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Frank Balladares Originally born in Bluefields, Nicaragua, Mr. Balladares has lived in the United States for more than 20 years. He has been working in the mortgage industry since 1989. He started working at Frank T. Yoder Mortgage, Inc. as a loan officer, and later as a mortgage broker. In 1997, Mr Balladares founded BKM Financial Services Inc. He is currently a licensed mortgage and insurance broker. 
Maria Balladares Originally born in Managua, Nicaragua, Maria brought her family to the United States in the early 80's. She is the proud mother of 2 children, and recently became a grandmother. Around the office Maria handles several administrative duties, and is also a notary public. 
Ryan Henderson Ryan started working in the mortgage industy after his graduation from Southern Virginia University in June of 2004. He began his career working for Frank T. Yoder Mortgage Inc., and became a part of BKM Financial Services, Inc. in January of 2006. Mr. Henderson is a licensed insurance agent and a loan officer. 
Karla Henderson Karla is the daughter of Frank and Maria, and married Ryan while attending college. She graduated from Southern Virginia University with a major in Family and Child Development, and with minors in Early Childhood Education and Spanish. Mrs. Henderson is a licensed insurance agent and also handles the majority of the translation and interpretation services.
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Mortgage Tips
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Aoccdrnig to a rscheearch at an Elingsh uinervtisy, it deosn't mttaer in waht oredr the ltteers in a wrod are, the olny iprmoetnt tihng is taht frist and lsat ltteer is at the rghit pclae. The rset can be a toatl mses and you can sitll raed it wouthit porbelm. Tihs is bcuseae we do not raed ervey lteter by itslef but the wrod as a wlohe. |
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