Jaclyn Horton
Phoenix ,AZ
Summary
Detail-oriented Mortgage Loan Officer with expertise in client relationship management, financial analysis, and loan documentation. Proven ability to navigate complex financial scenarios and enhance client satisfaction.
Overview
20
20
years of professional experience
Work History
Licensed Mortgage Loan Originator
Mutual of Omaha, Inc
Scottsdale, AZ
10.2024 - 02.2026
- Reviewed and interpreted client financial profiles to identify mortgage eligibility criteria and optimal loan solutions.
- Collaborated with underwriters to expedite loan approval processes and enhance customer satisfaction.
- Analyzed market trends to provide clients with up-to-date information on mortgage rates and products.
- Developed strong relationships with real estate agents to generate referral business and expand client base.
- Evaluated client financial information to determine eligibility for mortgage products.
- Facilitated communication between clients and underwriting teams to streamline loan processing.
- Evaluated client financial profiles to determine mortgage eligibility and loan options.
- Facilitated loan applications by guiding clients through documentation requirements and process steps.
Licensed Mortgage Loan Originator
Nations Reliable Lending, LLC
Houston, TX
08.2024 - 10.2024
- Provided valuable information and resources, including home buying guides and mortgage calculators, to empower leads in making informed decisions.
- Cultivated and strengthened realtor partnerships to facilitate new purchase loan opportunities.
- Conducted outbound calls to current clients, ensuring effective communication and relationship management.
- Assisted clients in navigating real estate transactions. Supported property showings and open houses. Coordinated communication between buyers and sellers.
Cared for Parents Until Their Passing
Self Employed Caregiver
Phoenix, AZ
10.2022 - 08.2024
- Cared for parents until their passing.
Licensed Mortgage Loan Originator
Phoenix Mortgage Brokers, LLC
Phoenix, AZ
04.2023 - 09.2023
- Placed outbound sales calls to potential and existing clients through a mojo dialer system converting calls to new client status.
- Brokered loans through multiple channels.
- Reviewed applications against established parameters to decide approval, rejection, or modification requirements.
- Utilized consultative sales to overcome client objections and maximize sales activity, highlighting ability to handle both inbound and outbound calls effectively.
Account Executive
Oaktree Funding Corporation
Chandler, AZ
11.2021 - 04.2023
- Executed outbound calls utilizing non-QM platform to present diverse mortgage products to brokers, ensuring deal closure.
- Facilitated interviews with prospective brokers to evaluate financial data and provide product and pricing recommendations.
- *Built and supported strong relationships with brokers securing their satisfaction and loyalty.
- *Guided each potential client through the process of sending new broker packages, initial disclosures, and loan submission for final approval to close.
Military Mortgage Advisor
AAFMAA Mortgage Services, LLC
Chandler, AZ
11.2020 - 11.2021
- Provided outstanding customer service to service members and veterans through a new VA home purchase and VA refinance under VA guidelines.
- Used ability in analyzing and verifying client debt, credit, and income information to find loan eligibility.
- Helped clients complete the loan application processes and informing them of application deadlines, approvals, and denials.
Licensed Mortgage Loan Originator
Carrington Mortgage Services
Phoenix, AZ
05.2020 - 11.2020
- Evaluated inbound client leads and analyzed credit income to identify optimal solutions for client needs.
- Assisted clients in completing loan applications. Communicated application deadlines, approvals, and denials to clients. Addressed issues to enhance customer satisfaction.
- Formulated comprehensive loan packages while ensuring adherence to underwriting guidelines.
Licensed Mortgage Loan Originator
Fairway Independent Mortgage
Scottsdale, AZ
01.2020 - 05.2020
- Evaluated financial information to determine client eligibility for mortgage financing options.
- Assisted clients in completing necessary documentation for loan applications, ensuring accuracy and compliance.
- Provided guidance throughout the mortgage process, addressing client inquiries promptly and effectively.
- Facilitated loan applications by guiding clients through documentation requirements and process steps.
Licensed Mortgage Loan Originator
Titan Mutual Lending
Scottsdale, AZ
10.2019 - 01.2020
- Oversaw management of inbound mailer leads to drive customer engagement.
- Utilized analytics tools to monitor and evaluate mailer campaign performance.
- Customized communication strategies to address unique needs and preferences of each lead.
- Provided valuable information and resources to empower leads in making informed decisions.
- Provided comprehensive support to clients in completing documentation and understanding process steps for loan applications.
Licensed Mortgage Loan Originator
The Money Source|Amerisave Mortgage-Phoenix, AZ
Phoenix, AZ
06.2018 - 09.2019
- Assisted clients in obtaining mortgage solutions by evaluating leads and reviewing credit income and AUS. Simplified loan application processes to improve client experience. Provided essential information on application deadlines and approval statuses to support informed decision-making.
- Facilitated resolution of issues to enhance customer experience.
Licensed Mortgage Loan Originator
New American Funding
Tempe, AZ
10.2017 - 06.2018
- Implemented high-conversion strategies for inbound and outbound sales calls, ensuring effective management of inbound radio leads through a lead management system.
- Conducted informative sessions on mortgage financing options to enhance borrower knowledge and decision-making.
- Elevated client retention through exceptional service delivery during the mortgage process from pre-approval to closing.
- Delivered engaging presentations on diverse mortgage products to enhance borrower education.
Licensed Mortgage Loan Originator
Loan Depot, LLC
Scottsdale, AZ
01.2014 - 09.2017
- Analyzed borrower profiles and financial conditions to optimize the mortgage loan origination workflow.
- Executed comprehensive market analysis to guide clients in selecting optimal mortgage options and rates.
- Mentored junior staff in mastering loan origination techniques to enhance service delivery.
- Implemented strategic marketing initiatives to elevate visibility of mortgage products and services.
- Delivered consistent top performance, recognized with multiple top 5 awards. Enhanced inbound call handling efficiency through implementation of a lead management system in a high-volume environment. Closed an average of 7 to 11 loans monthly, significantly contributing to overall team success. Maintained a pipeline of 45 to 50 loans, ensuring timely processing. Strengthened business relationships while operating within the retention department.
- Originated mortgage loans by assessing borrower needs and financial profiles.
Education
High School Diploma -
La Cueva
Albuquerque, NMSkills
- NMLS licensed professional
- Licensed to operate in 48 states
- FHA, VA, and conventional loan expertise
- Client relationship management
- Strategic negotiation skills
- Refinancing strategies
- Detail-oriented analysis
- Loan documentation management
- Residential mortgage lending regulations
Timeline
Licensed Mortgage Loan Originator
Mutual of Omaha, Inc
10.2024 - 02.2026
Licensed Mortgage Loan Originator
Nations Reliable Lending, LLC
08.2024 - 10.2024
Licensed Mortgage Loan Originator
Phoenix Mortgage Brokers, LLC
04.2023 - 09.2023
Cared for Parents Until Their Passing
Self Employed Caregiver
10.2022 - 08.2024
Account Executive
Oaktree Funding Corporation
11.2021 - 04.2023
Military Mortgage Advisor
AAFMAA Mortgage Services, LLC
11.2020 - 11.2021
Licensed Mortgage Loan Originator
Carrington Mortgage Services
05.2020 - 11.2020
Licensed Mortgage Loan Originator
Fairway Independent Mortgage
01.2020 - 05.2020
Licensed Mortgage Loan Originator
Titan Mutual Lending
10.2019 - 01.2020
Licensed Mortgage Loan Originator
The Money Source|Amerisave Mortgage-Phoenix, AZ
06.2018 - 09.2019
Licensed Mortgage Loan Originator
New American Funding
10.2017 - 06.2018
Licensed Mortgage Loan Originator
Loan Depot, LLC
01.2014 - 09.2017
High School Diploma -
La Cueva