There are Encouraging Signs, But No Clear Direction…Yet
Long-term rates have been rising since their recent lows in September. The bond market is reacting to uncertainty – uncertainty about inflation, jobs, tariffs, tax
Our Team » Underwriting
Troy D. Brown
Chief Underwriter,
Senior Vice President
443-573-2043
Troy joined AGM as a loan production officer in 1997, has been a HUD-approved underwriter since 2000… and AGM’s Chief Underwriter since 2016. Troy received a Master of Business Administration degree from the Johns Hopkins Carey Business School.
Walid Azzam
Deputy Chief Underwriter,
Senior Vice President
443-573-2049
Walid joined AGM in 2001 and is a HUD-approved underwriter. He previously worked as a financial analyst …with University of Maryland University College and as an accountant with Trans World Airlines. Walid received his B.S. in Accounting in 1989 from Ain-Shams University in Cairo, Egypt. Walid received a Master’s degree in Real Estate from the Johns Hopkins Carey Business School.
Jason Harter
Vice President
443-573-2050
Before joining AGM in 2009, Jason worked in retail management for Suburban Propane Partners. Jason received his B.S. in Business… Administration and Finance from University of Dayton in 2001 and completed the Mortgage Bankers Association’s FHA Multifamily Underwriting Training Program in 2013.
Mike Minervini
Vice President
443-573-2060
Mike joined AGM in 2012 after working at M&T Bank as a Commercial Real Estate Appraiser Trainee. Mike received his B.S. in Business Administration… from Buffalo State College in 2003 and his M.S. in Real Estate from the Johns Hopkins Carey Business School in 2011. He also completed the FHA Multifamily Underwriter Training Program offered by the Mortgage Bankers Association.
Andy Severt
Vice President
443-573-2065
Andy joined AGM in 2012 as a financial analyst. Prior to AGM he worked in real estate financing and sales. He did his undergraduate work…
Kevin M. Marshall
Associate Underwriter
443-573-2044
Kevin joined AGM in 2016 as a financial analyst. Before joining AGM, he worked in specialized asset services in Columbia, Maryland…. He has completed the Mortgage Bankers Association’s FHA Underwriting Training Program. Kevin is a graduate of the Virginia Military Institute where he earned his B.A. in Economics & Business.
Sayed Popal
Financial Analyst
443-573-2063
Sayed Joined AGM as a financial analyst in 2020, Prior to joining AGM and migrating to U.S.A, Sayed was Director of the Afghan National Housing Program… and he also worked with the U.S.G funded Programs in Afghanistan as banking capacity team leader and governance and stability team leader, Sayed was also a volunteer lecturer at Kandahar University for more than 5 years teaching fundamentals of micro and macroeconomics. He graduated from JMI university in India with a B.A (Economics) and also completed a one year Advanced Bachelor Upgrade program in Management and Economics at Ruhr University in Bochum, Germany.
Robert Habighorst
Financial Analyst
443-573-2041
Rob joined AGM in 2022 as a Financial Analyst with the underwriting staff. He comes from a background in Residential mortgage-backed… securities [RMBS] for default servicing management. Rob is also a graduate of the University of Maryland and obtained his B.S. in Economics in 2020.
Nik Meuschke
Financial Analyst
443-573-2048
Nikolas joined AGM in 2021 as a financial analyst with the underwriting staff. Before joining AGM, he spent seven years at a small…
Long-term rates have been rising since their recent lows in September. The bond market is reacting to uncertainty – uncertainty about inflation, jobs, tariffs, tax
For the fourth consecutive year, AGM Financial Services (AGM) donated a total of $100,000 to four Baltimore nonprofit organizations. Recipients will receive a $25,000 unrestricted grant that
In November, we told you about two proposed changes to FHA underwriting meant to increase multifamily production. Now it’s official. Late yesterday, HUD announced changes
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