Loretta Salzano
Founding Partner
Franzén and Salzano Loretta Salzano founded Franzén and Salzano in 1997 to provide practical legal solutions for mortgage and consumer lenders. The firm has grown to serve banks, real estate brokers, title companies, law firms, technology companies and others in the real estate and lending industries – taking pride in its unique ability to navigate a complex tapestry of laws to help clients accomplish their goals. The firm’s attorneys counsel clients on how to increase their business while remaining within the confines of the laws of all 50 states plus federal law, including TILA, RESPA, ECOA, HMDA, FCRA and GLB. Loretta spends much of her time assessing risks related to marketing, pricing and compensation. She also drafts and negotiates a variety of transactional contracts, such as warehouse, loan sale and service agreements; troubleshoots to mitigate damages; and advocates with regulators before, during and in response to examinations. Loretta was named a Top Compliance Lawyer by Mortgage Compliance Magazine, is a Fellow of the American College of Consumer Financial Services Attorneys and serves as Legal Counsel to the Mortgage Bankers Association of Georgia. She is active in many professional associations and loves talking the talk for the industry. Loretta is a double Wolverine earning both her B.A. and J.D. from the University of Michigan. | 
Michael Ridgway
President and CEO
Community Title Network
Managing Member
Ridgway Law Group Mike is recognized in the region as one of the innovative industry leaders in improving the entire customer experience in the settlement process. Additionally, he brings over 38 years of experience as a lawyer and proactive problem solver to every aspect of the settlement process. He is a deeply committed to the highest level of customer service to all stakeholders in the settlement transaction and has built his professional team around this foundation. Mike has lived his entire life in the Washington Region and is passionate in serving consumers, real estate professionals, and the general community. Mike is a recognized philanthropist in the Washington Region, volunteering his time, and often taking leadership roles, in many non-profit organizations and efforts that serve youth- particularly underprivileged youth. Mike is a graduate of Georgetown Prep, Dickinson College, and has a Juris Doctor from The Catholic University School of Law. | 
Chris Ruvo
Content Marketing Manager
Qualia Chris Ruvo is a content marketing manager at Qualia—a role that has him creating thought leadership content that helps advance the title & escrow industry. He joined Qualia after a successful journalism career in which he produced feature articles, podcasts, webinars, and social media content covering everything from supply chain disruption and American manufacturing to capital murder trials, educational issues, science, political races, the arts and more. His work has won or been nominated for dozens of regional and national awards, including multiple Neal Awards—the “Pulitzer Prize” of B2B journalism. Those Neals include twice winning “Best Range of Work By A Single Author.” He loves telling stories that help people—and is always eager to tell the next one. |
