Arlington, Texas, United States
Award-Winning Mortgage Underwriter & Licensed Realtor® with 30+ Years of Experience in Mortgage Operations, Risk Management, and Real Estate Finance I’m a Senior Mortgage Professional with deep expertise across the full loan life cycle — from loan origination, processing, to underwriting, closing, quality control, credit risk, and secondary market delivery. I hold both FHA DE (Direct Endorsement) and VA LAPP/SAR designations and have successfully underwritten and managed thousands of loans including FHA, VA, Conventional, USDA, Jumbo, and Non-QM programs. I’m also among the few underwriters who have specialized in in-depth and complex programs such as state and local housing grants, bond programs, and down payment assistance. This experience has given me a comprehensive understanding of layered financing structures and how to structure deals that meet investor, agency, and compliance requirements while helping buyers achieve homeownership. Over my 30-year career, I’ve led underwriting and operations teams of up to 200+ professionals, including managers and support staff, reduced turn times, strengthened compliance accuracy, and have been recognized for implemented workflow systems that improved file quality and audit performance. My leadership style emphasizes training, efficiency, and collaboration between processing, underwriting, and closing departments. What sets me apart is my dual-industry insight — as a Licensed Loan Originator, Realtor® and Mortgage Underwriter, I bridge the communication gap between lending and sales teams to create seamless customer experiences. I also leverage digital marketing and SEO skills to help mortgage professionals and real estate teams expand their online presence and lead generation systems. Core Competencies: * Mortgage Underwriting (FHA, VA, Conventional, USDA, Jumbo, Non-QM) * Risk Management • Quality Control • Compliance (OCC, CFPB, HUD, VA) * Leadership & Team Training • Process Optimization * Loan Origination, Processing, Closing, Insuring, Servicing * Digital Marketing • SEO • Web Design • Email & SMS Campaigns * Experienced in Regulatory Compliance, Red Flag and Fraud Detection, Quality Assurance reviews. * Experienced Trainer in all aspects of the Mortgage Industry. Visit www.TexasEliteTeam.com to learn more about my professional background, designations, and success stories.
Pipeline Accounts
• Facilitated residential real estate transactions from consultation through closing, ensuring fiduciary responsibility and client satisfaction. • Drafted and negotiated contracts, disclosures, and legal documents in compliance with state and federal regulations. • Provided property evaluations, market trend analysis, and investment insights for buyers, sellers, and stakeholders. • Managed timelines, coordinated with lenders, inspectors, title companies, and third parties to meet critical deadlines. • Developed and executed strategic marketing plans including MLS listings, digital campaigns, and open houses. • Maintained a high level of follow-up and customer service on a high volume of clients in my pipeline. • Maintained professional designations and upheld NAR Code of Ethics while staying current with industry regulations.
• Licensed Loan Officer, NMLS # 2566884 • Develop business through referral networks, lead sources, real estate partnerships, community outreach, and marketing efforts ensuring timely updates and high-touch client experience. • Conduct Initial Borrower Consultations to assess financial goals, explain financing options, and guide clients through the pre-approval and homebuying/refinancing process. • Analyze income, credit, assets, employment, and liabilities. • Issue Pre-Qualification letters after AUS (DU/LPA) has been run in alignment with investor and program guidelines. • Present and compare Conventional, FHA, VA, USDA, Jumbo, and other available niche programs. • Help borrowers understand rates, terms, costs, supporting docs, conditions, and timelines. • Complete and submit accurate 1003 Uniform Residential Loan Applications, collect supporting documents, and ensure completeness before processing
• Built and maintained trusted relationships with new and existing customers through needs-based consultations. • Provided financial protection solutions including life, supplemental, and accident coverage. • Conducted one-on-one presentations to educate clients on available products and benefits. • Developed strong communication and interpersonal skills while working independently. • Actively participated in company trainings, goal-setting sessions, and performance incentive programs. • Helped families protect their financial futures through tailored insurance plans.
• Results-driven Senior Real Estate Agent and Team Leader representing Divvy Homes, providing full-cycle real estate services from consultation through closing. • Lead the Texas Elite Team in delivering exceptional client experiences, compliance excellence, and top-tier production across the Dallas–Fort Worth Metroplex. • Facilitated hundreds of residential transactions from consultation to closing, maintaining fiduciary responsibility and consistently achieving high client satisfaction ratings. • Drafted and negotiated contracts, disclosures, and addenda in strict compliance with state and federal regulations. • Provided market-driven property valuations and investment analyses for buyers, sellers, and investors, ensuring optimal pricing and maximum ROI. • Managed deal timelines and coordination with lenders, inspectors, appraisers, and title companies to guarantee smooth closings and on-time funding. • Developed and implemented strategic marketing campaigns including MLS optimization, digital and social media advertising, and branded open-house experiences. • Certified Dispositions Agent: Partnered with the Divvy Dispositions Department to accurately price, market, and manage REO inventory, maximizing returns and minimizing days-on-market. • Trained, coached, and managed junior agents to ensure compliance, professional growth, and performance alignment with brokerage standards. • Led client acquisition initiatives through SEO, SEM, and digital marketing strategies that generated qualified leads and expanded brand visibility across the DFW region. • Upheld the highest professional standards through continued education, multiple NAR designations, and strict adherence to the NAR Code of Ethics.