Sarah Cabrera
Miami,FL
Summary
Bilingual individual willing to go the extra mile to ensure quality service to each and every customer. A dependable Loan Specialist committed to explaining complex information in easy to understand terminology.
Thorough and detail-oriented Loan Officer brings proven expertise in evaluating packages with balanced approach encompassing both risk mitigation and profit goals. Excels at marketing products and developing referral networks to sustain customer base. Specializes in Fannie Mae, Freddie Mac and Ginnie Mae products.
Overview
20
20
years of professional experience
Work History
Mortgage Loan Officer
FBC Home Loans
Miami , FL
05.2024 - Current
- Conducted interviews with prospective clients to gather information regarding loan applications.
- Participated in team meetings, trainings conducted by management staff regarding updates on products, services offered by the company.
- Monitored customer accounts throughout the life cycle of each loan transaction.
- Processed new loan applications in accordance with established guidelines.
- Created reports summarizing activities such as originations, denials and delinquencies.
- Attended industry events and seminars in order to stay abreast of changes in the mortgage banking industry.
- Developed relationships with real estate agents, builders and other referral sources in order to generate business leads.
- Educated customers on various aspects of mortgage financing options available.
- Interacted with title companies, attorneys, surveyors and other third parties involved in the loan process.
- Negotiated terms and conditions of loan agreements with borrowers.
- Ensured compliance with all federal, state and local regulations related to mortgage lending.
- Analyzed financial data obtained from customers including income, assets and liabilities to determine loan feasibility.
- Evaluated existing customer accounts for refinancing opportunities or additional services offered by the company.
- Provided guidance on various types of mortgages such as FHA loans, VA loans, conventional loans.
- Maintained current knowledge of secondary market trends, government programs and other available financing sources.
- Assessed customer financial status and credit worthiness to determine eligibility for mortgage loans.
- Resolved borrower complaints in a timely manner while providing excellent customer service.
- Reviewed appraisals to ensure accuracy and completeness prior to submission to underwriting department.
- Complied applications and paperwork and double-checked for accuracy.
- Developed and maintained relationships with local real estate agents.
- Helped clients fill out loan applications and find ideal loan options.
- Guided applicants through the loan process, from application to closing.
- Informed customers of application deadlines, approvals and denials.
- Addressed and resolved applicant and borrower queries throughout the loan cycle.
- Educated customers regarding actions and strategies for debt repayment.
- Maintained up-to-date knowledge of various loan products and compliance regulations.
- Gathered client debt, credit and income information to determine loan eligibility.
- Educated clients on the implications of changes in mortgage rates.
- Monitored loan progress, ensuring timely processing and closing.
Realtor Associate
Xcellence Realty
Miami, FL
06.2010 - Current
- Kept sales moving forward by attending inspections, preparing contracts, and mitigating issues.
- Scheduled home viewings with potential buyers.
- Obtained favorable terms by expertly negotiating sales prices between buyers and sellers.
- Maintained current and accurate CRM database of prospective customers.
- Accompanied buyers during property inspections.
- Promoted properties via advertisements, open houses and multiple listing services.
- Developed marketing strategies for properties listed, including creating ads and brochures to ensure maximum exposure.
- Created detailed reports of property listings, including photos, descriptions, financials, and other relevant information.
- Conducted open houses, both in-person and virtual, to showcase homes for sale.
- Facilitated communication between all parties involved in transactions such as lawyers, appraisers and inspectors.
- Analyzed data related to comparable properties in order to determine accurate pricing when listing a property.
- Responded promptly to inquiries from potential buyers via phone calls or emails.
Mortgage Loan Officer
Home Financing Center
Coral Gables, FL
10.2011 - 05.2024
- Provided guidance on various types of mortgages such as FHA loans, VA loans, conventional loans.
- Educated customers on various aspects of mortgage financing options available.
- Ensured compliance with all federal, state and local regulations related to mortgage lending.
- Developed relationships with real estate agents, builders and other referral sources in order to generate business leads.
- Assessed customer financial status and credit worthiness to determine eligibility for mortgage loans.
- Analyzed financial data obtained from customers including income, assets and liabilities to determine loan feasibility.
- Processed new loan applications in accordance with established guidelines.
- Conducted interviews with prospective clients to gather information regarding loan applications.
- Maintained current knowledge of secondary market trends, government programs and other available financing sources.
- Informed customers of application deadlines, approvals and denials.
- Evaluated existing customer accounts for refinancing opportunities or additional services offered by the company.
Mortgage Specialist
A1 Mortgage Consultant
Miami, FL
09.2007 - 09.2011
- Handled customer inquiries regarding loan status or requirements via phone or email.
- Confirmed on-time mortgage payments as per signed agreements, reviewing records monthly to reduce past-due accounts.
- Verified income of borrower and gathered credit information.
- Monitored progress of loan applications throughout the entire process from start to finish.
- Generated new business and boosted sales using extensive knowledge, target market penetration, partner relationships and customer care techniques.
- Analyzed customer financial data to determine eligibility for mortgage programs.
- Provided support during the underwriting process by collecting additional documentation when needed.
- Negotiated terms and conditions of loans with borrowers based on their individual needs.
- Prepared loan documents such as credit reports, income statements, appraisals, and closing statements.
- Developed and maintained relationships with customers, real estate agents, and other professionals in the industry.
Mortgage Loan Officer
Strydio Mortgage
Miami, FL
05.2005 - 09.2009
- Provided guidance on various types of mortgages such as FHA loans, VA loans, conventional loans.
- Educated customers on various aspects of mortgage financing options available.
- Ensured compliance with all federal, state and local regulations related to mortgage lending.
- Analyzed financial data obtained from customers including income, assets and liabilities to determine loan feasibility.
- Assessed customer financial status and credit worthiness to determine eligibility for mortgage loans.
- Developed relationships with real estate agents, builders and other referral sources in order to generate business leads.
Education
License Real Estate Agent -
Gold Coast School
Miami, FL07-2009
Bachelor of Arts - Law (Pre-Law)
Barry University
Miami, FL05-2005
Mortgage Loan Officer -
Gold Coast School
Miami, FL04-2005
Skills
- Sales Development
- Payment Collection
- Sales Forecasting
- Negotiation Tactics
- Document Review
- Regulatory Compliance
- Marketing Expertise
- Credit Check Knowledge
- Goal-Oriented
- Licensed Mortgage Loan Originator
- Financial Analysis
- Credit Evaluation
- Document Analysis
- Desktop Underwriter Expert
- Relationship Selling
Timeline
Mortgage Loan Officer
FBC Home Loans
05.2024 - Current
Mortgage Loan Officer
Home Financing Center
10.2011 - 05.2024
Realtor Associate
Xcellence Realty
06.2010 - Current
Mortgage Specialist
A1 Mortgage Consultant
09.2007 - 09.2011
Mortgage Loan Officer
Strydio Mortgage
05.2005 - 09.2009
License Real Estate Agent -
Gold Coast School
Bachelor of Arts - Law (Pre-Law)
Barry University
Mortgage Loan Officer -
Gold Coast School