Agnes Santos

Agnes Santos Email and Phone Number

Loan Officer @ Loan Factory, Inc.
Riverside, CA, US
Agnes Santos's Location
Riverside, California, United States, United States
About Agnes Santos

SUMMARYEvery day is a journey, and the journey itself is home. By: Matsuo BashoMany people consider buying a home the biggest purchase they will make in a lifetime. The process is complex and can be overwhelming particularly for first time homebuyers. To keep you informed at every stage of the loan process is key.➨➨ I explain in detail the home buying process from the first step of deciding if it is the right time for you to buy all the way through loan closing. I provide a pre-approval letter within 24-48 hours from the time my clients submit the basic requirements. The pre-approval letter gives my clients a much better idea of the price of the home they should be looking for. ➨➨ I provide a side by side comparison of financing alternatives that clearly shows the benefits of each option while offering recommendation of the best mortgage solution. ➨➨ Good communication and transparency are the key ingredients in a relationship and the same holds true in a home purchase transaction. I provide a DOs and DON'Ts list to guide my clients with what to do and what not to do before and during the loan process. This will put everyone on the same page and helps manage my client's expectations; also avoids unnecessary delays and/or surprises in the end.➨➨ Call me at (626) 731- 2162 to schedule a FREE CONSULTATION today. Visit www.agneshomeloans.com to learn more about the home mortgage process and the benefits of working with me. ... Check out this testimonial...(https://www.zillow.com/lender-profile/santosagnes/)The BEST - leayusi - Fontana, CA "We love Agnes and can't thank her enough for fulfilling our dream of becoming a home owner. Loan processing & approval would not be as smooth as it was without the know-how & expertise of Agnes, not to mention that we got the key in 3 weeks from the opening of escrow! Not only we have a new home but, we have new family with Agnes! If 5 stars is the highest rating, we give Agnes 10 stars".

Agnes Santos's Current Company Details
Loan Factory, Inc.

Loan Factory, Inc.

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Loan Officer
Riverside, CA, US
Agnes Santos Work Experience Details
  • Loan Factory, Inc.
    Loan Officer
    Loan Factory, Inc.
    Riverside, Ca, Us
  • Loan Factory, Inc.
    Loan Officer
    Loan Factory, Inc. Dec 2023 - Present
    San Jose, California, Us
  • Nexa Mortgage
    Loan Officer
    Nexa Mortgage Feb 2023 - Sep 2023
    Chandler, Arizona, Us
    Residential mortgage lending (conventional, government, reverse, Down Payment assistance, Non-QM loans in all 48 states (except NY and MA) and some commercial lending
  • Loan Direct
    Mortgage Loan Officer
    Loan Direct Aug 2022 - Nov 2022
    Costa Mesa, California, Us
    Residential and commercial financing in California and 8 other states within the US
  • O1Ne Mortgage, Inc.
    Senior Loan Officer/Team Leader
    O1Ne Mortgage, Inc. Jul 2021 - Aug 2022
    West Covina, California, Us
  • Asian Real Estate Association Of America (Areaa)
    President, Asian Real Estate Association Of America Inland Empire Chapter
    Asian Real Estate Association Of America (Areaa) Jan 2021 - Dec 2021
    San Diego, Ca, Us
  • Ez Fundings Home Loans
    Home Mortgage Consultant
    Ez Fundings Home Loans May 2020 - Jan 2021
    Rancho Cucamonga, Ca, Us
  • Excelerate Capital
    Senior Loan Officer
    Excelerate Capital Nov 2019 - May 2020
    Irvine, California, Us
  • Finance Of America Mortgage Llc
    Loan Officer
    Finance Of America Mortgage Llc Apr 2019 - Aug 2019
  • Guild Mortgage Company
    Mortgage Loan Officer
    Guild Mortgage Company Oct 2018 - Mar 2019
  • United Funding
    Loan Officer, Nmls220953.Lic. By Dept. Of Business Oversight . Ca Residential Mortgage Lending Act
    United Funding Jan 2018 - Apr 2018
    Handles mortgage origination and packaging of various mortgage financing solutions that would suit the needs of my clientele.Develops and manages relationships with business referral sources primarily real estate agents; CPAs; financial advisors; lawyers, etc.Manages own loan portfolio and book of business as potential lead sources and builds and maintains a good and robust database management system Maintains rapport with other operating units of the company as well as third party service providers; such as, title, escrow, insurance companies.
  • Alterra Home Loans
    Mortgage Loan Officer
    Alterra Home Loans Sep 2017 - Nov 2017
    Las Vegas, Nevada, Us
    Alterra has always had one goal: “Build Wealth Through Homeownership”. We understand that as more families prepare to take that next step to financial stability, we need to be ready to meet that demand with sophisticated tools, better processes, and innovative products. Although the process is complex and the variables are many, we always stay on track by focusing on a few simple objectives. My work ethic are evident in the core values I share with my company:- Provide a great experience for my clients through attentive, detailed, and efficient work. Every client is different and there are a myriad of products out there, this is why I hold hands of my borrowers every step of the way.- Find better ways to serve my clients by offering them with the best mortgage solution that meets their financial goals.- Good communication with my borrowers and agents as well as third party providers involved in a purchase or refinancing transaction. I try to keep everyone in the loop and I take accountability of any lapse in the process as I strive to always be on top of each loan file.
  • Nexcap Home Loans
    Sales Manager/Loan Officer
    Nexcap Home Loans Jun 2016 - Aug 2017
    NexCap Home Loans is a direct lender headquartered on Wilshire Blvd Los Angeles by Koreatown.Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with competitive interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that may arise while securing a loan.What sets us apart from the rest are:- our dedication to detail on each file; a complete needs lists are provided and clearly communicated to each party of the transaction- respect for timelines to meet the target closing dates of each transaction particularly the purchase loans that delight every agent that trusted us with their buyers' deals;- average closing times of 21 calendar days from submission of complete requirements;- competitive interest rates and fees that make each deal more affordable to our clients, not to mention, some lender credits we provide; and,- our resourcefulness to always "find the best mortgage solution" making each loan file approvable under lending guidelines - government, conventional, jumbo, VA or whatever program may be applicable.
  • Georgetown Mortgage Llc
    Branch Manager
    Georgetown Mortgage Llc Jan 2015 - Oct 2015
    - Manage the daily operations and administrative requirements of the branch office including recruiting, training and coaching Loan Officers- Build, implement and monitor business plans and the roadmap to achieving set production goals- Ensure that all rules and regulations are followed and business strategies are aligned to the overall vision and mission of the organizaton- Take an active role and consistently support local community projects- Constantly promote the company's brand equity through events that will help homebuyers get informed decisions about fulfilling their financial goals.
  • Banc Of California
    Sales Manager
    Banc Of California Nov 2013 - Jan 2014
    Los Angeles, California, Us
    - Packages home loan solutions to prospective and existing homeowners ensuring that these loan programs meet their needs, expectations and financial goals- Develops relationships with business referral partners with the end in view of soliciting continuous flow of loan application leads- Develops, implements and manages business and marketing plans - Prepares business presentations to realtors, corporate housing and marketing servicing partners and maintains and enhances relationships with them- Manages customer databases for prospecting and referral source purposes- Maintains rapport with processing, operations and other units within the organization to ensure smooth funding of loans and provision of after-sale service to customers- Manages a Mortgage Advisor Assistant and develops and maintains a good working relationship to achieve team goals and objectives
  • Wall Financial Inc.
    Senior Loan Officer
    Wall Financial Inc. Aug 2011 - Oct 2013
    - Home loan packaging- Team recruiting and management- Involvement in loan processing and funding and maintenance of relationship with back-office support people- Business and marketing planning and development
  • First Mortgage Corporation
    Sales Manager
    First Mortgage Corporation Feb 2011 - Jul 2011
    - Home loan packaging- Customer database management for targeting and referral source purposes- Development and management of relationships with business referral partners- Development and management of marketing and business plans
  • Prime Lending
    Production Manager/Loan Officer
    Prime Lending Nov 2009 - Jan 2011
    - Home loan packaging- Customer database management for targeting and referral source purposes- Development and management of relationships with business referral partners- Development and management of marketing and business plans
  • Chase Home Loans
    Home Loan Consultant
    Chase Home Loans Mar 2008 - Jul 2009
    - Home loan packaging- Customer database management for targeting and referral source purposes- Development and management of relationships with business referral partners- Development and management of marketing and business plans
  • Countrywide Home Loans
    Sales Manager
    Countrywide Home Loans Dec 2006 - Feb 2008
    Charlotte, Nc, Us
    - Home loan packaging- Management of a sales team and a branch overseeing their origination functions are effectively met as well as administrative requirements of the branch are met- Customer database management for targeting and referral source purposes- Development and management of relationships with business referral partners- Development and management of marketing and business plans
  • First Magnus / Charter Funding
    Sr. Loan Officer
    First Magnus / Charter Funding Oct 2005 - Dec 2006
    - Home loan packaging- Development and management of relationship with mortgage brokers ensuring competency in their respective loan programs for smooth submission of home loan applications- Customer database management for targeting and referral source purposes- Development and management of relationships with business referral partners- Development and management of marketing and business plans
  • Countrywide Home Loans
    External Home Loan Consultant
    Countrywide Home Loans May 2004 - Oct 2005
    Charlotte, Nc, Us
    - Home loan packaging- Customer database management for targeting and referral source purposes- Development and management of relationships with business referral partners- Development and management of marketing and business plans
  • Indymac Bank
    Loan Consultant
    Indymac Bank Oct 2003 - May 2004
    Us
    - Home loan packaging- Customer database management for targeting and referral source purposes- Development and management of relationships with business referral partners- Development and management of marketing and business plans
  • Metropolitan Bank & Trust Company
    Assistant Vice President
    Metropolitan Bank & Trust Company Aug 1997 - Jan 2003
    Makati, Metro Manila, Ph
    • Determining directions, processes and guidelines for conceptualization of innovative product offerings aligned with organizational vision and mission statements.• Spearheading electronic banking services, i.e. ATM, Phone Banking, Internet Banking and Mobile Banking. • Steering directions for the merger of Metropolitan Bank and Trust Company and Solid Bank of the Philippines in the area of product integration and strategic management.• Providing policy guidance for product development teams/committees.• Orchestrating marketing efforts of bank units.• Facilitating development of marketing programs, including design and conduct of product/sales briefings, for all products/projects.• Management of internal and external launch of products in coordination with the other groups/units.• Ensuring appropriate marketing and operational support aid for sales and delivery channels.• Conducting periodic product performance reviews.• Implementing enhancements needed to stay ahead of competition.• Delivering updates to management of product performance and other relevant financial analyses/forecasts.• Managing and controlling all capital and operating expenses of each product against approved budgets.

Agnes Santos Skills

Loan Origination Mortgage Lending Loans Investment Properties Fha First Time Home Buyers Credit Mortgage Banking Refinance Real Estate Residential Mortgages Reo Mortgage Marketing Certified Mortgage Planning Finance Real Estate Transactions Construction Loans Referrals Residential Homes Real Estate Financing Investors Consumer Lending Fha Financing Government Loans Single Family Homes Credit Analysis Va Loans Hud Real Estate Economics Funding Underwriting Home Equity Loans Non Conforming Home Equity Lines Of Credit Rates Working With Investors Working With First Time Home Buyers U.s. Federal Housing Authority Real Estate Owned U.s. Fha Financing

Agnes Santos Education Details

  • University Of Southern California
    University Of Southern California
    Elementary Education And Teaching
  • Argosy University Los Angeles
    Argosy University Los Angeles
    Business Administration (Marketing)
  • Asian Institute Of Management
    Asian Institute Of Management
    Marketing
  • University Of Santo Tomas
    University Of Santo Tomas
    Commerce; Economics
  • Paco Catholic School
    Paco Catholic School
    High School/Secondary Diplomas And Certificates

Frequently Asked Questions about Agnes Santos

What company does Agnes Santos work for?

Agnes Santos works for Loan Factory, Inc.

What is Agnes Santos's role at the current company?

Agnes Santos's current role is Loan Officer.

What is Agnes Santos's email address?

Agnes Santos's email address is ag****@****age.com

What is Agnes Santos's direct phone number?

Agnes Santos's direct phone number is +162673*****

What schools did Agnes Santos attend?

Agnes Santos attended University Of Southern California, Argosy University Los Angeles, Asian Institute Of Management, University Of Santo Tomas, Paco Catholic School.

What skills is Agnes Santos known for?

Agnes Santos has skills like Loan Origination, Mortgage Lending, Loans, Investment Properties, Fha, First Time Home Buyers, Credit, Mortgage Banking, Refinance, Real Estate, Residential Mortgages, Reo.

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