Hi, I’m
Maria Philips
Denver,CO
Summary
Highly Motivated Licensed Real Estate Professional and Mortgage Broker with additional experience in Asset Management. Possesses a meticulous eye for detail. Energetic and ambitious professional with exceptional communication and client service skills used to evaluate market information and financial goals. Demonstrated history of processing high-volume transactions with accuracy. Proactive problem solver with a strong work ethic and demonstated financial acumen.
Overview
15
years of professional experience
Work History
Grant Real EstateDenver, CO
Broker Associate
10.2021 - Current
Job overview
- Working with Buyers to plot a course leading to homeownership including advising on credit, affordability and strategies on how to win in a market with short supply and a rising interest rate environment
- Working with Sellers on marketing homes which will often times lead to multiple offer situations, understanding seller concessions to make homes more accessible to various types of buyers and how appraisals may impact a sale and negotiation
- Staying up to date on current law, regulations and trends in Real Estate through ongoing continuing education and market involvement
- Negotiating with other Brokers to reach the best outcomes for all clients involved in a given transaction
Edge Home FinanceDenver, CO
Branch Manager
02.2019 - Current
Job overview
- Pre-Approving and Pre-Underwriting clients for home purchases and refinances by reviewing credit documents, evaluating debt ratio, loan-to-value ratios, Fico scores, property appraisals, analyzing of collateral documents
- Collecting, validating and matching required documents to automated Underwriting findings from Fannie Mae, Freddie Mac, FHA, USDA and Veterans Administration Loans (Agency)
- Expertly staying up to date on underwriting guidelines, program changes, and specialized buyer programs Finding the best rates and programs for my clients through the broker channel
- Familiarity with the latest Non – Qualifying Mortgage/Non-Agency programs and documentation requirements
- Successfully building referral relationships with Real Estate Agents, Builders, Commercial land developers, Attorneys and Financial Advisors
- Continually building customer relationships through cold calling, personal and professional referrals, and CRM marketing
Citywide Home LoansDenver, Colorado
Senior Loan Officer
01.2014 - 12.2018
Job overview
- Successfully built referral relationships with Real Estate Agents
- Pre-Approving and Pre-Underwriting clients for home purchases and refinances by reviewing credit documents, evaluating debt ratio, loan-to-value ratios, Fico scores, property appraisals, analyzing of collateral documents
- Collecting and matching required documents to automated Underwriting findings from Fannie Mae, Freddie Mac, FHA, USDA and Veterans Administration Loans
- In House Lender for Keller Williams Avenues
- Continually built customer relationships through cold calling, personal and professional referrals
- And CRM marketing
- Expertly staying up to date on underwriting guidelines, program changes, and specialized buyer programs
Wells Fargo Home MortgageDenver, Colorado
Home Mortgage Consultant
04.2011 - 01.2014
Job overview
- Responsible for building referral relationship with Real Estate Agents
- Matching required documents requested by WF proprietary underwriting guidelines for both Agency and WF Portfolio loans
- Building customer relationships through cold calling, mailers, email and bank branch relationships
- Staying up to date and knowledgeable on current mortgage underwriting guidelines and changing legislation
Phoenix Asset ManagementDenver, Colorado
Asset Manager
01.2009 - 04.2011
Job overview
- Managed over 230 assets on the AHMSI account team
- Became one of the top four Asset Managers on a 26 AM team within six months on the AHMSI team
- Regularly closed between 18 and 20% of assets under management
- Presented to and fundamental in landing Fannie Mae Account
- Part of initial Fannie Mae Training team
- Consistently in Top Three on Fannie Mae team in Key Fannie Mae metrics of Gross Execution, Sales Conversion, Runoff Rate and Closed Units
- Closing ratio of between 22-25% on the Fannie Mae Account
Education
Oakland University
B.A. from Communications
12.1998
University Overview
Division II Basketball
Skills
- Business Development
- Home Sale Guidance
- Contract Negotiation
- Market Monitoring
- CRM Software Use
- Title Research
- Inspector and Appraiser Collaboration
Community Engagement
Boys Basketball Coach Denver, Colorado
November 2011 – Present DPS, DPR and DSST
Real Estate, Investing and Coaching Mentor Denver, Colorado
November 2011 – Present
Financial Education and Credit Classes Denver, Colorado
November 2015- March 2019 Denver South High School
Timeline
Broker Associate
Grant Real Estate
10.2021 - Current
Branch Manager
Edge Home Finance
02.2019 - Current
Senior Loan Officer
Citywide Home Loans
01.2014 - 12.2018
Home Mortgage Consultant
Wells Fargo Home Mortgage
04.2011 - 01.2014
Asset Manager
Phoenix Asset Management
01.2009 - 04.2011
Oakland University
B.A. from Communications
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