Meet Our Team


Rosemarie Dumadara

Rosemarie Dumadara-Koerner

Owner / Senior Loan Officer / Real Estate Broker 
NMLS# 453010
Mobile: (805) 478-4784
Office: (805) 352-9100
MD International Marketing Group, Inc. Website (Mortgage):
New America Realty Website (Real Estate):

Rosemarie has been in the Real Estate and Mortgage business for upwards of 20 years. Already an accomplished and successful entrepreneur, she runs her own real estate brokerage, New America Realty, and a mortgage company, MD International Marketing Group, Inc. She knows the market in and out here on the Central Coast of California and is fully dedicated to her job. She is also a notary public making it a complete and full-service real estate company. Rose holds a Bachelor's Degree in Journalism/Communication and graduated with the prestigious honors of "Valedictorian" in her class.

Her goal is to make every mortgage transaction as easy as possible for every single client. Always willing to go the extra mile to find the right loan for each family, ensuring a smile is on their face afterward. For Rose, it's always a wonderful feeling whenever a client turns into a lifetime friend. She takes pride in having mostly referrals, repeat business, and past clients’ family members as her clients. Her relationships with them don't just end at closings nor are they just one-time transactions. She continues to be there for them even after all the papers have been signed, which is a testament to how much she places great value on maintaining long-term relationships with her clients. 

In 2021, Rose faced another milestone in her long list of accomplishments as she faced an array of 18 equally business-minded and successful women in the Mrs. Philippines-Universe competition. She represented the Province of Aurora, won the Mrs. Pearl of the Orient 2021 title and will be representing the Philippines in the 2022 Mrs. Universe pageant to be held in South Korea in July 2022. She garnered the most votes in Vantle’s Mrs. Universe-Philippines poll and has been featured in several publications including Ganap International, Fashion Art Media, and Legacy One Luxury Magazine

Rose’s goal is to build an unshakeable brand and become the most trusted, sought-after business in her field. She believes that trust is a key indicator of business success, and her success stories are not just hers but her clients’ success stories as well. These client reviews affirm that she’s onto something. 

Please contact Rose for any of your Mortgage and Real Estate needs. 


Ray B. Ando

Ray Ando

Real Estate Agent / Mortgage Loan Officer 
NMLS# 1591288
Mobile: (805) 720-5494

Ray is a born and raised resident of the beautiful Central Coast for 18 years. He has since moved to Orange County, CA in 2014 and has achieved a Bachelor of Arts in Accounting & Finance from California State University, Fullerton. Ray has been in the Real Estate/Mortgage industry ever since he was 18 years old, he holds a CA real estate salesperson license since 2018 and achieved his Mortgage Loan Officer license in 2019. Ray truly enjoys working with a diverse group of people every day and getting to know everyone. Ray’s expertise is in Real Estate, Mortgages, and Corporate Accounting. Contact him at any time with any questions, he is always happy to assist anyone.


Jo Kennedy

Jo Kennedy

Senior Mortgage Loan Officer / Realtor 
Mobile: (805) 451-4336

Ms. Jo Kennedy is our Senior Mortgage Loan Officer. She also has her real estate license for the State of California. Her 32 years of expertise & knowledge in the loan business plays a critical role in the continued success of our entire team. She comes from a family of Real Estate experience including her mother and son. Please feel free to contact Jo for your loan needs, she will be happy to assist. 


Nadia Hernandez

Nadia Hernandez

Mortgage Loan Officer 
NMLS# 1632638  

Mobile: (562) 440-5530

Nadia was born and raised in Mexico City and moved to the US in 2005, hoping for a better future for herself. Moving to another country was one of the most challenging things she has done in her entire life, but the desire to grow personally and professionally was bigger than her fears. Her primary language is Spanish which allows her to offer her services to the Latin community who feel more comfortable communicating with lenders who speak Spanish. 

She went to the University in Mexico City and majored in International Commerce. Upon moving to the United States, she started working in the mortgage industry and immediately fell in love with it. She knew this was the career for her!

Helping people achieve something they have dreamed of for so long gives Nadia great satisfaction and being a part of the undertaking makes her feel very fulfilled and proud. She has been in this business for 15 years now, starting as a Loan Officer Assistant, then later on as a Loan Processor, and finally as a Mortgage Loan Originator as of 2017.
Nadia is looking forward to being a part of your journey towards real estate investment as your loan consultant, so contact her today and she will be very pleased to help you navigate the complexities of real estate loans. We work with different lenders and we have a variety of programs that will cover your needs.


John Balcorta

John Balcorta

Real Estate Agent / Mortgage Loan Officer 
NMLS# 284932
Mobile: (805) 305-0440

John takes pride in the 28 years of experience on his belt, which has made him one of the most sought-after mortgage professionals in town. Both a real estate agent and a loan officer, John is more knowledgeable than a lot of his colleagues. His wide array of satisfied clients bears witness to his impeccable qualities as a real estate and loans expert. His incomparable compassion and patience with clients - whose qualifications are less than perfect - have earned him his niche in the business and made him loved by many. Additionally, John is bilingual and a native of Santa Maria which makes him a better choice to help you in your next real estate or mortgage undertaking. Call John today!