Experience

LendingPros

• United States
• Financial Services
• 1 - 100 Employee

• Sr. Account Executive

  • Oct 2022 - Present

  Irvine, California, United States



meMortgage

• United States
• Financial Services
• 1 - 100 Employee

• Regional Sales Manager

  • May 2021 - Nov 2022

  Lake Forest, California, United States

• Sr. Account Executive

  • Jan 2021 - Nov 2022

  Lake Forest, California, United States Conventional • 620 Minimum Score • Fannie Mae/ Freddie Mac • Standard & High Balance • HomeReady • HomePossible FHA • Minimum Credit Score: 600 AUS Approved; 640 AUS approval and/ or manual • Non-Credit qualifying Streamline Refinances • Gift Funds allowed for down payment and closing costs • Cash out up to 80% LTV DPA (Down Payment Assistant) • 640 Minimum FICO • 680 FICO needed to DTI Up to 50% • Standard & High Balance OK • FTHB… Show more Conventional • 620 Minimum Score • Fannie Mae/ Freddie Mac • Standard & High Balance • HomeReady • HomePossible FHA • Minimum Credit Score: 600 AUS Approved; 640 AUS approval and/ or manual • Non-Credit qualifying Streamline Refinances • Gift Funds allowed for down payment and closing costs • Cash out up to 80% LTV DPA (Down Payment Assistant) • 640 Minimum FICO • 680 FICO needed to DTI Up to 50% • Standard & High Balance OK • FTHB OK • Seller Contributions: FHA up to 6% • Available across the country in states we are approved to do business VA • Minimum Credit Score: 600 AUS Approved; 640 manuals • Cash-out up to 90% LTV • Foreclosure/ Short Sale/ Bankruptcy < 2 years allowed with AUS Approval USDA • Minimum Credit Score: 640 • 100% Maximum LTV • No maximum loan amounts • Rate/ Term Refinances allowed theNONI • Minimum Credit Score: 640 • LTV’s up to 80% (740 FICO) • DSCR 1.00 minimum • No pricing adjustments for units, cash-out, or I/O • Only 2 months reserves required on some scenarios • Cash-out can be used as reserves



LoanStream Wholesale

• United States
• Financial Services
• 100 - 200 Employee

• Account Executive

  • Jan 2017 - Jan 2021

  Irvine, Ca VA • 580 min FICO for conforming and high balance loan amounts • 100% C/O refi • IRRRL’s to 125% CLTV (580 FICO conforming high balance), 115% LTV conforming and 100% LTV HB • IRRRL’s – no income required and no assets (as long as none are required to close) • $1 mm max loan amount • AVM required • Manual underwrites allowed Non-QM • 12 & 24 month bank statements • Non-warrantable condo’s and condotels • 30 year fixed, 5/1 and 7/1 ARM’s • OO, 2nd homes… Show more VA • 580 min FICO for conforming and high balance loan amounts • 100% C/O refi • IRRRL’s to 125% CLTV (580 FICO conforming high balance), 115% LTV conforming and 100% LTV HB • IRRRL’s – no income required and no assets (as long as none are required to close) • $1 mm max loan amount • AVM required • Manual underwrites allowed Non-QM • 12 & 24 month bank statements • Non-warrantable condo’s and condotels • 30 year fixed, 5/1 and 7/1 ARM’s • OO, 2nd homes, and NOO • Loan amount to $2 mm • SIVA (stated income verified assets) • No 4506 • Asset Depletion • Up to 85% LTV • Foreign National & non-permanent residents Conventional • Accept DU and LP • 620 FICO to 95% LTV (90% LTV on high balance) • LP Accept to 50.49% • LP – blended ratios, up to 75% LTV C/O on high balance, and 1 year tax returns • Transferred appraisals OK • W2 only transcripts for wage earners • Use rental income w/o prior landlord experience • LP – can use 100% of balance as reserves (stocks, bonds, and mutual funds) • 5-10 financed properties • LPMI • 95% condo financing • CalHFA FHA • 580 min FICO for conforming and high balance loan amounts • DTI up to 57% (per DU) • No min trade line requirements • Gift funds allowed • Blended ratios w/ non-occupant co-borrowers • No seasoning on short sales w/ no mortgage lates • Manual underwrites allowed • CalHFA Jumbo • Loans up to $3 mm • FULLY DELIGATED UNDERWRITING • C/O refi to $2 mm • Gift funds allowed • Multiple financed properties allowed • $500K C/O • OO, 2nd homes, and NOO Show less



Orion Lending

• United States
• Banking
• 100 - 200 Employee

• Wholesale Account Executive

  • May 2015 - Jan 2017

  Orange County, California Area



Pacific Union Financial, LLC

• United States
• Financial Services
• 200 - 300 Employee

• Wholesale Account Executive

  • Sep 2014 - May 2015

  Santa Ana, California


American Pacific Mortgage
• United States
• Financial Services
• 700 & Above Employee
• Loan Officer

  • May 2014 - Sep 2014

American Advisors Group (AAG Reverse Mortgage)
• Reverse Mortgage Consultant

  • Feb 2013 - Aug 2013


MGI Capital, Inc.

• Business Owner

  • Apr 2005 - Oct 2012

  Orange County