Equity Solutions, USA provides a full range of services to help ensure lenders meet the stringent regulatory compliance requirement in today’s market. Combining the comprehensive knowledge of our skilled staff, advanced technology, and a national panel of licensed and certified appraisers we ensure your business objectives are met, while keeping your time and cost in mind.
Hugo Garofalo has the responsibility of managing all aspects of Equity Solutions USA. A 20 year veteran in the real estate and real estate appraisal fields, he leads the executive management team at the company. Mr. Garofalo has been a Principal of Equity Solutions USA since 2015 and has lead the company to record revenue growth and expansion during his short tenure.
Prior to joining Equity Solutions, Garofalo served as Executive Vice President and Chief Compliance officer at the national appraisal management company, Priority Appraisal USA. Garofalo was responsible for developing, initiating, and revising policies for the general operation of the compliance program and collaborated with other internal departments, such as risk management, collateral evaluation and internal audits to direct compliance issues to appropriate existing channels for resolution. In 2011, Mr. Garofalo facilitated the successful acquisition of Priority Appraisal USA by a major Michigan-based national lender. Mr. Garofalo studied at Wayne State University and received his Real Estate license in 1987 and his Real Estate Appraisal license in 1993.
Rick Davis is the President at Equity Solutions USA. Rick is responsible for designing and implementing business strategies, plans and procedures to ensure compliance with all industry guidelines. In addition, he is responsible for overseeing a collaboration between industry partners and implementing technology to provide an additional suite of valuation products. Rick has twenty years of appraisal experience and twenty-eight years of broad real estate, financial and technology experience.
Prior to joining Equity, Rick worked for US Bank for almost 12 years. He was initially responsible for developing, testing and implementing policy as it relates to collateral as well as managing a team and process to ensure compliance with policy. In addition, Rick helped consolidate all the valuation functions in the bank to form one universal process.
Eric Kutinsky is a principal partner of Equity Solutions USA. Mr. Kutinsky is responsible for and heads up the Legal Department. He focuses his practice on Contract Negotiations and State Compliance in all 50 States as Equity Solutions USA is Licensed Nationwide. Equity Solutions USA has grown exponentially since Hugo Garofalo and Mr. Kutinsky have been on the executive management team.
Mr. Kutinsky has devoted his entire career, over 20 years, to helping others. Prior to starting Equity Solutions, Mr. Kutinsky law practice mostly consisted of Criminal Defense work where he was able to defend people’s Personal Freedoms and Constitutional Rights.
After graduation from The University of Michigan, Mr. Kutinsky went on to Law School. Upon receiving his Juris Doctorate from Western Michigan – Thomas Cooley School of Law, Mr. Kutinsky served as Law Clerk to the Honorable Wendy Potts at the Sixth Circuit Court in Oakland County, Michigan. In 2000, he opened his own Law Firm located in West Bloomfield, MI. In 2020, Mr. Kutinsky received his Real Estate License. He is an agent for buying & selling of mostly residential property.