Franklin Montenegro
Washington
Summary
Bilingual Community Lending Specialist with a proven record of originating over $2 million in residential mortgage production and securing millions in down payment assistance funding for first-time homebuyers. Expert in loan structuring, DU/LPA analysis, and navigating complex agency and DPA guidelines. Recognized for managing high-volume pipelines and driving transactions from pre-qualification to closing.
Overview
2
2
years of professional experience
1
1
Certification
Work History
Mortgage Loan Officer Assistant
Capital Bank, N.A
Washington, DC
06.2024 - Current
- Helped first-time homebuyers secure millions of dollars in down payment assistance through HPAP, MMP, FHLB, and other programs.
- Managed a pipeline of approximately 20 active purchase transactions and 100+ prospective borrowers, ensuring milestone completion.
- Analyzed and resolved guideline conflicts between agency underwriting requirements and local assistance program requirements to facilitate loan approval and closing.
- Originated and closed over $2 million in residential mortgage production, supporting borrowers from initial consultation through closing.
- Reviewed tax returns, W-2s, pay stubs, bank statements, profit and loss statements, and other financial documentation to calculate qualifying income and satisfy underwriting conditions.
Education
Bachelor of Science - Finance
Temple University
Philadelphia, PA12-2025
Skills
- Loan origination
- Loan processing
- Problem-solving
- Teamwork and collaboration
- Customer service
- Time management
- Microsoft office
- Lending software systems
- Self motivation
- Reliability
Certification
- NMLS License - #2700398
Languages
English
Native or Bilingual
Spanish
Native or Bilingual
Timeline
Mortgage Loan Officer Assistant
Capital Bank, N.A
06.2024 - Current
Bachelor of Science - Finance
Temple University