Victoria Serrano
Fountain Valley,CA
Summary
Top notch Mortgage Loan Officer with more than 15 years experience in representing mortgage corporations and originating mortgage loans ;including obtaining applications as well as coordinating and assisting in the processing and closing of loans. Detail-oriented Mortgage Loan Officer, committed to accuracy and financial success. Highly sales-minded with top-notch negotiation skills. Explains loan types and service terms in easily understood language.
Overview
24
24
years of professional experience
Work History
Mortgage Loan Officer
Valley View Home Loans
La Mirada, California
09.2023 - 05.2025
- Assessed customer financial status and credit worthiness to determine eligibility for mortgage loans.
- Educated customers on various aspects of mortgage financing options available
- Provided guidance on various types of mortgages such as FHA loans, VA loans, conventional loans.
- Negotiated terms and conditions of loan agreements with borrowers.
Senior Mortgage Loan Officer
LoanLock
Santa Ana, CA
03.2020 - 08.2022
- Reviewed credit histories from applicants and determined feasibility of granting requested loans.
- Analyzed applicant financial and credit status, evaluating assets and risk to determine loan feasibility.
- Demonstrated self-reliance by meeting and exceeding workflow needs.
Mortgage Loan Assistant
Direct Processing USA
Santa Ana, CA
07.2013 - 06.2018
- Assisted clients with properly completing and submitting their Modification documents, in order to get an Approved Loan Modification
- Provided regular updates to all parties on the loan status.
- Reached out to applicants to verify details and obtain additional information.
- Interviewed customers to determine reasons for delinquency, source of income and next pay date to build solutions for financial issues.
Mortgage Loan Officer
Bank of America Home Loans
Anaheim, CA
06.2008 - 11.2012
- Delivered prompt, accurate and excellent customer service
- Interviewed and Pre-Qualified Prospective borrowers
- Provide mortgage clients sound mortgage advice based on a full understanding of client needs as well as Bank of Americas Mortgage products
- Adhered to and complied fully with any and all Bank policies and procedures related to internal and external rules and regulations, particularly those established by the State and Federal law.
- Advised borrowers of lock-in policy and ensured lock requests were completed accurately
- Responsible for the sales of Bank of America's Loan products within bank policies and procedures as well as consistent, effective referrals of mortgage clients for other bank services
Senior Mortgage Loan Officer
Countrywide Home Loans
Santa Ana, CA
01.2003 - 07.2008
- Interviewed and pre-qualified prospective borrowers
- Informed borrowers and related parties of Loan options, market conditions, documents and other requirements needed to close the loan
- Determined customer financing objectives, advised customers of product/ pricing policies and procedures, as well as secondary market investors guidelines utilized by the bank
- Provided superior client follow-up throughout life of the loan and after closing to ensure client satisfaction
Mortgage Loan Officer
First Bank Home Mortgage
Tustin, CA
07.2001 - 01.2003
- Developed relationships with new and current borrowers to promote continuous business
- Interviewed and Pre-qualified prospective borrowers
- Assisted operations personnel in processing and closing loans
- Provided clients mortgage advice base on a full understanding of client needs
Education
High School Diploma -
Orange High School
Orange, CA01-1997
Licensed in AZ,CA,CO,FL,IL,NC,SC,NV,MN,OR,WA,VA, -
National Mortgage Licensing Systems
Skills
- Exceptional customer service
- Persuasive negotiator
- Excellent communication skills
- Reliable
- Friendly
- Detail-oriented
- Team player
- Strong work ethic
Timeline
Mortgage Loan Officer
Valley View Home Loans
09.2023 - 05.2025
Senior Mortgage Loan Officer
LoanLock
03.2020 - 08.2022
Mortgage Loan Assistant
Direct Processing USA
07.2013 - 06.2018
Mortgage Loan Officer
Bank of America Home Loans
06.2008 - 11.2012
Senior Mortgage Loan Officer
Countrywide Home Loans
01.2003 - 07.2008
Mortgage Loan Officer
First Bank Home Mortgage
07.2001 - 01.2003
Licensed in AZ,CA,CO,FL,IL,NC,SC,NV,MN,OR,WA,VA, -
National Mortgage Licensing Systems
High School Diploma -
Orange High School
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