Prior to Ashton Woods, Ryan was the Vice President of Construction Operations at the PulteGroup. BBB Business Profiles generally cover a three-year reporting period. from Cornell Law School. Our investment strategy focuses on servicing the U.S. middle-market household demographic in suburban areas with compelling population, economic and employment growth rates.
enviando un correo electrnico a However, use of Trailblazer Mortgage is not required to purchase a Starlight Homes home. las molestias. On-site staff. Tempe, AZ 85284. This is the Starlight Homes company profile. I spoke to them a long time ago they say i wont recive my 5,000 down payment because the time have pass but in the other hand they say if you don qualify you get you money back so I dont qualified and now if I dont buy a house with starlight homes in 6 moths I will lose my down payment so they are forcing you to buy with them worse thing I ever did you go in there they tell you you need to get your lot secure before no application our anything so they just taking ppls money really sad bad for the ppl and around this time I have 4 kids so taking ppls money out a family money just like that its bad they say the a to help bue at the end just took my money. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply. BBB Business Profiles may not be reproduced for sales or promotional purposes. My situation and issues with this company has only been frustrating. Prior to Kodak, Carrie worked in sports marketing at IMG. I spoke to them a long time ago they say i wont recive my 5,000 down payment because the time have pass but in the other hand they say if you don qualify you get you money back so I dont qualified and now if I dont buy a house with starlight homes in 6 moths I will lose my down payment so they are forcing you to buy with them worse thing I ever did you go in there they tell you you need to get your lot secure before no application our anything so they just taking ppls money really sad bad for the ppl and around this time I have 4 kids so taking ppls money out a family money just like that its bad they say the a to help bue at the end just took my money. Receiving the advertised rate and incentive requires participation in the Starlight Homes Advantage program, including use of Velocio Mortgage, which is an affiliated lender. I would never se d some one to buy with starlight home they took my money the day I went to see the houses all they talk it was they can do anything with a 5000 deposit and there were no block or grass cut down the lot were not even available Im out of cualificacin and they send me and email and it looks like the created that that they will keep my deposit I have 4 kids a wife and right now things are getting worse and velocity landing told me Im out of cualificacin and they are keeping my deposit I will like Our leadership team of disciplined visionaries combines decades of experience and expertise in the asset management, acquisition, disposition, financing and operation of residential real estate in the United States. Wenn Interested in learning more about our homes? Starlight Homes an Ashton Woods company, builds homes designed specifically for the first-time homebuyer. Visit our Privacy Policy and Terms of Use for more detail. Rate is only available until pool of funds is depleted or the rate expires on May 15, 2023. scusiamo se questo pu causarti degli inconvenienti. Starlight Homes Assisted Living Contact Information. by ; May 16, 2023 . Customer Reviews are not used in the calculation of BBB Rating. I have something else I'd like to talk about with Ashton Woods. He has also served on the Board of Directors of the Greater Atlanta Home Builders Association. This communication is provided for informational purposes only and should not be relied upon by you, not to be construed as a quotation or offer of credit from any lending institution. Prior to Ashton Woods, Thad was a Senior Strategic Marketing Analyst for Pulte Homes Southeast Region and worked extensively in the market research industry before beginning his homebuilding career. Sparklight is a leading broadband communications provider and part of the Cable One family of brands, which serves more than 1 million residential and business customers in 24 states. Very toxic work environment. Located in magical Orlando, FL, you will never be more than a mile from local area shopping and dining. Lindsay graduated from Brigham Young University with a Bachelor of Science in Global Economics and Trade. North Shore. Starlight has come to the home, address the problems. By submitting your information, you agree that we may call, text, or e-mail you regarding your inquiry, including by an automated dialer or through the use of a pre-recorded voice. Wir entschuldigen uns fr die Umstnde. Contact the Milwaukee Team: 414-310-9342.
I have a warranty request. We now have mold in the ceiling. in History from Emory University and received her J.D. Tony holds a bachelors degree in Business Administration/Marketing from Saint Norbert College. Find your B2B customer within minutes using affordable, accurate contact data from Datanyze, Starlight Homes headquarters are located in 3820 Mansell Rd Ste 400, Alpharetta, Georgia, 30022, United States, Starlight Homess main industries are: Real Estate, Starlight Homes appears in search results as Starlight Homes LLC, Starlight Homes, Starlight Homes Inc, Get Free Access to Starlight Homes Contacts Info. Ken joined Ashton Woods in 2009 as Executive Vice President Operations for Dallas, Houston and Phoenix, and was soon promoted to President and Chief Executive Officer for the entire company. to let us know you're having trouble. These people knows how to play the system and laws. Address, Phone Number, and Hours for Starlight Homes Assisted Living, an Assisted Living & Nursing Home, at Briardale Street, San Antonio TX. All this time Starlight is trying to sell something that's already been sold? What sector does Starlight Homes operate in? As interest rates continue to fluctuate and inventory sits at historic lows, now is the time to jump on this opportunity. It is our understanding that you have spoken at length with our sales team about your concerns. stephens funeral home obits pryor, ok. bill gibbs obituary. We called about the warranty, and was told it was for one year only. We had a few questions regarding the mortgage and reached out to the Loan officer and company. We own and actively asset manage 36 multi-family communities and 100 single-family rentals, comprising only Class Acommunities. . Our U.S. You can unsubscribe at any time. However, use of Trailblazer Mortgage is not required to purchase a Starlight Homes home. With a focus on exceptional customer service, we work tirelessly to ensure that our clients achieve their real estate goals. Coast Starlight; Pacific Limited; Sunset; Surfliner; West Line; Escalante. Ajude-nos a manter o Glassdoor seguro confirmando que voc uma pessoa de If you continue to see this Some Help to get my money back no one answer you try call office our corporate no one pick up a single phone call before they call you and answer the phone in 1 second dont buy dont give them deposits they give you the run around to keep the deposit. Starlight Homes key technologies used on the website. Payment is based on a purchase price of $299,990, 3.5% down payment, 7.00%, 30-yr fixed rate (APR 7.95%), FHA. Contact the SW Florida Team: 239-320-7894. Rate is only available until pool of funds is depleted or the rate expires on June 30, 2023. 1 *Subscribe to receive recurring text alerts. At Ashton Woods, we rely on honored design principles like balance, rhythm and harmony to create togetherness, comfort and really good dinner parties. Thad received a B.A. Eileen reconfirmed that everything looked good and that we will only needed to pay the 10.5k before closing. 3820 . BBB Business Profiles are provided solely to assist you in exercising your own best judgment. NO ONE had contacted me to take over Eileen tasks. Aiutaci a proteggere Glassdoor dimostrando che sei una persona reale. excuses voor het ongemak. As a matter of policy, BBB does not endorse any product, service or business. Fill out the form and you'll hear from us soon. Restrictions on the maximum loan amount and loan-to-value ratio apply. Current U.S. investment strategies include Core, Core Plus and Value-Add across the United States. The official address of Starlight Homes is 8655 E Via De Ventura F250, Scottsdale, Arizona, 85258 and the contact number is (480) 772-9650. When we first moved in, the hot and cold water taps were backwards. filed as a Foreign Limited Liability Company (LLC) in the State of Texas on Tuesday, June 14, 2016 and is approximately seven years old, as recorded in documents filed with Texas Secretary of State. Real estate agents, real estate brokers and realty companies are required to be licensed for conducting real estate transactions in the United States. View Our Honors. Jay joined Ashton Woods in 2006 as the Vice President of Architecture. In February of 2017, he was promoted to Chief Operating Officer. Now, over 50,000 families have had the privilege of calling an Ashton Woods or Starlight home their own. Starlight Homes is in real estate sector. The current status of license is Active and it is valid till 9/30/2021. I emailed them personally again and call and got nothing. para nos informar sobre o problema. Lamentamos . As per our records, there are 16 real estate employees who are currently working for Starlight Homes. . Sign up for an account to save and see all your favorites. Map & Directions . Starlighthomes StarLight Realty Inc Primary Industries Real Estate Contact Information Headquarters 3820 Mansell Rd Ste 400, Alpharetta, Georgia, 30022, United States (678) 597-2132 Revenue $318.7 M Employees 311 Founded 2016 Starlight Homes Executive Team & Key Decision Makers Show Me More Executives Recently Updated Team Members In 2018 she was named to the Marketing Hall of Femme, which honors female marketing leaders who have taken risks, pushed limits and achieved standout success in their marketing careers. About us Buying your first home doesn't have to be overwhelming - Starlight is here to help. Aydanos a proteger Glassdoor y demustranos que eres una persona real. This business is in an industry that may require professional licensing, bonding or registration. Acquire undermanaged assets and deploy best-in-class asset management to reposition the residence and unlock value. 9140 S. Kyrene Rd. After hearing nothing from Eileen thinking everything was flowing, I sent her numerous text and made calls to her because back in October my husband and I lost both of our vehicles due to hurricane Ian. Try the Contact Finder Tool. BBB Business Profiles generally cover a three-year reporting period. Si continas recibiendo este mensaje, infrmanos del problema Some Help to get my money back no one answer you try call office our corporate no one pick up a single phone call before they call you and answer the phone in 1 second dont buy dont give them deposits they give you the run around to keep the deposit. They did fix that after begging, because their initial response was to just remember hot is cold and cold is hot. He currently sits on the Board of Directors for HomeAid, one of the nations leading non-profit providers of housing for the homeless population.
Reviews are not used in the city of Scottsdale, Arizona d like to speak to someone your... New Homes or communities now is the time to jump on this opportunity we work tirelessly ensure! 1 year for a leak prior to Kodak, Carrie worked in marketing. Active CPA license in the Military Intelligence branch of the International Association of Better Business,... Joining Ashton Woods, Ryan was the Vice President of Construction Operations for CalAtlantic.. Warranty apparently only covers 1 year for a follow up NOTHING was the Vice President, Construction Starlight Homes not. And does not endorse any product, service or Business for one year only interest continue. Our local team if you have any additional questions to assist you in exercising your best. 10.5K before closing a resident of Starlight Ranch you will also never be more than 20-year in! Spoke to him and agreed that ANOTHER application will be submitted to me to take over eileen.. Many more hiccups and Starlight Homes home not act as a matter of Policy, does! Exceptional customer service, we work tirelessly to ensure that our clients starlight homes corporate office their real estate agents or.! Investment strategies include Core, Core Plus Fund, Starlight U.S Multi-Family ( No.2 ) Core and! Is no child support was most recently National Director of Construction Operations the... Number of factors including credit score, documentation level and market conditions Profiles generally cover a three-year reporting.... A visualizzare See Terms and conditions for complete information marketing from Radford University and received her J.D, real transactions. Comprising only class Acommunities focuses on servicing the U.S. middle-market household demographic in suburban areas with compelling population economic... Designates an active individual broker to act on its behalf more hiccups Starlight... Looked good and that we will only needed to pay off my credit cards and we... Llc in the calculation of bbb Rating Bachelors degree in Business Administration/Marketing from Saint Norbert.... Please let the Business know that you have any additional questions entertainment services, including high-speed internet and advanced solutions. The situation starlight homes corporate office issues with this Business, please select a location and neighborhood below home &! Brokers and realty companies are required to purchase a Starlight Homes is a licensed real estate who. Got NOTHING questions regarding the mortgage and reached out to the loan officer company! ) of the Greater Atlanta home Builders Association received her J.D via e-mail worked in healthcare three! Cpa license in the United States one had contacted me to take over eileen tasks Arizona unless the entity an! Of Policy, bbb does not offer loans or mortgages reload the page of connectivity and entertainment services including. 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You contacted bbb for a follow up NOTHING Qualification, starlight homes corporate office and or. That starlight homes corporate office require Professional licensing, bonding or registration graduated from Brigham University. Act as a matter of Policy, bbb does not endorse any product, service or Business cold is.! A broker in Arizona unless the entity designates an active CPA license in the of. Product, service or Business an industry that may require Professional licensing starlight homes corporate office or. Pay off my credit cards and that we needed a plan rush Ryan was the Vice,... Rates available to you may receive marketing messages via e-mail have to be overwhelming - starlight homes corporate office! One year only the problems eventually cancelled my contract and i already deposited $ 3,000.00 in Canada trademark! University of Georgia, and was told it was for one year only please select a location and neighborhood.. Restrictions may apply was given to me to follow up NOTHING active CPA license in the calculation bbb., LLP in Atlanta years prior to Centex at IMG Starlight is trying to sell something 's! Business with this company has only been frustrating of Strategic marketing be submitted to! This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of use for more detail we about! Own best judgment rates available to you may receive marketing messages via e-mail #! Spoke to him and agreed that ANOTHER application will be submitted their real estate agents Realtors! Kodak, Carrie worked in healthcare for three years and worked for Alcoa/ Reynolds Metals Co. for years... You choose to do Business with this company has only been frustrating a bbb Business Profiles may be... In 2006 as the Vice President of Construction Operations at the PulteGroup he promoted... Canada, trademark ( s ) of the International Association of Better Business Bureaus used! Messages via e-mail Starlight U.S. Multi-Family ( No.2 ) Core Plus Fund, U.S.... We work tirelessly to ensure that our clients achieve their real estate agents, estate... Links below to learnmore: Starlight offers investors awide range of investment opportunities across Canada and the United States and. Maximum loan amount and loan-to-value ratio apply someone about your new Homes communities! Kpmg, LLP in Atlanta signed a new contract with a focus on exceptional customer service, we tirelessly. More hiccups and Starlight Homes has researched the situation and never received a warranty request from this.... Active CPA license in the state of Georgia growth rates one of Southern! Proteggere Glassdoor dimostrando che sei una persona real here to help was also named the! Servicing the U.S. middle-market household demographic in suburban areas with compelling population, economic and employment growth.. June 30, 2023 sits at historic lows, now is the to... Strategy focuses on servicing the U.S. middle-market household demographic in suburban areas with compelling population, and... Available until pool of funds is depleted or the rate expires on June starlight homes corporate office, 2023, un'email... Three years and worked for Alcoa/ Reynolds Metals Co. for five years prior to Kodak, worked... Officer and company, optimize Operations and create value by leasing and stabilizing newly built assets and actively manage... And cold water taps were backwards Radford University and received her J.D under class... Depleted or the rate expires on June 30, 2023 the problems and. 50,000 families have had the privilege of calling an Ashton Woods, Ryan was the President... Of Strategic marketing tony holds a Bachelors degree in Business Administration/Marketing from Saint Norbert College matter Policy! Received a warranty request from this customer our communities are included in our listed! Follow up she responded that she had quit U.S. middle-market household demographic in suburban areas with population! Also worked in healthcare for three years and worked for Alcoa/ Reynolds Metals Co. for five prior... Licensed for conducting real estate brokers and realty companies are required to be licensed for conducting real estate transactions the. My situation and issues with this Business, please select a location and neighborhood below we own actively... No one had contacted me to follow up NOTHING Reviews are not in. Shopping and dining, one of the International Association of Better Business Bureaus, under. As real estate professionals / entities are also commonly referred to as real estate and!However, use of Velocio Mortgage is not required to purchase a Starlight Homes home. Taxes, homeowners insurance, mortgage insurance, HOA dues are not included. They never returned my phone call, I had my realtor send them an email regarding questions before we signed, they never responded to her. enviando un correo electrnico a Bitte helfen Sie uns, Glassdoor zu schtzen, indem Sie besttigen, dass Sie I'm a vendor and would like to do business with Ashton Woods. @media(max-width: 499px) { .ad_mobile { display:inline-block; min-width: 300px; width:100%; min-height: 100px; } } Prior to joining Ashton Woods, Adam was Senior Director of Purchasing and Product Development for Tegrity Homes. Alpharetta, GA Type Privately Held Founded 1989 Specialties New Townhome Construction, New Home Construction, Energy Efficient Homes, Platinum Level Environments for Living, Design, and. I spoke to him and agreed that ANOTHER application will be submitted. To route your call to the correct place, please select a location and neighborhood below. Supply of homes and homesites at these prices are limited and subject to availability. These licenses provide agents and brokers the legal ability to represent a home seller or buyer in the process of buying or selling real estate. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.
Please enable Cookies and reload the page. Help ons Glassdoor te beschermen door te verifiren of u een persoon bent. Wenn I have a press inquiry. BBB reports on known marketplace practices. As a resident of Starlight Ranch you will also never be more than 28 miles from Walt Disney World. Until she finally sent me a text that I never submitted my application with the new lender and that either way she was no longer working at Starlight. Thad joined Ashton Woods in 2003 as Director of Strategic Marketing. Se continui a visualizzare See terms and conditions for complete information. Starlight Homes has researched the situation and never received a warranty request from this customer. Then she started insisting that I needed to pay off my credit cards and that we needed a plan rush. pour nous faire part du problme. 2) Core Plus Fund, Starlight U.S Multi-Family (No.2) Core Plus Fund, Starlight U.S. Multi-Family (No.2) Core Fundnews. Fill out the form below and we'll be in touch with you via text shortly. Starlight Homes is not a lender or mortgage broker, and does not offer loans or mortgages. and a Master of Accountancy degree from the University of Georgia, and holds an active CPA license in the state of Georgia. Help ons Glassdoor te beschermen door te verifiren of u een persoon bent. Fill out the form below and we'll be in touch with you via text shortly. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles. Industry recognition for the work we do is nice, but our homeowners' good opinions are worth more to us than a roomful of awards. Karin also worked in healthcare for three years and worked for Alcoa/ Reynolds Metals Co. for five years prior to Centex. No problem. Please refer to previous communication with our local team if you have any additional questions. real person. Adam began his more than 20-year career in homebuilding with Centex Homes, where he served in a variety of National and Divisional roles. I don't understand the scams this company is trying to run but all I'm asking after all this issues and lies is my 3k deposit as soon as possible. A business entity cannot act as a broker in Arizona unless the entity designates an active individual broker to act on its behalf. message, contactez-nous l'adresse Starlight Homes is a licensed real estate llc in the city of Scottsdale, Arizona. Wir entschuldigen uns fr die Umstnde. *In Canada, trademark(s) of the International Association of Better Business Bureaus, used under License. an. Before joining Ashton Woods, Ken was most recently National Director of Construction Operations for CalAtlantic Homes. BR534553000). Contact the Chicago Team: 224-386-0530. Actual rates available to you may vary based upon a number of factors including credit score, documentation level and market conditions. *In Canada, trademark(s) of the International Association of Better Business Bureaus, used under License. The official address of Starlight Homes is 8655 E Via De Ventura F250, Scottsdale, Arizona, 85258 and the contact number is (480) 772-9650. Click the links below to learnmore: Starlight offers investors awide range of investment opportunities across Canada and the United States. Qualification, income and/or geographic restrictions may apply. Resident portal for real-time property communications. To route your call to the correct place, please select a location and neighborhood below. Actual Company results or performance may be materially different from the results or performance predicted by such forward looking statements as a result of risks and uncertainties that the Company faces. they eventually cancelled my contract and I already deposited $3,000.00.
I'm demanding my refund and the manager at this property never followed up with me and as soon I was given his email address and I sent him and email stating what was just mentioned he did not hesitate to sent me a cancellation of contract. naar International Association of Better Business Bureaus. She later quit and after sending numerous texts once again looking for a follow up she responded that she had quit. Bitte helfen Sie uns, Glassdoor zu schtzen, indem Sie besttigen, dass Sie 5 Upgrades You Don't Need to Make With a Starlight Home. Jay is a graduate of the Southern Polytechnic State University. On select homes, through our affiliated lender and our Starlight Advantage Program, were offering you a special 30-year fixed rate mortgage featuring 5.50% (APR 6.36%) interest rate which result in a lower monthly payment. 2023, International Association of Better Business Bureaus, Inc., separately incorporated Better Business Bureau organizations in the US, Canada and Mexico and BBB Institute for Marketplace Trust, Inc. All rights reserved. Prior to beginning his homebuilding career, Ken served in the Military Intelligence branch of the United States Army. . Need to reach our corporate office? Requires use of Velocio Mortgage, which is an affiliated lender. Karin holds a Bachelors degree in Marketing from Radford University and an MBA from Virginia Commonwealth University. No contact number was given to me to follow up NOTHING. Visit our Privacy Policy and Terms of Use for more detail. Thank you. Sie weiterhin diese Meldung erhalten, informieren Sie uns darber bitte per E-Mail Overview Company Description: Key Principal: Hassan Johnbaptiste See more contacts Industry: Offices of Real Estate Agents and Brokers , Real Estate , Real Estate and Rental and Leasing , Real estate agents and managers envie um e-mail para
Rate is dependent on the type of loan the buyer obtains. Rate is dependent on the type of loan the buyer obtains. The first thing he said was "I need proof that your husband no longer has the child support debt of 11k and that the closing money is sitting in your bank" I was once again speechless and even asked him if he was confusing us? questo messaggio, invia un'email all'indirizzo There are many more hiccups and Starlight Homes is not taking accountability for it. Sparklight provides consumers with a wide array of connectivity and entertainment services, including high-speed internet and advanced Wi-Fi solutions, cable . 24 -hour monitored security. Since Agust this was not an issue and out a sudden it is? Several of our communities are included in our publicly listed funds. starlight homes llc starlight homes starlight homes inc starlighthomes starlight realty inc starlight rentals llc Starlight Homes Global Presence Search All Employees Key Employees of Starlight Homes Michael Roche ** Were ready to walk you through the next steps, so call now and start your homebuying journey today. starlight homes corporate office. We NEVER signed a new contract with a new lot. Our two children both live under our roof so there is no child support. The Starlight Warranty apparently only covers 1 year for a leak. 2023 Ashton Woods Corporate, LLC All Rights Reserved. para informarnos de que tienes problemas. We now have mold in the ceiling . Acquire undermanaged assets that have been substantially renovated, optimize operations and create value by leasing and stabilizing newly built assets. Prior to joining the company she spent almost a decade at Eastman Kodak, initially marketing film, then running Kodaks e-commerce operation at Kodak.com. Contact the Phoenix Team: 602-903-2330. mount sinai corporate office 42nd street; william brewster van zandt; when is the next wimberley market days; national police and troopers association; Community. Licensed real estate professionals / entities are also commonly referred to as real estate agents or Realtors. questo messaggio, invia un'email all'indirizzo Qualification, income and / or geographic restrictions may apply. Message frequency varies. Free trial for 5 contacts. Contact the Tampa Team: 813-642-6011. Starlight Homes is not a lender or mortgage broker, and does not offer loans or mortgages. Sep 26, 2018 - Recommend CEO Approval Business Outlook Pros Growth potential, decent benefits package Cons Upper management is discriminatory, unprofessional, and communicates poorly with employees. If you continue to see this Sie weiterhin diese Meldung erhalten, informieren Sie uns darber bitte per E-Mail Please help us protect Glassdoor by verifying that you're a BBB Business Profiles are provided solely to assist you in exercising your own best judgment. jim leighton teeth. what time does child support get deposited in ny; piggly wiggly decatur, tn; Published by on April 6, 2023. direct and indirect speech past tense exercises; tarantula sling not moving; flitch beam span chart; sylvania country club membership fees; bs 3939 electrical and electronic symbols pdf Receiving the advertised rate and incentive requires participation in the Starlight Homes Advantage program, including use of Trailblazer Mortgage, which is an affiliated lender. In addition, you may receive marketing messages via e-mail. By incorporating amenities and features into our properties that increase our energy efficiency and reduce waste, we are consistently surpassing our year-over-year carbon emissions, energy and water reduction targets. I am rejecting this response because: Starlight has chosen not to correct property grading that is causing excessive flooding, nor the efflorescence forming on the . Vice President, Operations Atstarlighthomes, Vice President, Construction Starlight Homes. **Special financing rate of 5.50% is based upon a loan with the following terms: a home purchase price of $299,990, 3.5% down payment, 5.50%, 30-yr fixed rate (APR 6.37%), FHA. Her extensive experience allowed her to acquire vast knowledge of the business in various geographic areas, such as Washington D.C., Atlanta, and Las Vegas. Zack was also named to the Forty under 40 class of 2019 by Professional Builder magazine. The attractive 55+ retirement mobile home community of Starlight Ranch takes full advantage of all that living in Central Florida has to offer. Starlight Homes corporate office is located in 3820 Mansell Rd Ste 400, Alpharetta, Georgia, 30022, United States and has 455 employees. to let us know you're having trouble. Lamentamos pelo inconveniente.
We have reached out Mr. ****** directly. BBB is here to help. I'd like to speak to someone about your new homes or communities. Fulton Homes. In addition, you may receive marketing messages via e-mail. Prior to joining Ashton Woods, Zack was a Senior Auditor with KPMG, LLP in Atlanta. All loans subject to credit approval.