Jean Belzer Louis
Mortgage Loan Officer | NMLS | HUD Certified Housing Counselor
Holly Springs,NC
Summary
Housing program professional overseeing counseling operations, client file quality, and partner coordination across housing and lending services. Leads compliance, documentation review, staff support, and reporting workflows that keep programs audit-ready and responsive. Combines borrower counseling expertise with budgeting and operational oversight across homeownership and foreclosure-prevention services.
Overview
2
2
Certifications
13
13
years of professional experience
Work History
Independent Financial Coach/Consultant (Part-time)
JBP CONSULTING
07.2023 - Current
- Counsel 75+ entrepreneurs and small-business owners with net worths of $50K–$375K, assessing credit, income, debt, savings, and cash flow to improve borrowing readiness.
- Guide 5-10 clients monthly through budgeting, credit improvement, and debt reduction planning.
- Review credit reports and financial documentation to identify barriers to financing and improve borrower eligibility.
- Coach individuals and groups on budgeting, debt management to maintain and achieve long-term financial goal setting.
Mortgage Counselor
NEIGHBORHOOD ASSISTANCE CORPORATION OF AMERICA (NACA)
04.2025 - Current
- Managed a portfolio of 250+ prospective homebuyers, guiding mortgage readiness and qualification.
- Supported $4.5M in mortgage qualification through borrower preparation and lender coordination.
- Analyzed income, credit, debt, assets, savings, expenses, and cash flow to assess affordability and mortgage readiness.
- Counseled and educated members on mortgage products, qualification requirements, affordability, financing options, government loan programs, and conventional loan programs. .
- Processed NACA qualifications and Credit Access submissions while maintaining accurate, compliant, audit-ready files.
- Coordinated with mortgage underwriters, real estate professionals, and third-party partners throughout the mortgage process.
Housing Counseling Program Consultant
URBAN LEAGUE OF PALM BEACH COUNTY AND TREASURE COAST
01.2014 - 06.2023
- Communicated with 6+ housing funders and financial partners, resolving documentation requests and supporting reporting requirements.
- Maintained accurate, confidential, audit-ready client files through detailed file reviews and quality checks.
- Coordinated schedules, calendars, meetings, and reporting deadlines to keep housing operations on track.
- Provided department oversight during leadership transition, supporting continuity across housing, lending, and compliance operations.
- Supported onboarding of the incoming Director of Housing by organizing priorities, handoffs, and operational context.
- Reviewed client documentation for completeness and confidentiality, reducing follow-up friction across housing workflows.
- Tracked stakeholder follow-up across reporting deadlines, meetings, and document requests to maintain responsive service.
Senior Director of Housing and Economic Empowerment
URBAN LEAGUE OF PALM BEACH COUNTY AND TREASURE COAST
07.2015 - 09.2022
- Directed housing counseling services for 4,500+ clients across mortgage readiness, credit improvement, homebuyer education, and financial coaching.
- Helped facilitate $5.7M+ in first-time homebuyer mortgage closings by preparing clients for financing and coordinating lender, realtor, and partner support.
- Oversaw foreclosure-prevention counseling resulting approximately $75M in economic benefits to the local communities through loss-mitigation options and the Florida Hardest-Hit Fund.
- Supervised, trained, and developed 6 housing professionals across financial analysis, client service, documentation, and regulatory compliance.
- Cultivated relationships with banks, mortgage lenders, real estate professionals, government agencies, and referral partners to expand homeownership and financing access.
- Maintained audit-ready operations and client files through documentation standards, quality-control reviews, performance tracking, and regulatory compliance.
Housing Counselor
URBAN LEAGUE OF PALM BEACH COUNTY AND TREASURE COAST
06.2014 - 07.2015
- Counseled prospective and existing homeowners on mortgage readiness, home purchase, credit improvement, affordability, and foreclosure prevention.
- Analyzed credit reports, income, debt, assets, expenses, and household financial data to identify financing barriers and develop individualized action plans.
- Connected mortgage-ready clients with lenders, real estate professionals, down-payment assistance programs, and other financing resources.
- Guided clients through the homebuying process, helping them understand mortgage requirements, loan affordability, documentation, and lender expectations.
- Monitored foreclosure prevention cases and discussed loss mitigation options with at-risk homeowners.
- Facilitated homebuyer education sessions covering financial readiness, loan basics, and closing preparation.
Education
MBA - Business Administration and Management
Lynn University
Boca Raton, FL05-2007
BBA - Business Administration
South University
West Palm Beach, FL06-2003
Skills
- Mortgage qualification & pre-qualification
- Borrower financial analysis
- Credit analysis & improvement
- Mortgage readiness & affordability
- Debt-to-income analysis
- Budgeting
- Loan application review
- Compliance documentation
- Foreclosure prevention counseling
- Homebuyer education
- Partner coordination
- Government loan programs
- Conventional loan programs
- Interest rate analysis
- Secondary market guidelines
- Underwriting guidelines
Certification
HUD - Certified Housing Counselor
Timeline
Mortgage Counselor
NEIGHBORHOOD ASSISTANCE CORPORATION OF AMERICA (NACA)
04.2025 - Current
Independent Financial Coach/Consultant (Part-time)
JBP CONSULTING
07.2023 - Current
Senior Director of Housing and Economic Empowerment
URBAN LEAGUE OF PALM BEACH COUNTY AND TREASURE COAST
07.2015 - 09.2022
Housing Counselor
URBAN LEAGUE OF PALM BEACH COUNTY AND TREASURE COAST
06.2014 - 07.2015
Housing Counseling Program Consultant
URBAN LEAGUE OF PALM BEACH COUNTY AND TREASURE COAST
01.2014 - 06.2023
BBA - Business Administration
South University
MBA - Business Administration and Management
Lynn University