Isabel Mislinay
Ventura,CA
Summary
Seasoned Mortgage Loan Originator, well-versed in the ever-evolving mortgage industry regulations and guidelines, navigating complex compliance requirements with precision. With abilities to adapt to changing market conditions and proactively identify opportunities for clients in the competitive mortgage lending landscape. Excels in guiding clients through the process of securing home financing and by leveraging expertise and facilitating the dreams of home ownership for individuals and families while upholding the highest standards of ethical conduct and client satisfaction.
Overview
13
13
years of professional experience
1
1
Certification
Work History
Licensed Mortgage Loan Originator
Edge Home Finance
11.2018 - Current
- Processed mortgage loan applications accurately and successfully for over 15 years
- Meet with potential homebuyers or homeowners looking to refinance their mortgages. Understand their financial goals, assess their eligibility, and discuss various mortgage options.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Worked with underwriters to fix application problems and resolve issues.
- Evaluate clients' financial documents, including credit reports, income statements, tax returns, and debt obligations. Determine their creditworthiness and loan amount they qualify for.
Branch Manager
Axia Home Loans
10.2016 - 11.2018
- Address any issues or challenges that may arise during loan approval process, such as credit discrepancies or appraisal discrepancies. Find solutions to keep loan on track.
- Establish and maintain relationships with real estate agents, builders, and other industry professionals to generate referrals and expand your client base.
- Assist clients in obtaining pre-qualification and generating pre-approval letters.
- Maintain accurate records of all client interactions, loan applications, and documentation for compliance and auditing purposes.
Mortgage Loan Officer
Capital Mortgage Services
03.2011 - 09.2016
- Assist clients in obtaining pre-qualification and generating pre-approval letters
- Meet with potential homebuyers or homeowners looking to refinance mortgages. Understanding financial goals, assess eligibility, and discuss various mortgage options.
- Collaborate with title companies, Escrow, and Loan Processing to coordinate loan closing process, ensuring smooth and timely closing for clients.
- Stay up-to-date with latest mortgage products, interest rates, and lending guidelines offered by your institution. Explaining features and benefits of different loan programs to clients.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level
Skills
- Data Entry
- Mortgage Loan Origination
- Multitasking and Time Management
- Credit Check Knowledge
- Bilingual in Spanish
- Financial Reports Analysis
- Pre-Approval Processing
- Microsoft Office
Affiliations
Ventura County Coastal Association of Realtors
Certification
Life Coach
Timeline
Licensed Mortgage Loan Originator
Edge Home Finance
11.2018 - Current
Branch Manager
Axia Home Loans
10.2016 - 11.2018
Mortgage Loan Officer
Capital Mortgage Services
03.2011 - 09.2016
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