Experience

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  Mortgage Express

  • Riverside County, California Area

  • President - Mortgage Broker

    • Jan 2008 - Present
    • Riverside County, California Area

    In1992, I was lucky to start my mortgage career with a company that had an FHA DE underwriter in our office. As a “newbie” I knew very little, she basically took me under her wing, taught me underwriting guidelines, & more important, how underwriters analyze a file. I learned how to package a loan for successful approval. That early training has served me well in my career. Over the next 15 years, my husband & I were partners in or managers of our wholesale mortgage banking operations. This gave me an opportunity to gain experience & exposure too every facet of the mortgage business. This hands-on experience gave me valuable knowledge that has allowed me to develop a “Truly Personalized Experience” for my clients. The financial crisis in 2007 caused a lot of us in the mortgage business to rethink how we would continue. In 2008, I made the move from mortgage banking to Mortgage broker & opened Mortgage Express. I knew with my previous experience I was totally capable of “doing it all”. Every borrower has a unique story, it’s my job to uncover it, pull supporting documentation together, package the loan for successful submission & approval. When the file is cleared to close, I order docs, work with escrow to coordinate closing/funding, making sure I consistently met or beat, the closing schedule per the purchase contract. The biggest benefit to my clients... I work with the top lenders in the country, which allows me access to a variety of loan programs, great rates, and quick turn around. My clients also have the benefit of only dealing with me, start to finish. They have total access to me based on their schedules, from the comfort of their home. I’m available by phone, e-mail, screen shares & text after hours and on week -ends. Please take the time to check out my reviews from past clients, it will give you an idea of the “Truly Personal Experience” I Provide, some might call it my USP..I call it my Secret Sauce!!http://caroleryanhomeloans.com/reviews

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  Origin Funding, LLC

  • Austin, Texas

  • Partner/Closing/Funding Manager

    • Dec 2005 - Jun 2007
    • Austin, Texas

    Origin Funding was a Wholesale/Retail Mortgage Banking operation in Austin, Texas. We specialized in FHA/VA, Conventional, and Alt A product.I ran our closing and funding department .

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  HomeStar Mortgage Services

  • Austin, Texas Area

  • Sr. Loan Consultant

    • Jan 2000 - Feb 2004
    • Austin, Texas Area

    SR. Loan Consultant. As I've done my whole career, my main focus is to educate my clients to the home buying process and be sure they have all the information they need on loan programs to make the decisions that best fit their needs, now and down the road.In addition to originating loans ..I also helped out in closing & funding department.

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  First Guaranty Financial Corp.

  • Austin, Texas

  • Sr. Loan Officer & Partner

    • Jun 1994 - Jan 2000
    • Austin, Texas

    First Guaranty Financial was a Wholesale Mortgage Banking operation with a retail division. My main focus was in originating retail loans, but as a partner, I had the opportunity to work in several different departments on the wholesale side which gave me a much better understanding of how the entire process works from the time the loan comes in the door until it's sold in the secondary market.

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  TransCentral Mortgage Inc.

  • Austin,Texas

  • Loan Officer

    • Dec 1992 - Jun 1994
    • Austin,Texas

    TransCentral Mortgage was a retail mortgage banking company. This was my introduction to the Mortgage industry and I was lucky enough to have an incredible DE Underwriter that taught me the fundamentals in originating FHA/VA and Conventional loans. Thanks to her I've never had a loan file declined & I've been able to help hundreds of clients realize the dream of home ownership.