Joseph Bayer, Sr

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.