AZVIA Commercial Financing is a licensed real estate professional in the State of California. All real estate services, including but not limited to brokerage, sales, leasing, and consulting, are conducted in accordance with the laws, rules, and regulations of the California Department of Real Estate (DRE). We adhere strictly to the ethical standards and professional guidelines set forth by the California DRE to ensure transparency, fairness, and integrity in all transactions. California DRE License #02253698
Adam Zbiciak is a seasoned commercial real estate professional with a well-rounded background in brokerage, valuation, and capital markets. Over the course of his career, he has been involved in structuring and advising on commercial finance transactions totaling more than $2 billion in aggregate value, spanning a wide range of asset classes and deal types.
He holds multiple active licenses, including:
Adam earned his Bachelor of Arts from Michigan State University and currently leads AZVIA from San Diego, California. Outside of work, he enjoys fitness, playing sports, and taking long walks along the beach.
Rouven Steeves, PhD, is a United States Air Force veteran with 28 years of experience in international business, consulting, advising, and negotiations. With a proven financial track record and vast experiences leading, managing, and mentoring diverse groups of people and teams, he has a passion for entrepreneurial ventures and commercial real estate. Results driven and people focused, he is excited to serve you to reach your real estate dreams by helping you operationalize your financial goals.
Danny Ray Wooten has extensive experience in finance, loan origination, and politics. For over three decades, he has been a leader at the national and state levels in promoting financial literacy through education and mentorship. His vast knowledge of the tax system and how to leverage and manage debt and credit, to include private and commercial loans and mortgages, was a key plank in his political endeavors. Danny has led 100 plus campaigns across the entire political spectrum, including running for office himself. He has worked extensively in the private and commercial real estate industry, serving as a broker, loan originator, account executive, and chief executive.
Braden Roskam is a finance graduate from the University of Colorado Colorado Springs. He brings a strong foundation in both finance and marketing, paired with a deep commitment to helping clients navigate the complexities of commercial real estate financing. His work with nonprofits and his local church shaped his belief in using financial tools to drive real-world impact. At AZVIA, Braden focuses on building lasting relationships, streamlining the lending process, and delivering strategic solutions that empower both investors and communities. He also leads AZVIA’s marketing efforts, ensuring the brand reflects the company’s mission and connects with clients in a clear, compelling way.
Cole Merritt’s passion is real estate investing, which he has been pursuing for over five years. He has an extensive sales background in various industries and is highly skilled at identifying unique client needs and delivering tailored solutions. His outstanding communication skills, strategic vision, and real estate investing prowess are key reasons he has an unrivaled ability to establish enduring client relationships and a proven track record of helping them achieve their goals.
Valerie Hernandez has over fifteen years of experience in the finance sector to include specializations in mortgage services, financial literacy advocacy and education, and credit repair. As a community-minded advocate and team builder, Valerie regularly supports individuals with special education needs and empowers both individuals and organizations with financial knowledge and habits directed toward long-term wealth building and life-goal success. She is passionate about helping her clients achieve their commercial real estate dreams by thoroughly understanding their needs, providing them with targeted solutions, and delivering an exceptional customer service experience.
Ed Jones is a venture entrepreneur and pioneering force in business development, especially in commercial real estate and franchising. Throughout his career, Ed has successfully led ventures in artificial intelligence, information technology, biokinetics, biomechanics, software as a service, restaurant operations, community urban development, and sports facility development with a focus on revitalizing communities and driving positive life-style changes in individuals and groups. A highly regarded and sought-after business leadership coach and mentor, he brings his dynamic and proven track record of success to AZVIA. Ed is a premier account executive, who tenacious drive to turn his clients’ aspirational commercial business ventures into reality through diligent, timely, and comprehensive planning and execution, is eagerly looking forward to serving you!
Dimitri Gray has worked in the mortgage real estate industry since 2001. His vast knowledge and decades of experience, as well as his insightful attunement to market dynamics and customer-centered focus, ensures he finds the right product for his clients to achieve their goals. With a focus on timeliness, thoroughness, and product tailoring, he is committed to commercial real estate excellence and success. A father of four beautiful daughters and one incredibly gifted autistic son, Dimitri enjoys above all else helping others achieve their dreams. He brings this singular passion to bear as an account executive with AZVIA on behalf of all his clients.
Roberto Garza is a leader in commercial and residential real estate, mortgage financing, and real estate investing with over 27 years of experience. As a licensed Texas real estate broker and alumnus of St. Edward’s University with a concentration in finance, he has owned and operated several premier mortgage and real estate firms. Roberto is known for delivering strategic lending solutions and expert guidance, ensuring his clients obtain the right loan for the right project in a timely manner. As a seasoned real estate investor, he offers creative, practical insights backed by real-world experience and leverages his deep market knowledge with a client-focused approach to drive growth and success for commercial real estate investors.
David Fisher is a dynamic and results-driven professional with a unique blend of experience in commercial financing, operations management, talent acquisition, and coaching. With over a decade of demonstrated success across multiple industries, he brings a proven ability to lead teams, drive performance, and deliver impactful results. As a commercial loan broker, David has facilitated over $25 million annually in tailored business financing, leveraging strong financial acumen, relationship management, and strategic sales expertise. His extensive background as a leader, mentor, and planner is always and ever at the service of his clients, guiding them to achieve their goals with his versatile and disciplined goal-driven approach that is collaborative, innovative, and relentlessly focused on success.
Brandon Graves is a seasoned account executive focused on helping real estate investors close fast and scale faster through timely and accurate loan processing from origination to closing. Keenly invested in his clients’ success and satisfaction, he strives to understand their objectives, translate them into actionable goals, and ensures they are well informed about each step in the process. Brandon is eager to assist one and all to close loans across the entire spectrum of commercial real estate and business, regardless of credit or complexity. For Brandon, a successful loan closing entails his clients receive the service and results they deserve and desire, proving a win-win for all parties!
Aljumal (AJ) Mitchell grew up in Philadelphia, Pennsylvania and developed a passion for real estate after graduating from Temple University. Launching his career through the Mike Dunphy Real Estate apprenticeship program in North East Philly, AJ fixed and developed his first property at the age of 21. The rest is history! To date he has renovated and flipped over 150 single family homes and sold over 75 commercial properties. Having deepened his professional skills by working in the mortgage banking business for over eight years, he offers his clients a thorough and extensive background in both residential and commercial finance. Always community minded and eager to help others succeed, AJ has regularly volunteered with Habitat for Humanity, helping rebuild distressed properties for individuals and families. With his service-minded and client-focused professionalism coupled with vast experience in the commercial real estate and business field, AJ is looking forward to helping you achieve your goals and build your future
Terence is a dynamic leader and polished professional, dedicated to top performance. Having earned a BA and MS in Finance from George Washington University and an MA in Applied economics from American University, he is recognized for his entrepreneurship, innovativeness, and creative approaches to business opportunities. He entered the real estate business in 1997 as a subprime lending professional and has since accumulated over 25 years of experience in the mortgage industry. Whether as a Wholesale Account Executive, Area Sales Manager, Operations Manager, and ALT A Wholesale Correspondent Account Executive with the nation’s fifth largest subprime lender, he has a demonstrated track record of building and maintaining lasting relationships. Eager to serve all his clients, one of Terrence’s greatest joys is helping minority buyers and investors achieve their dreams in the real estate markets. He is now bringing his vast pool of knowledge and unstinting passion and record of excellence to the commercial real estate market to serve you!
Jennifer White has over 15 years of customer relationship management experience in sales and finance. Given her vast real estate experience, she has helped small to large business owners achieve their commercial goals as well as their residential dreams. Jennifer is dedicated to excellence, aware that success is built on integrity, trust, and a keen desire to see her clients succeed in their endeavors. Skilled at brokering complex deals with an eye to detail and timeliness, she knows how to effectively and efficiently guide a loan from origination to closing and is eager to serve you!
