Snotes
Joseph Bayer, Sr. is a seasoned professional with extensive experience in the mortgage industry and innovative product development. Currently serving as the Inventor and Managing Member of Snotes since January 2013, Joseph oversees the branding and licensing of Snotes®, a registered trademark of Fleur de Lis Group LLC (FDL), aimed at engaging and inspiring audiences. Additionally, Joseph has held the position of President at First Integrity Mortgage Services since 1993, where expertise encompasses mortgage banking, underwriting, and loan product design. Prior to this, Joseph was President of Residential Financial Services Inc. from 1983 to 1993. Joseph Bayer, Sr. holds a Bachelor's degree from Benedictine College, earned between 1968 and 1972.
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Snotes
Snote provides a creative form of communication intended to deliver secret messages to friends, loved ones, and in commerce. SNOTES messages are fun to make and fun to receive for people of all ages. At the heart of the creation is the SNOTES Generator, patent-pending software that allows users to create and send SNOTES in seconds. The SNOTESGenerator and patent application are owned by the Fleur de Lis Group, St. Louis, MO.