The Advocates with Steve Lamoreaux and Carolyn Schoemer 4-2-08


“The Advocates”


Richard J. Garfunkel

 WVOX – AM Radio 1460- 12 Noon Wednesday

April 2, 2008

All archived Shows at:


Wednesday, April 2, 2008, at 12:00 Noon, I am hosting my show “The Advocates” on WVOX- 1460 AM on your dial, or you can listen to the program’s live streaming at  One can call the show at 914-636-0110 to reach us on the radio.  Our special guests today are Mr. Steve Lamoreaux, from DML Mortgage, who specializes in reverse mortgages and Ms. Carolyn Schoemer, an associate broker and partner with Keller Williams, NY Realty.  Our topic today is the “ The Housing Market, Where Is It Heading, and How Can Your Equity be Used?” This subject should be on the mind of all of our listeners.

Mr. Lamoreaux background consists of 14 years in the financial markets – both retail and institutional, and another decade in the mortgage arena (from hedging, to underwriting, to sales). He has focused these last 4+ years solely on reverse mortgages, speaking at Senior Centers throughout Connecticut, southeastern New York State and the boroughs of NYC. He also speaks before, and works closely with, Elder Law and Trust & Estate Attorneys, Financial Planners, Insurance Agents, and CPA’s. Steve is an instructor of classes to the general public through local Adult Education programs, as well as for CE and CPE courses in NY and CT. He has also been the host and guest for a number of financial radio programs throughout this area.

Carolyn Schoemer is one of the top professionals in the local real estate marketplace. Her Cloud 9 Homes team is affiliated with Keller Williams Realty, which opened their White Plains office in 2006. This is the fastest growing real estate office in the county, and number 1 in the county in number of listings and in the number of closed transactions.


Carolyn has been a licensed broker for 21 years and has helped hundreds families sell and buy residential real estate.  Most of her career was spent with Coldwell Banker where she was in the top 5% of over 100,000 agents. Due to her excellent reputation and success in the marketplace, she was asked to become an owner and partner at the first Keller Williams Realty in Westchester County, joining dynamic individuals culled from many of the top local firms. To better service her growing business she created the Cloud 9 Homes Team, a group of talented professionals. Carolyn is an energetic and enthusiastic full-time professional who is passionate about the real estate business. Using her negotiation skills to achieve the best price and terms for her buyer and seller clients, Carolyn works hard to make deals happen.

Carolyn is proud to have achieved most of the designations offered by the National Association of Realtors (NAR), which equate to a PHD in the real estate field.


Meanwhile, the mission of the “Advocates” is to bring to the public differing views on current “public policy “issues. “Public policy,” therefore, is what we as a nation legally and traditionally follow. Over the years, the “public policy” of the United States has changed or has been modified greatly. As an example, “free public education” is the public policy of the United States. Also, over time great struggles have ensued over the control of the direction of “public policy” For example: free trade vs. protectionism, slavery vs. emancipation, state’s rights vs. Federalism, and an all-volunteer armed forces or the “draft.”


The Program is sponsored by the Green Briar Adult Home, in Millbrook, Dutchess County, NY.

One can find my essays on FDR and other subjects at and one can also see all of the archived shows at: 


Richard J. Garfunkel


914-261-6587 (cell) 







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