley Division

Albert Gonzales joined Big Valley Mortgage as a recruiter who specials in discovering mortgage industry rock stars for our Central Valley Division. Prior to coming to BVM, Albert successfully worked for a staffing firm where he passionately focused on recruiting operational staff for his mortgage clients.

Born and raised in Fresno, Albert attended McLane High School and then went on to Fresno State, finishing his degree at the University of Phoenix. Upon graduation, he became a Fire Fighter for Cal Fire station 89 in Fresno and enjoyed a fulfilling career for five years. After a knee injury, Albert discovered his passion for sales and his talent for connecting people – his recruiting career soon took off!

Albert has four amazing sons who keep him very busy with school and sports, but he wouldn’t have it any other way! Albert’s passions include the gym, Brazilian Jiu Jitsu, golf and spending time with family and friends. Albert is big on quotes and tries to find at least two new quotes every morning to incorporate into his life.  His favorite quote and life motto is always evolve, always improve and never quit. Albert can be contacted by phone at 559.259.6204 or via e-mail at albert.gonzales@apmortgage.com