Summary
Overview
Work History
Skills
Timeline
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ANGELA ERVES

Crockett,CA

Summary

Experienced mortgage consultant with over 20 years in the industry, holding both NMLS and DRE licenses. Skilled real estate investor who understands the intricacies of the market. Passionate about helping others achieve homeownership and guiding first-time homebuyers through programs such as grants, CalHFA, DPA, and BMRs. Well-versed in VA, FHA, conventional, jumbo loans, and adept at providing creative alternative financing solutions for sophisticated investors and self-employed individuals. Proficient in handling construction, rehab loans, and multi-unit loans.

Overview

25
25
years of professional experience

Work History

Mortgage Loan Officer

Bayview Residential Brokerage
04.2000 - Current
  • Mortgage loan officer for 20+ years
  • Licensed CA DRE 01197777 and NMLS #285985
  • Self generated clients, educating on loan products, rates and ensuring their transactions are completed in a timely and professional manner
  • I collect all necessary documents, perform income calculations for underwriting and see the file through closing
  • If client not qualified at time of application, I educate on how to reach their goals in the future typically helping with credit repair advice or financial strategies
  • My niche is truly being resourceful in finding the right loan product for every person
  • Closed loans include: Conventional, Jumbo, VA, FHA, CALHFA, GSFA, BMR, Bank statement, No ratio, Heloc's, Construction and DSCR loans
  • Taking ownership of each transaction, maintaining a high level of customer satisfaction by providing prompt and accurate loan status updates to client and all parties involved in transaction.
  • Continued education by attending webinars and reading guidelines offered by over 70 plus lenders and staying updated on guidelines by Fannie Mae, Freddie Mac, HUD as well Non QM products.
  • Worked with Byte, Encompass and Point Loan Systems; Salesforce CRM


Skills

  • Portfolio management
  • Fair Housing Regulations
  • Underwriting
  • Escrow
  • Pricing
  • Loan Origination
  • Cash flow analysis
  • Salesforce
  • Loan processing
  • Goal oriented
  • Relationship selling
  • Loan origination
  • Residential mortgage lending regulations

Timeline

Mortgage Loan Officer

Bayview Residential Brokerage
04.2000 - Current

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ANGELA ERVES