Michael DePena
Port Charlotte,FL
Summary
Motivated and detail-oriented Mortgage Broker with over 20 years of experience in the financial industry. Proficient in analyzing clients' financial situations, providing tailored mortgage solutions, and ensuring compliance with industry regulations. Proven track record of fostering positive client relationships and closing deals efficiently. Adept at navigating complex mortgage processes and delivering exceptional customer service. Seeking to leverage expertise to contribute to a dynamic mortgage brokerage firm.
Overview
15
15
years of professional experience
1
1
Certification
Work History
Senior Mortgage Broker
US Mortgage Lenders
Hollywood, FL
10.2022 - Current
- Analyze clients' financial information, credit reports, and employment history to determine suitable mortgage options
- Educate clients on various mortgage products, rates, and terms, ensuring they understand their options and obligations
- Guide clients through the mortgage application process, collecting necessary documentation and ensuring accuracy and completeness
- Liaise between clients, lenders, and other stakeholders to facilitate smooth and timely mortgage closings
- Maintain up-to-date knowledge of mortgage industry regulations and guidelines to ensure compliance
- Build and maintain strong relationships with clients, real estate agents, and lending institutions to generate referrals and repeat business
- Negotiate terms and conditions with lenders to secure the most favorable mortgage rates and terms for clients.
Senior Mortgage Broker /Branch Manager
Rate Lover
Coral Gables, FL
11.2021 - 10.2022
- Assisted clients in securing mortgage loans for home purchases, refinancing, and home equity lines of credit
- Conducted thorough financial assessments to determine clients' eligibility for various loan programs
- Prepared and submitted loan applications, ensuring accuracy and compliance with regulatory requirements
- Communicated with clients throughout the loan process, providing updates and addressing any concerns or questions
- Collaborated with underwriters and other internal teams to expedite loan approvals and closings
- Participated in networking events and seminars to expand client base and generate leads.
Senior Loan Officer
Nexa Mortgage LLC
Miami, FL
04.2021 - 10.2021
- Retain and develop professional business relationships with Real Estate Professionals, Bankers, CPA’s, Financial Advisors, and Credit Repair companies
- Gather borrowers' loan documents and review documentation for loan preapproval
- Extensive home loan knowledge with FHA, Fannie Mae, Conventional, VA, USDA, Non-QM, and Jumbo loans
- Discuss loan terms and approval conditions with borrowers.
Senior Loan Officer
Fairway Independent Mortgage Corporation
Miami, FL
04.2019 - 04.2021
- Maintaining and developing relationships with Realtors, Brokers, and Bankers, Accountants, and other referral sources
- Obtaining buyer’s information and verifying loan documents and reviewing file documentation to guide each loan
- Experience with FHA, Fannie Mae, Conforming, Veteran, Non-Conforming and Jumbo loans
- Negotiating the terms and conditions of loans with borrowers.
Senior Loan Officer/Sales Manager
Paramount Residential Mortgage Group
Doral, FL
12.2014 - 03.2019
- Maintaining and developing relationships with Realtors, Brokers, and Bankers, CPA’s, financial advisors, Credit Repair, and other referral sources
- Acquiring buyer’s information and verifying loan documents and reviewing file documentation to guide each loan
- Loan knowledge with FHA, Fannie Mae Conforming, VA, Non-Conforming and Jumbo loans
- Negotiating the loan terms and conditions of loans with borrowers
- Management of 5 loan originators.
Sales Manager /Loan Officer
Trust Lending Mortgage Corp
Doral, FL
02.2014 - 12.2014
- Build relationships with Florida Realtors, Bankers, CPA’s, Financial Advisors, and Credit Repair Experts and other referral sources
- Gather borrower’s information, verify loan documents, and review files documentation to guide each loan
- Negotiating the terms and conditions of loans with customers
- Loan expertise with FHA, Conventional, VA, Reverse, Conforming, and Nonconforming loans.
Sale Manager/Loan Officer
Equity Mortgage Bankers
Doral, FL
07.2014 - 11.2014
- Establish and maintain relationships with Realtors, Builders, Bankers, CPAs, and Credit Repair Experts
- Acquire buyer’s information and verify loan documents and review file documentation to guide each loan
- Manage a loan pipeline of 15-25 loans
- Loan knowledge with FHA, Fannie Mae Conforming, VA, Non-Conforming and Jumbo loans.
Loan Processor
Grove Capital Finance
Coconut Grove, Florida
02.2013 - 09.2013
- Mortgage industry professional with loan-processing experience and a comprehensive knowledge of conventional and government loan programs
- Thorough in gathering borrower information, verifying loan documents, and reviewing file documentation to guide each loan from preapproval to closing
- Computer savvy in MS Office Suite and proprietary mortgage-processing software (Calyx Point)
- Managing loan pipeline 15 loans and more
- Loan processing expertise with conforming & nonconforming loans, FRMs, ARMs, GPMs, Jumbo Loans, Fannie Mae & Freddie Mac guidelines, FHA, and VA loans.
Sports Agent
First Round Management
Miami, Florida
10.2010 - 01.2013
- Generate new clientele by outbound, inbound, and internet inquiries, meeting with athletes, coaches, managers, sponsors, and gym owners as per the necessity
- Finalizing contracts and settlements, conduct negotiations with CEO’s CFOs, and Marketing Directors
- Advice clients of the best possible options short as well as long-term financial gains
- Carry out risk and financial analysis on several salary offers or contracts and conveying this information to the athlete in a timely and proper manner
- Collecting and invoicing percentages or fees as written in the contract between the athlete and sports agent.
Legal Assistant
Advocate Law Groups of Florida P.A.
Miami, Florida
11.2008 - 09.2010
- Conduct inside sales of legal services offered by law firm which included loan modifications, foreclosure defense, and bankruptcy services to new clients by way of walk-in, inbound calls, outbound calls, live transfers, and internet leads
- Prepare lender financial packages for mediation and lender submission as well as draft answers and motions
- Maintain office pipeline and follow-ups with clients on a weekly basis
- Assist Attorney in case preparation: research and gather information with respect to Loan Modification and Foreclosure Litigation.
Education
Some College (No Degree) - Accounting And Business Management
Miami Dade College
Miami, FLSkills
- Mortgage origination and processing
- Financial analysis and risk assessment
- Excellent communication and interpersonal skills
- Attention to detail and accuracy
- Knowledge of mortgage industry regulations
- Customer service and relationship management
- Negotiation and problem-solving abilities
- Proficiency in mortgage software and CRM platforms
- Strong Analytical Skills
- Sales Development
- Negotiation Tactics
- Credit Check Knowledge
- Client Account Management
- Desktop Underwriter Expert
Languages
Spanish
Professional
Certification
- Mortgage License NMLS #985093
- Florida Broker Sales Associate #SL3602137
- Florida Notary #HH379278
References
References available upon request.
Timeline
Senior Mortgage Broker
US Mortgage Lenders
10.2022 - Current
Senior Mortgage Broker /Branch Manager
Rate Lover
11.2021 - 10.2022
Senior Loan Officer
Nexa Mortgage LLC
04.2021 - 10.2021
Senior Loan Officer
Fairway Independent Mortgage Corporation
04.2019 - 04.2021
Senior Loan Officer/Sales Manager
Paramount Residential Mortgage Group
12.2014 - 03.2019
Sale Manager/Loan Officer
Equity Mortgage Bankers
07.2014 - 11.2014
Sales Manager /Loan Officer
Trust Lending Mortgage Corp
02.2014 - 12.2014
Loan Processor
Grove Capital Finance
02.2013 - 09.2013
Sports Agent
First Round Management
10.2010 - 01.2013
Legal Assistant
Advocate Law Groups of Florida P.A.
11.2008 - 09.2010
Some College (No Degree) - Accounting And Business Management
Miami Dade College
- Mortgage License NMLS #985093
- Florida Broker Sales Associate #SL3602137
- Florida Notary #HH379278
Similar Profiles
Edward WilliamsEdward Williams
Mortgage Loan Officer at Us Mortgage LendersMortgage Loan Officer at Us Mortgage Lenders
ADRIANA MARIA GONZALEZADRIANA MARIA GONZALEZ
Mortgage Loan Originator ( MLO) at READY MORTGAGE LENDERS, LLCMortgage Loan Originator ( MLO) at READY MORTGAGE LENDERS, LLC
Theron (Nik) ComptonTheron (Nik) Compton
Residential Appraiser at Licensed fee appraiser for various banks and mortgage lendersResidential Appraiser at Licensed fee appraiser for various banks and mortgage lenders