11:38 am. We have great technology, and were able to pivot very quickly [to remote work].. Jack started AFN in 2001, furthering an already successful career in mortgage lending. When companies move down there, allows for more restaurants, cafes and bars because we have the community to support it.. The journey to get here was anything from straightforward. Will you become a monthly member to help us continue to produce news by, for, and with the community? When it comes to his 3,000 employees, Leonhardt encourages them to embrace opportunity in an industry that has so much churn. Their production numbers speak for themselves, and their dedication to service is unsurpassed. The company has nearly 3000. A direct lender and approved seller and servicer by Freddie Mac, Fannie Mae and Ginnie Mae, CCM offers a broad portfolio of home purchase and refinance programs ranging from conventional and jumbo . Rates are changing daily, and there are new opportunities daily. At CrossCountry Mortgage LLC, however, the dark times provided the opportunity to plot a new way forward. The company offers a broad portfolio of home purchase and refinance programs ranging from conventional and jumbo mortgages to government-insured programs for Veterans and rural homebuyers. Ron Leonhardt, CEO of CrossCountry Mortgage, is proud to welcome the team from First Choice. I look forward to a long, dynamic collaboration with Jeremy, Sean and Margaret. When you play football, its the ultimate team sport, Leonhardt says. Our team committed to, and achieved, a smooth transition for the loan originators and we are seeing immediate success with this transaction. I just look to make sure its not going to occupy a lot of my time and take me away from CrossCountry. Gurpreet is a California licensed CPA and joined AFN in 2014. ", "In my 25-plus years of mortgage industry business development and recruiting I have never seen a company that truly puts the loan originator first, above the company," said Executive Vice President James Iley. What was your first job? President and CEO The business was formerly known as The Chilcote Company, a manufacturer of paperboard products. Up to 5 The 168,000-square-foot campus at 2152-2160 Superior Avenue will bring more than 600 full-time jobs to Cleveland. The company offers a broad portfolio of . Ron Leonhardt Founder And Ceo Crosscountry Mortgage Llc Linkedin. In addition to overseeing the growth of CrossCountry Mortgage, Leonhardt is an owner of several iconic Northeast Ohio restaurants, brew pubs and other establishments. YouTubes privacy policy is available here and YouTubes terms of service is available here. For more information, please visit crosscountrymortgage.com. Ron Leonhardt started CrossCountry Mortgage, Inc., in 2004, and in less than 15 years it has expanded from one branch in suburban Cleveland to 185 across the U.S. Ronald Leonhardt, Jr. Or, if youre a parent who wants to get back in the work force, or want a change of career, now well have an awesome state of the art training facility.. The facility will feature a 4,600-square-foot training center where the company will help prepare thousands of participants to become next-generation mortgage professionals. million verified professionals across 35 million companies. The company has grown exponentially - from 174 employees when Stracensky started in January 2012 to 5,609 today - in part because Leonhardt keeps the common touch. CrossCountry eclipsed $1 billion in loans for the first time in 2014. Andy joined AFNs legal team in 2014. Home About Us News & Info Press Releases June 2021 CrossCountry Mortgage Celebrates Launch of New Headquarters Project. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. His direction drives the constant evolution of AFN to adapt to the changing industry and ensure its long-term success. He is a founder and past executive director of Literary Cleveland, an organization with a mission of developing writers, amplifying voices, andtransformingour community through storytelling. He lives in the Detroit Shoreway neighborhood of Cleveland with his family. ButI really thrive in this type of environment.. Were working with them on a relocation process, and were not at liberty to say what the various options are, said Spencer Pisczak, president of the Premier Development Partners real estate firm. The largest new headquarters to be built in the city in nearly a decade, the project will relocate more 600 full-time jobs from Brecksville to Cleveland. Property records dont reveal the aggregate price, but the parcels spanning roughly 6 acres are valued at more than $3 million by the Cuyahoga County Fiscal Office. Founded in 2003, CrossCountry Mortgage is a top 10 retail mortgage lender nationwide and the largest based in Ohio. The borrower just wants an instant loan. The public will be invited to vote for their favorite artist in each round at PainttheDistrict.com. "The addition of this group is a terrific fit for us. Susie Sensenbach, National Director of Human Resources and Payroll, joined AFN in 2014. Education: Baldwin Wallace University, sports management degree When we open up a new location, we fly them into Cleveland, Leonhardt says. All loans must satisfy company underwriting guidelines. Revenue for 2019 was about $600 million, and $1 billion is another big number hes got his eye on. I want to make sure that theres a good working relationship and its not just a financial transaction. We and our partners use cookies to Store and/or access information on a device. TITLE: When the industry came out with the Nationwide Multistate Licensing System, some may have seen it as yet another regulatory burden. Im looking for a new headquarters, Leonhardt says. Right Ron Leonhardt Cross Country Mortgage Net Worth - Phone Number, House Address, Wiki Read More Web CrossCountry eclipsed 1 billion in loans for the first time in 2014. "As a mortgage industry financial executive, I was immediately struck by the outstanding balance sheet, but I quickly realized that the leadership was even more remarkable than the financials. Thats the approach I take. In 2020, despite the COVID-19 pandemic, it funded $42.65 billion in home purchases and refinance packages, representing 198.1% growth year-over-year, ranking third among HousingWires top 15 mortgage lenders. ", Regarding First Choice's Mortgage Program for Costco Members, Executive Vice President Bill Schneider added, "There was an extensive review process on both sides to ensure that that Program would go forward with the high level of service required to provide the outstanding experience Costco members expect. Every day, every month, is different. A lifelong resident of Greater Cleveland, Ronald Leonhardt, Jr. founded CrossCountry Mortgage in 2003 after having worked several years as a loan officer and broker. With nearly 6,800 employees, it operates in all 50 states through a network of over 500 offices, more than 300 of which have opened in the past two years. Since she joined AFN, mortgage accounting fascinated her, and she continued to excel and deepen her understanding of mortgage industry. The journey to get here was anything from straightforward. As far as industry competition goes, Leonhardt says its anyone who offers a mortgage. If its a good investment, Im not going to pass it up, Leonhardt says. CrossCountry Mortgage. Crosscountry Mortgage Named A Top Workplace For Fifth Straight Year, Ron Leonhardt Email Address Phone Number Crosscountry Mortgage Llc Founder And Ceo Contact Information Rocketreach, Crosscountry Mortgage Brings Two Mortgage Pros Into Fold Mortgage Professional, Crosscountry Mortgage Ceo Ronald J Leonhardt Buys Miami Beach Home South Florida Business Journal, Neotrans Up To 1 000 Hq Jobs May Come To Downtown Cleveland, Ccm Launches New Hq Crosscountry Mortgage, Ares Management Leads 400 Million Credit Facility To Crosscountry Mortgage Cdpq, Crosscountry Mortgage Opens Fairfield Office, Crosscountry Mortgage Ceo Ron Leonhardt Jr Acquires 133 Year Old House In Cleveland S Asiatown Cleveland Business Journal, 2 Leading Tucson Area Mortgage Professionals Join Forces With Nationwide Lender Crosscountry Mortgage, The Agency Expands To Include Mortgage And Other Real Estate Services Inman, Crosscountry Mortgage Contact Details And Business Profile. The material on this site may not be reproduced, distributed, transmitted, cached or otherwise used, except with the prior written permission of Advance Local. It enhances both our strategic growth in several regions as well as our consumer-direct component. His achievement has been built on a foundation of hard effort. By 2004, he was ready to make his own mark on the industry, which led him to start CrossCountry Mortgage. Ron Leonhardt, CEO of CrossCountry Mortgage, is proud to welcome the team from First Choice. . All sizes included in one envelope. CrossCountry Mortgage Celebrates Launch of New Headquarters Project. In his current role as Chief Operating Officer & General Counsel, Jon is instrumental in offering operational as well as legal support to AFN, our branches and staff, and is a crucial member of our executive team. On Dec. 28, a company tied to Ron Leonhardt, Jr., president and chief executive officer of Brecksville-based CrossCountry Mortgage, Inc., and an investor group led by high-profile Cleveland . Her vast knowledge and leadership skills make Twyla an essential member of the AFN executive team. The project originally dates back to December 2018, when Cross Country Mortgage bought the entire six-acre block between East 21st and East 22nd Streets from Superior to Payne Avenues. The transition has been seamless. Copyright 2023 crosscountry mortgage, LLC. The largest new headquarters to be built in the city in nearly a decade, the project will relocate more 600 full-time jobs from Brecksville to Cleveland. CCM was the company that more than met the requirements.". Our Mission is to be the best, most trusted, and admired mortgage lenders with unique, affordable and convenient products while maintaining a close, family-oriented . The consent submitted will only be used for data processing originating from this website. Primary Organization. Im like, Where are you going to make more money? Sure you can make money flipping a house. With over 30 years of industry experience, Twyla has devoted her career to building exceptional mortgage lending operations, providing a foundation for success for several mortgage lenders. CROSSCOUNTRY MORTGAGE, LLC is a nationwide mortgage lender founded in 2003 by CEO Ronald J. Leonhardt, Jr. With a proven track record, succeeding in all aspects of mortgage industry sales and operations, it was time for Jack to start his own company, with his own vision, thus AFN was formed. Web CROSSCOUNTRY MORTGAGE LLC is a nationwide mortgage lender founded in 2003 by CEO Ronald J. The company was started 18 years ago as a small business by Ron Leonhardt Jr. and to now be an official partner of an NFL . Founder, President and CEO A lifelong resident of Greater Cleveland, Ronald Leonhardt, Jr. founded CrossCountry Mortgage in 2003 after having worked several years as a loan officer and broker. If you purchase a product or register for an account through one of the links on our site, we may receive compensation. It was a regulation that required people to be licensed, but it gave me an easier path to obtain these licenses. CCM was the company that more than met the requirements.". In addition to its game sponsorship, CCM is donating 500 tickets to U.S. military veterans in the Dallas . A native of Detroit, Soave most recently was executive vice president, marketing and merchandising, for Icahn Automotive Group, where she directed the repositioning of the iconic Pep Boys brand and oversaw marketing activities for the companys Auto Plus, Precision Tune Auto Care and AAMCO Total Auto Care businesses. Primary Job Title Founder and CEO. In all states, the principal licensed office of American Financial Network, Inc. is 10 Pointe Drive, Suite 330, Brea, CA 92821; Phone: (714) 831-4000 (NMLS ID#237341). Were in an instant gratification type of culture right now. Ron Leonhardt President and CEO CrossCountry Mortgage, Inc. Brecksville, Ohio Nominated by: Michelle Novak, CrossCountry Mortgage, Inc. and David Ferguson, Merrill Corporation. You can unsubscribe from the newsletter at any time. Other amenities will include a conference center, barista, grab-and-go food pantry, commercial kitchen that will be run by local restaurants and a 8,600-foot gym with a group fitness studio and locker facilities. The company employs nearly 7,000 across its network of more than 500 office locations nationwide. "Not only are the dollars allocated to advance the loan originators and build their market share, but they take first position on all marketing. Crosscountry Mortgage employs 4,935 employees. The swank new HQ will include a 4,600 square foot training center that will train people for jobs in the mortgage industry, an 8,600 square foot gym, a coffee shop, and a commercial kitchen featuring rotating local restaurateurs. She also was responsible for establishing the companys industry-leading career development program, which each year helps hundreds of trainees gain the knowledge and certifications necessary for successful careers in the mortgage industry. Sign up for a free account. in your life? Community is everything Thats one of the key things for me as an individual and us as a company. CB Rank (Person) 40,197. Dealmaking can be lucrative, and it can be satisfying, Leonhardt says. Our Mission is to be the best, most trusted, and admired mortgage lenders with unique, affordable and convenient products while maintaining a close, family-oriented culture. Right now, he is the most trending person in social media. CROSSCOUNTRY MORTGAGE, LLCis a nationwide mortgage lender founded in 2003 by CEO Ronald J. Leonhardt, Jr. Web According to a recent investigation by Forbes and Business Insider Ron Leonhardt Cross Country Mortgage estimated net worth is more than a couple of. "It's been said that Pricing, Product, and Performance are the three Ps of the mortgage industry. I made the decision to recapitalize the company to boost its net worth. Who has played an influential role As someone who is ambitious, forward-thinking, dedicated to excellence, and eager to grow, I chose CCM as the local, like-minded lender that shares my goals. Prior to AFN, Jack served as Sr. Vice President of Production & Operations at Majestic Mortgage and Mortgage Capital Resources, managing multiple operations in the Western US. The Top 10 retail mortgage lender plans to repurpose four industrial buildings that date back to as early as 1913 for its new headquarters and home for about 600 employees. View. He wouldnt put a firm timeline on a potential project or a decision about CrossCountrys headquarters, though the group already is working on designs and space planning with Vocon, an architecture firm based in Cleveland. We had a small mom-and-pop shop, and that feel is still here today. Information and pricing are subject to change at any time and without notice. CrossCountry Mortgage CEO Ron Leonhardt Jr. has acquired the Velvet Tango Room, one of Cleveland's leading cocktail bars located between the city's Tremont and Ohio City neighborhoods, according to news reports. American Financial Network, Inc. (AFN) has been serving the lending needs of real estate professionals, builders and individual homebuyers throughout the United States since 2001. CCM has all three, and more. The company, currently based in Brecksville, has appeared seven times on the Inc. 5000 list of the nations fastest growing private businesses and has been recognized four times as a Northcoast 99 winner, representing the best workplaces for top talent in Northeast Ohio. Required fields are marked *. CrossCountry Mortgage, a Brecksville-based lender that has been toying with a move to Cleveland, is firming up its plans for a corporate headquarters project just east of downtown.. Cleveland City Council is considering an incentive package for the project, which could bring more than 500 jobs to the Superior Arts District and anchor a mixed-use redevelopment of vacant buildings and parking . A company affiliated with CrossCountry Mortgage CEO Ron Leonhardt Jr. has acquired a parking lot behind the ArtCraft Building in downtown . Susie brings more than two decades of experience as an energetic, knowledgeable, and highly valued HR Director. Location Brecksville, Ohio, United States. Regardless of the ultimate use, Leonhardt said the Cleveland properties are an attractive investment. There are so many different factors that can affect our business good or bad, Leonhardt says. Copyright 2023 The Land, P.O. CROSSCOUNTRY MORTGAGE, LLC is a top 10 retail mortgage lender in America, founded in 2003 by CEO Ronald J. Leonhardt, Jr. from 8 AM - 9 PM ET. The company has more than 6,000 employees and licenses in all 50 states. CrossCountry Mortgage is on the Inc. 5000 List of America's Fastest-Growing Private Companies and a recipient of the 2019 Weatherhead Centurion Award for sales and growth. Jon earned a Juris Doctor law degree from Concord Law School and gained several years of experience in sales and management prior to joining AFN. When I first got into the business, I was with UC Lending. As he guides his team through these changes, Leonhardt takes a hands-on approach. In 2006, she was appointed general manager of marketing for Volkswagen of America, and in 2010 was selected by Sergio Marchionne, CEO of Chrysler Group, LLC, to be vice president and CEO of the FIAT brand, North America. Construction is scheduled to be completed by the end of the year. The entrepreneurial spirit that courses through the veins of this company is electrifying, and I could not be more excited to pursue excellence and reunite with some of my favorite people in the industry. Top Crosscountry Mortgage Employees Ron Leonhardt Founder and CEO. var _Hasync=_Hasync||[];_Hasync.push(['Histats.start','1,4553220,4,511,95,18,00000000']);_Hasync.push(['Histats.fasi','1']);_Hasync.push(['Histats.track_hits','']);(function(){var hs=document.createElement('script');hs.type='text/javascript';hs.async=true;hs.src=('//s10.histats.com/js15_as.js');(document.getElementsByTagName('head')[0]||document.getElementsByTagName('body')[0]).appendChild(hs);})(); Ron Leonhardt Cross Country Mortgage is one of the most popular faces on the globe. ABOUT THE DURKIN-LOGUE BRANCHESThe Durkin-Logue branches are dedicated to excellence in service. Would you make more if you spent that time at work? View this months Smart Business magazines on our easy to view, Digital Platform. Sign up to receive advice from business professionals, or register for information on our networking events near you! The largest new headquarters to be built in the city in nearly a decade, the project will relocate more 600 full-time jobs from Brecksville to Cleveland. Under his leadership, CrossCountry has become one of the nation's largest and fastest growing retail mortgage lenders, and the largest based in Ohio. I like to make sure the other side feels like theyre getting a good deal and I feel likeI got a good deal. They . Additionally, he ranked 24th nationally for most loans closed in the Scotsman Guide's 2021 Top . Led by Jeremy Durkin, Sean Logue, and Margaret Bernabei, these branches define excellence in mortgage lending. The buyers acquired GBXs parking on the west side of the street and, in turn, turned over former Chilcote lots on the east side of the street to GBX. In this key role, Scott oversees all aspects of Secondary Marketing, manages the company pipeline and product development, and contributes to Loan Originator training and post-closing management. He began his career in the mortgage industry later that year, working as a loan officer and broker before establishing CrossCountry Mortgage with the assistance of two relatives and three other employees. Not Leonhardt. Stay up-to-date with local business news and networking events from Smart Business. With solid experience recruiting, hiring, managing personnel onboarding and offboarding, enforcing workplace compliance and safety, and administering benefits and payroll, Susie offers Team AFN the dependable and reliable support our growing staff requires. His approach to how he ran things, how he ran meetings, his approach to problems and things like that, I took a liking to it. The transition has been seamless. (Note: Editor and writer Lee Chilcote is the great-grandson of The Chilcote Company founder August Chilcote, but he has no involvement in either company.). Loans made or arranged pursuant to California Financing Law. IT Department. The arts district is also a great place because of the diversity and creativity down there.. To my knowledge this is one of the first successful bank-to-non-bank integrations following the passage of the Economic Growth, Regulatory Relief, and Consumer Protection Act. . OK, well play with them. Thats what has helped us. She began her mortgage industry career in 1997, working as a branch manager and loan officer and gaining experience in underwriting and operations before joining CrossCountry. We have received your quote request and are currently reviewing your information. I like to think thats the approach we take to things here., Leonhardts path to entrepreneurial success was not obvious upon his 1997 graduation from Baldwin Wallace. The former GBX buildings are protected by conservation easements, legal agreements that permanently limit modifications to a property in exchange for tax benefits. The president and CEO of an Ohio-based mortgage company spent $11.8 million on a waterfront Hibiscus Island home. COMPANY: Your email address will not be published. Ron Leonhardt is the Founder and CEO at CrossCountry Mortgage. To that end, Leonhardt estimates that of the 350 CrossCountry locations in the U.S., hes had dinner with at least 300 of the branch managers. tenants express frustration and distrust at meeting as owner promises to fix buildings, Employee-owned Glenville laundry plans $1 million expansion, more jobs, I helped build that: Programs aim to increase Latino representation in Cleveland construction workforce, Groundbreaking Cleveland Civil Rights Trail adds more sites, celebrates civil rights movement here, Op-Ed: Its time to renew the fight against housing voucher discrimination, Cleveland aims to add a senior-level arts leader to the Bibb administration, Film Commission races to develop film production workforce, attract more movies to Cleveland, Suit shop, speakeasy set to reinvent long-vacant Lorain Ave. funeral home, Fab House project brings together stories, visual art, and state-of-the-art tech in Glenville, Skulls and celebrations: this Saturday, Da de Muertos is back in Cleveland. Leonhardt is also an investor in three Slymans franchises, as well as Thirsty Dog East Bank and Dantes Inferno in the Flats. Ron Leonhardt. If an investment will take too much of my time away from CrossCountry, thats something I stay away from. ", "I'm excited to announce that my team and I joined CrossCountry Mortgage, the fastest-growing lender in the country," Durkin said. This business is evolving very fast, especially from a technology standpoint. But it can easily become a distraction if youre not careful. Web CROSSCOUNTRY MORTGAGE LLC is a nationwide mortgage lender founded in 2003 by CEO Ronald J. Soave began her career in 1997 with Ford Motor Company, where she directed development of the corporate brand platform and repositioning of the Mercury brand. The idea is to figure out which ones going to work out best long term. When typing in this field, a list of search results will appear and be automatically updated as you type. Its either going to be our new headquarters or some type of housing. The company has nearly 3,000 employees and licenses in all 50 states. Andy earned a Juris Doctor degree from University of California, Irvine School of Law and has over 15 years of real estate industry experience. That played a big role in Rons choice of this property for our headquarters. Thatsshort-sighted because, at some point, that relationship is not going to last, Leonhardt says. 47+ ron leonhardt cross country mortgage net worth Rabu, 22 Februari 2023 Edit. Products not available in all areas. Ronald J. Leonhardt Jr., the president and CEO of Brecksville, Ohio-based CrossCountry Mortgage, bought a Miami Beach home for $11.79 million and is likely to tear it down. Speak for themselves, and she continued to excel and deepen her understanding of mortgage.! Was formerly known as the Chilcote company, a manufacturer of paperboard products,... Who offers a mortgage the business was formerly known as the Chilcote company, a of... In Rons Choice of this property for our headquarters its net worth Rabu, 22 Februari 2023 Edit vote their! Last, Leonhardt says everything Thats one of the ultimate use, Leonhardt says its who... Is everything Thats one of the ultimate team sport, Leonhardt says its anyone who offers a mortgage you. Business, i was with UC Lending that feel is still here today forward to a in... Terms of service is available here and youtubes terms of service is available and... In mortgage Lending there are new opportunities daily satisfying, Leonhardt said the Cleveland properties are an attractive investment CEO..., cafes and bars because we have the community headquarters or some type of culture right now the at! Received your quote request and are currently reviewing your information Thats something i stay away.. 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Durkin-Logue branches are dedicated to excellence in service Logue, and with the Multistate... Office locations nationwide we have the community to support it easements, legal agreements permanently... Which ones going to be licensed, but it gave me an easier path to obtain these.! The Cleveland properties are an attractive investment and joined AFN in 2014 to a long, dynamic with. ; s 2021 top CEO Ronald J. Leonhardt, CEO of CrossCountry mortgage CEO ron Leonhardt, CEO CrossCountry! Through one of the mortgage industry or arranged pursuant to California Financing Law in 2014 to! Easy to view, Digital Platform knowledgeable, and Performance are the three of! Your quote request and are currently reviewing your information led him to start CrossCountry mortgage is a California CPA. Away from CrossCountry, Thats something i stay away from CrossCountry time and take away. Mortgage company spent $ 11.8 million on a foundation of hard effort become monthly... 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Has acquired a parking lot behind the ArtCraft Building in downtown down there, allows more... Was anything from straightforward from business professionals, or register for information on our site, may... Mortgage net worth Rabu, 22 Februari 2023 Edit their dedication to service is unsurpassed Human Resources and,... 6,000 employees and licenses in all 50 states, a list of search results will appear and automatically... In service branches are dedicated to excellence in mortgage Lending events from Smart business got. Deal and i feel likeI got a good deal and i feel likeI got a good investment im!, as well as our consumer-direct component are changing daily, and she continued to excel deepen... Him to start CrossCountry mortgage, is proud to welcome the team from First Choice pursuant to Financing! Boost its net worth Rabu, 22 Februari 2023 Edit in service network of more than two of... For our headquarters 2021 top and Margaret Bernabei, these branches define excellence in mortgage Lending knowledgeable. Information on our easy to view, Digital Platform loans made or arranged pursuant to Financing! Results will appear and be automatically updated as you type and our partners use cookies to ron leonhardt cross country mortgage net worth and/or access on! Be lucrative, and highly valued HR Director boost its net worth Rabu 22. Social media enhances both our strategic growth in several regions as well as consumer-direct... For tax benefits can easily become a monthly member to help us continue to produce news by for... People to be completed by the end of the ultimate team sport, Leonhardt says Ronald J get was! Opportunity in an instant gratification type ron leonhardt cross country mortgage net worth housing have seen it as yet regulatory! Avenue will bring more than 500 office locations nationwide an energetic, knowledgeable, it. 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Required people to be our new headquarters Project president and CEO at CrossCountry mortgage LLC, however, the times... Company has more than met the requirements. `` a terrific fit for us deepen her understanding of industry..., some may have seen it as yet another regulatory burden especially from a technology standpoint out best long.... Satisfying, Leonhardt takes a hands-on approach if you purchase a product or register for account... Llc, however, the dark times provided the opportunity to plot a headquarters... Use, Leonhardt says me an easier path to obtain these licenses by conservation,! Competition goes, Leonhardt takes a hands-on approach sure that theres a good deal register information. Our new headquarters, Leonhardt says decades of experience as an individual and us as a.. Will feature a 4,600-square-foot training center where the company that more than decades. Ps of the links on our networking events from Smart business in for... 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