Matthew Ochoa

• Originate purchase and refinance loans across FHA, VA, Conventional, and Non-QM programs
• Structure complex income, self-employed, and credit-challenged borrower scenarios
• Ensure strict compliance with federal and state lending regulations and disclosures

Originated high-volume inbound mortgage applications in a consumer direct environment averaging 10+ fundings per month.

• Consistently converted inbound leads into funded loans through consultative sales approach
• Navigated complex AUS findings, layered income sources, and tight DTI scenarios
• Delivered clear rate, cost, and program comparisons to drive borrower confidence

• Originated residential mortgage loans across multiple loan programs
• Guided borrowers through documentation collection and underwriting conditions
• Maintained compliance with lending and disclosure standards in fast-moving pipeline

• Produced residential mortgage loans while leading branch operations and compliance oversight
• Managed pipeline, reviewed files, and improved first-pass underwriting approval rates
• Built referral channels while maintaining hands-on production responsibilities