JOCELYN DE GUZMAN

• Evaluating loan applications to determine eligibility and determining the best mortgage products.
• Educating potential clients, consumers and realtors, on various loan options, guiding them towards informed decisions that fit their or their clients' financial goals.
• Collaborating with underwriters, processors, loan applicants and escrow to facilitate timely processing of loan approvals and funding.
• Monitoring market trends, while staying current on a wide range of loan programs and products (Conventional, Government, Non-QM, HELOC), as well as marketing tools from multiple wholesale lenders to market and promote.
• Hosting open houses, attending networking events, building relationships with realtors, loan agents, business professionals, making at least 5 solid conversations a day.

As an Independent Real Estate Broker for De Guzman Realty & Loans, I represented clients in purchase and sale of residential properties, successfully negotiating contracts with buyer and seller agents to secure favorable terms and ensure smooth closings. Then worked for Century 21, and currently for Realty ONE Group Today, collaborating with other realtors in helping develop business opportunities through strategic partnerships in exchange for loan referrals.

• Developed marketing materials to enhance listings, appealing loan products & program to attract potential buyers.
• Host open houses and partnered with other agents for property showings, delivering exceptional client service throughout the process.
• Door knocked with other agents in neighborhoods looking for business opportunities on the idea of selling and taking advantage of loan products and programs (such as HELOCs, Reverse Mortgage, etc) to buy and or improve their home.
• Consulted with clients, both consumers and realtors, on property investment opportunities, providing expert guidance to maximize return on investment.

• Stayed up-to-date on current market trends and regulatory changes, ensuring accurate advice and guidance for clients relocating out of state and partnering with other loan agents licensed in those states.

• Closed 26 units in 2021, 14 purchases & 12 Refinances, Estimated $8.3 Million dollars in fundings.
• Built and maintained strong relationships with wholesale lenders while staying current on their products, guidelines, and programs to match clients with the most suitable financing solutions.
• Assisted clients in understanding complex mortgage terms and conditions, empowering them to make informed decisions about their home financing options.
• Stayed up-to-date on current market trends and regulatory changes, ensuring accurate advice and guidance for clients navigating the mortgage landscape.
• Maintained a strong network of industry professionals (Realtors, Financial Advisors, business owners, Escrow/Title reps) fostering valuable partnerships that benefited clients and business growth.

• Collaborated with real estate agents to facilitate seamless loan processes.
• Stayed current on a wide variety of loan programs and products offered by wholesale lenders while serving as an independent contractor, strengthening relationships with the company’s operations team to support smooth transactions and client success.
• Educated clients on mortgage options, enhancing understanding of terms and conditions and stressing the importance of EPOs.

• Knowledge of company's underwriting requirements for FNMA, FHLMC, FHA, and VA. Primarily sold 5/1, 10/1 arms and Doctor Loan Programs.
• Consistently closed $1.5-$2M in monthly fundings.
• Designated Loan Officer for the Santa Monica, Pacific Palisades and Woodside Branch. Responsible in building relationships with Branch Manager, Business Loan Manager, Tellers and CSR to ensure customer referrals requirements to meet branch goals.

• Built relationships with agents by visiting real estate offices, open houses, attending networking events and staying active with Beverly Hills Greater Los Angeles Association of Realtors aka BHGLAAR.
• Managed a satellite office in Malibu Village, to conveniently help local real estate agents with loan scenarios, fostering strong business relationships, and engaging in client development activities, including networking and relationship-building meetings.
• Stayed educated in and promoted high-demand Non-QM loan products, including Foreign National loans, Bank Statement programs, and Asset Depletion, to meet the diverse financing needs of clients.

• Maintained active licensing in 16 states to originate loans, servicing leads from 11 major servicers, including Cenlar and Aurora, and guiding clients through short-pay refinances, purchases, and traditional refinances identifying the best loan solutions. Consistently funding 8-12 Loans a month resulted in being promoted to Sherman Oaks Headquarters.
• Designated Loan Officer for Real Estate offices handling Short Sales from Chase, Bank of America, and Wells Fargo. Built relationships with local realtors in Mike Ferry events, Realtor Associations, and helping promote company listings exchange for loan referrals.
• Pre-underwrote and packaged loans from application through closing while managing a full pipeline to ensure accuracy, compliance, and timely closings. Loan programs included Conventional, FHA, and Renovation 203K.

● Managed over 100 business accounts for a Fortune 500 company, overseeing all aspects of cold-call prospecting, account profiling, and client relationship management.

● Consistently exceeded $2 million in monthly fundings and became the first to outperform the #1 Sales Executive in the Western Region by the 8th month.

● Visited mortgage brokerages to market the company’s strengths, deliver weekly presentations, and educate clients company’s loan programs and products as well as market conditions.

● Proactively called prospects between office visits, reviewing up to 10 loan applications daily to maintain efficiency and ensure peak monthly productivity.

● Completed first-year training as a Loan Processor, Underwriter, and Loan Officer Assistant for the Wholesale Tele-Finance Team gaining comprehensive knowledge of end-to-end loan operations.

● Assisted top producers in managing pipelines, expediting customer service, preparing marketing materials, and handling administrative duties, building a strong foundation in the production process that contributed to future success as a sales representative to mortgage brokers nationwide.