Provides Opinion & Testimony In:
Mortgage Banking, loan programs, loan guidelines, mortgage origination, real estate lending, loan operations, loan servicing, workouts, payment plans, wholesale lending, loss mitigation, DRE Department of Real Estate, supplemental directives, performing loan modifcations, REMIC,mortgage relief, mortgage modifications, interest rate reductions, refinancing, deferred payment mortgage servicer
Expert No. 2899
Bachelors of Arts, Political Science- International Relations, Spanish Literature and Translation, University of California, Santa Barbara, 1991.
California Real Estate License, current.
CTEC, California Tax Education Council – Certified Tax Preparer, current.
Certified Public Notary License, current.
Loan Officer- Extensive knowledge of loan programs and guidelines in mortgage banking and brokering with Conventional, Jumbo Lending, FHA, Sub – Prime Lending, Niche Products, First Time Buyers Programs, and VA loans.
Mortgage One Lending- Loan Originator in retail banking and brokered loans with a pipeline of $50,000,000.00 over the past two years; both purchase money and refinances.
GMAC Mortgage – Loan Originator in retail and brokered loans, while processing and closing a pipeline in a timely and efficient manner. Prospected and created new business opportunities with Real Estate Agents and Affinity Partners while generating new client leads and maintaining a customer care and database system
Shea Mortgage – New Construction Builder business. Originated over 150 loans with a volume in excess of $45,000,000.00 while maintaining a pipeline of more than 75 loans with a high capture rate.
Pacific Republic Mortgage – Loan Originator in retail and brokered loans, while processing and closing a pipeline in a timely and efficient manner. Prospected and created new business opportunities with Real Estate Agents and Affinity Partners while generating new client leads and maintaining a customer care and database system.
Loss Mitigation Manager – Home Capital Funding. Worked with Executive Management in reviewing; auditing, and accessing loan curtailments. Mitigated loans in the process of being restructured or repurchased by Loan Officers; Broker’s, Investor Groups to re-establish credit lines.
Director of New Markets- Mortgage One Lending. Worked to establish FHA, Cal HFA, and various other Community and Local First Time Buyers Programs channels as Correspondent Lender’s and Participating Lenders Created Training Programs and manuals with Certificate Programs with Loan Originators in the company.
Territory Manager- AT&T, San Diego. Looked for new and expanding markets. Created and presented monthly marketing analysis reports. Planned, coordinated and supervised marketing events. Made presentations, negotiated contract with non-profit groups and organizations.
Managing Partner – El Charro Mexican Food, San Diego. Actively involved in daily operations of business, dealing with the public, marketing, purchasing, bookkeeping, and payroll.
Admissions and Outreach Officer – University of California, San Diego. Made public presentations representing the University. Creating and implementing immediate outreach programs to High Schools, reviewing applications, working on various programs to recruit students to the University.
Team Teaching – Taught English with a Japanese teacher in Japan. Planned lessons and helped to create a curriculum for Japanese schools to improve the conversation level of the students. Worked with Junior High and High School students as a representative of the United States on the JET Programme.
Community involvement. Personal and professional challenges which provide positive learning experiences. Enjoy communicating with people, reading, travel, and sports. Most satisfied in a dynamic environment with constant growth potential.