Experience
Annie- Mac Home Mortgage  April 2013 - Present
Freedom Mortgage  October 2011 - April 2012
Allied Home Mortgage  January 2011 - October 2011
E MORTGAGE MANAGEMENT, LLC  February 2010 - January 2011

Skills
USDA, FHA, VA, Conventional, Mortgage Lending, Refinance, Mortgage Banking, Mortgage, Loans, First Time Home Buyers, Purchase, VA loans, FHA financing, Credit, Conforming, Non-Conforming, Loan Origination, Mortgage Planning, Reverse Mortgages, Mortgage Underwriting, Government Loans, Home Equity Loans, Certified Mortgage..., Residential Mortgages, Investment Properties, Real Estate, Credit Analysis, Referrals, Finance, Real Estate Financing, VA Loans, FHA Financing

Education
Mount Saint Mary's College

Experience
Norcom Mortgage  June 2014 - Present
Annie Mac Home Mortgage   August 2013 - June 2014
Stearns Lending  February 2011 - August 2013
Primary Residential Mortgage, Inc.   May 2010 - February 2011
United Health Group  November 1999 - June 2010
The Mortgage House, LLC   June 2002 - December 2009
People's United Bank  1997 - 1999

Skills
Mortgage Lending, FHA, Residential Mortgages, Loans, First Time Home Buyers, Refinance, Loan Origination, Banking, Real Estate Transactions, Investments, Real Estate, Customer Satisfaction, Mortgage Banking, Residential Homes, Sales, Leadership, Investment Properties, Organizational..., Organizational..., Referrals, Mortgage, Client Satisfaction, Team Leadership, Finance, Risk Management, Credit, Sales Management, Selling, Negotiation, HARP, VA loans, Entrepreneurship, Credit Analysis, Insurance, Relationship Management, Underwriting, Commercial Lending, Time Management, Access, Process Improvement, Team Building, Data Analysis, Business Intelligence, Data Warehousing, Project Management, Healthcare Information...

Education
Sacred Heart University   1997 — 1999
BS, Computer Science

Norwalk Community Technical College   1995 — 1997
AS, Computer Science

Experience
Integrity First Financial Group (IFFG)   April 2015 - September 2015
Annie Mac Home Mortgage   January 2014 - April 2015
Movement Mortgage, LLC  January 2013 - January 2014
1st Metropolitan Mortgage dba Empire Equity Group   March 2007 - November 2010

Skills
Credit, Customer Service, Banking, Loans, Budgets, Microsoft Excel, Microsoft Office, Microsoft Word, Outlook, Mortgage Lending, English, PowerPoint, Windows, Research, Strategic Planning, •Knowledge of..., •20+ years of FHA/VA..., •Advanced experience..., •Knowledge of..., •Superior internal and..., •20+ years of Mortgage..., Interest Rates, Financial Services, Financial Management..., Certified Mortgage..., Mortgage Banking, Mortgage Underwriting, Mortgage Industry, Sales Process, Sales Presentations, Sales Management, Sales Operations, Identifying Sales..., Relocation, First Time Home Buyers, Investment Properties, Sellers

Education
Coastal Carolina Community College   2009 — 2012
Associate of Arts and Sciences (AAS), Electrical, Electronic and Communications Engineering Technology/Technician

Experience
Annie-Mac Home Mortgage  May 2013 - Present
E-Mortgage Management, LLC  December 2008 - May 2013
mid atlantic capital  2007 - 2009
Mid Atlantic Capital  July 2007 - September 2008
American Home Lending   August 2005 - July 2007

Skills
Loans, Customer Relations, Customer Service, Sales Management, Credit, Microsoft Office, New Business Development, Excel, Budgeting, Negotiation, Word, Compliance, PowerPoint, Accounting, Outlook, Real Estate, Mortgage, Microsoft Excel, Mortgage Lending, Investment Properties, Finance, Microsoft Word, Refinance, Budgets, FHA, Sales, Residential Homes, Mortgage Banking, First Time Home Buyers

Education
Liberty University   2000 — 2004
BS, Government

Victory Christian School   1988 — 2000

Experience
Annie Mac Home Mortgage   February 2014 - Present
Meridian Bank,  July 2012 - January 2014
Lincoln Mortgage  May 2010 - July 2012
Bank of America  May 2007 - May 2010
Frontgate Mortgage   May 2004 - May 2007

Skills
Mortgage Lending, Loan Origination, Loans, Residential Mortgages, Customer Service, Sales, FHA, Mortgage Banking, Refinance, USDA, VA loans, FHA financing

Education
Gloucester County College

Experience
Greenway Mortgage Spring Lake   June 2015 - Present
A A G AMERICAN ADVISORS GROUP   July 2014 - June 2015
Ocean First   July 2013 - July 2014
Jersey Mortgage Company  March 2012 - June 2013
ANNIE-MAC HOME MORTGAGE  January 2012 - July 2012
Residential Home Funding Corp  2010 - February 2012
Advisore Motgage Group   August 2010 - August 2011

Skills
Residential Mortgages, FHA, Refinance, VA, Mortgage Banking, Conventional, Mortgage Lending, Mortgage, Loans, First Time Home Buyers, Credit, Residential, Commercial Mortgages, Real Estate, Purchase, Sales Management, Investment Properties, USDA, Conforming, Mortgage Planning, Reverse Mortgages, Loan Origination, Mortgage Industry, VA loans, Construction Loans, Debt Consolidation, Investors, REO, Home, Loan Structuring, Short Sales, First Time Buyers, Government Loans, Referrals, Condos, Non-Conforming, Residential Purchases, Foreclosures, Rehab Loans, Credit Restoration, Home Equity Loans, Commercial Lending, Second Mortgages, Real Estate Financing, Home Equity Lines of..., Residential Homes, Mortgage Underwriting, Certified Mortgage..., Real Estate Transactions

Education
Rutgers, The State University of New Jersey-Newark   1968 — 1976
B.S., MARKETING /FINANCE

Rutgers University-New Brunswick
BS

Experience
Bank of America  February 2015 - Present
Annie Mac Home Mortgage   September 2014 - February 2015
Academy Mortgage Corporation.  April 2014 - August 2014
Fifth Third Bank  August 2012 - March 2014
MORTGAGE PARTNERS HOME FUNDING   July 1998 - August 2003
Pan American Bank  April 1996 - July 1998
TNT INTERNATIONAL   July 1994 - April 1996
UPS  July 1993 - July 1994

Skills
Banking, Sales, Real Estate, Mortgage Lending, Management, Residential Mortgages, Customer Satisfaction, Mortgage Processing, Follow Through, Accountability, Time Management, Purchase Financing, Refinance, Fast Turnaround, Reliable, Finance, Networking, Social Networking, Marketing, Mortgage Banking, Efficiency, Highly detail oriented, Friendly Personality, Passion for Helping..., Compassion, Empathy, Compliance, Building Relationships, Multitasking Skills, Microsoft Office, Microsoft Excel, Microsoft Word, Outlook Express, Proficient Typing Skills, Team-oriented, Self-driven, Online Research, FHA financing, Fannie Mae, USDA Rural Housing, FHA Financing, First Time Home Buyers, FHA

Education
University of Iowa   1989 — 1993
BBA, Finance

Experience
Residential Home Funding  May 2014 - Present
Annie-Mac Home Mortgage  January 2013 - May 2014
Comstar Technologies  October 2002 - January 2010

Skills
Management, Program Management, Account Management, Sales, Business Development, Sales Management, Telecommunications, Solution Selling, Microsoft Office, Time Management, Budgets, Vendor Management, Marketing Strategy, Microsoft Word, New Business Development, Residential Mortgages, Team Building, Mortgage Lending, Microsoft Excel, Selling, Customer Retention, Marketing, Leadership, Customer Satisfaction

Education
Universidad Católica Boliviana   1999 — 2002

Delaware County Community College   1998 — 2000

Henderson High School   1994 — 1998

St Agnes Elementary School   1985 — 1994
Diploma

Experience
Annie Mac Home Mortgage   February 2012 - Present
Residential Home Funding  November 2008 - January 2012
Superior Mortgage  2004 - 2005
Mountainside Mortgage   2001 - 2004

Skills
Mortgage Lending, Mortgage Banking, FHA, Banking, FHA financing, Residential Mortgages, USDA, Loan Origination, VA loans, Reverse Mortgages, Certified Mortgage..., Loans, Construction Loans, Investment Properties, Credit, Real Estate, Government Loans, Mortgage Underwriting, Residential Homes, Condos, Sellers, REO, Short Sales, Foreclosures, Real Estate Financing, Commercial Mortgages, Debt Consolidation, Home Equity Loans, Loss Mitigation, Commercial Lending, Underwriting, Credit Analysis, First Time Home Buyers, Refinance, Real Estate Transactions, Referrals

Education
Rutgers, The State University of New Jersey-New Brunswick   1995 — 1999
BA, Psychology

Experience
Annie Mac Home Mortgage   July 2012 - Present
Bank of America  January 2006 - July 2012
PHH Mortgage  June 1997 - January 2006

Skills
Mortgage Operations,..., Mortgage Lending, Underwriting, Mortgage Marketing, Credit, Mortgage Banking, Loan Origination, Residential Mortgages, Refinance, Credit Analysis, Banking, FHA, Loans, Credit Risk, Mortgage Underwriting, Risk Management

Education
Rutgers University-New Brunswick   1993 — 1997
Bachelor's degree

Rutgers University-New Brunswick
Bachelor's degree

Experience
Annie Mac Home Mortgage   May 2014 - Present
Absolute Home Mortgage Corp.  June 2009 - April 2014
A Great Mortgage Company   December 2008 - June 2009
Countrywide Home Loans - Bank of America  2006 - 2008

Skills
Refinance, Mortgage Banking, FHA, Mortgage Lending, Loan Origination, Reverse Mortgages, USDA, Residential Mortgages, Loans, Certified Mortgage..., Credit, Construction Loans, VA loans, FHA financing, Government Loans, First Time Home Buyers, Real Estate, Investment Properties, Real Estate Financing, Rates, Residential Homes, Short Sales, Closings, Referrals, HUD, Condos, Wholesale Lending, Branch Management, Real Estate Transactions, Sellers, Single Family Homes, New Home Sales, Appraisals, 203K, Debt Consolidation, FNMA, NMLS Licensed, Property, Selling, Commercial Mortgages, Mortgage Underwriting, Finance, Commercial Lending, Credit Analysis, Sales, Consumer Lending, Title Insurance, Lines Of Credit, Banking, Loan Modifications

Education
Rowan University   1999 — 2001
Bachelors of Science, Law

Cumberland County College   1996 — 1999
BA, Criminal Justice

Experience
Home Point Financial  June 2014 - Present
Annie Mac Home Mortgage   October 2013 - June 2014
Integrated Financial Group  August 2012 - September 2013
PrimeLending a Plains Capital Company  June 2010 - July 2011
ACA Mortgage   February 2008 - June 2010

Skills
FHA, Certified Mortgage..., HomePath, Mortgage Lending, USDA, Cash Out, Refinance, Down Payment Assistance, First Time Home Buyers, USDA Rural Housing, 203K, Government Loans, Super Jumbo, Non-Conforming, FHA financing, REO, New Home Purchase, Residential Mortgages, Real Estate Transactions, Finance, Loans, Underwriting, VA loans, Credit, Home Equity Lines of..., Home Equity, Loan Origination, Vacation Homes, Home Equity Loans, Sellers, NMLS, Reverse Mortgages, Fannie Mae, Mortgage Underwriting, Mortgage Banking, Debt Consolidation, Wholesale Lending, Referrals, Consumer Lending, Loss Mitigation, HUD, Commercial Lending, Investment Properties, Loan Servicing, Foreclosures, Credit Analysis, Construction Loans, Investments, Mortgage Marketing, Investors

Education
HACC, Central Pennsylvania's Community College   1982 — 1984
Assoc, Business Mgt/ Elem Education

Cedar Cliff

Penn State University
Elem Ed

Experience
Annie Mac home Mortgage   January 2013 - Present
First choice bank  2010 - 2011
GMI Home Loans, LLC  2009 - 2010

Skills
Relationship Management, Mortgage Banking, Underwriting, Commercial Banking, Credit Risk

Education
American International College   1995 — 1998
Bachelor of Science (BS), Business Administration and Management, General