HomeXpress Mortgage Corp is a Top 3 Non-QM wholesale lender. We are unparalleled in our service. We are a full-service lender offering FHA, VA, Prime Jumbo, and Conventional loans. We have been servicing the mortgage market since 2015. We are experts at finding loan solutions for those unable to qualify for traditional home financing. Our executive management team has a combined 150+ years of industry experience and we’ve earned the National Mortgage Professional Magazine’s Most Loved Employer in 2022. HomeXpress Mortgage also has a great company culture, tremendous growth opportunities, and competitive employee benefits. HomeXpress Mortgage Corp is affiliated with Seer Capital Management, a well-respected investment manager in New York, as the Company’s senior advisor and capital partner. At HomeXpress Mortgage Corp we value our broker partners. Our highly experienced Account Executives, Account Managers, and Operations Staff are carefully selected and trained to provide the HomeXpress Mortgage Corp standard of service. We care about our client’s experience with our company. Speed, Ease, and Convenience is our expectation of the service and commitment we provide. We are currently licensed in AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, LA, MD, ME, MI, MN, MT, NC, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA, and WI* HomeXpress Mortgage Corp. NMLS# 1446044. (https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1446044) Equal Housing Lender.

Lending ManagerDeveloped sales program with hiring of ISO’s. To increase our on the ground coverage. I was able to increase the volume of Real Estate deals. With a primary focus on commercial and residential finance business. And installed a preliminary Underwriting policy through training and development.

Developed and maintained positive business relationships with dealers through daily conversations and solicitations; providing exceptional customer service, effective and timely communications and responsiveness to all credit processing questions and inquiries while maintaining a high level of integrity. Communicate credit decisions to the dealer customer within the timeline prescribed. Conducted underwriting analysist of incoming auto loan file for credit decision.Work with the dealer representative to provide a deal structure that is acceptable to all parties to the deal.Established and tracked monthly purchase objectives for assigned dealers. Of which the market I was assigned. I increased loan penetration by 145%. I also assisted the funding team with the resolution of documentation issues.

Cultivated new relationships with local retail and auto businesses. While conducting Underwriting approvals within my $15,000 signing authority. Increased auto portfolio by 175% through effectively signing and maintaining auto dealerships. Partnered with Account Managers to maintain strong relationships with current retail businesses, handled complaints and trained business partners in company policies and procedures. Assigned duties to employees and frequently examine their work for accuracy, neatness, timeliness and maintaining efficiency by training employees and adjusting errors.Trained and developed employees with regard to current and new branch operations, company policies, procedures, and laws governing the consumer finance business. Reviewed the credit bureau and credit worthiness of the application while adhering to the stated turnaround time. Approved and close loans, as necessary. Worked with past-due customers by developing a plan for resolution. Delegated all collection activity daily and followed up to ensure completion. Processed insurance claims for customers. Maintained proper insurance claims records and reports.

Provided a consistent and exceptional customer experience that helped contribute to the attainment of branch customer satisfaction and loyalty targets. In addition to assisting customers in opening new account. I also maintained a strong focus on expanding the client. Base through home equity loans, auto loans, personal loans, and credit card opportunities

Responsible for the sales and origination of Reverse Mortgages within predetermined guidelines and rates set forth by the Bank and its investors. Advised customers on the advantages/disadvantages of the mortgage products. Developed and followed through with a business plan to market self to various business sources. Responded to customer's residential mortgage needs by analyzing their financial profile, identifying the appropriate mortgage program for them and ultimately originating their application for credit.

Managed and trained sales staff in charge on all aspects of the sales floor. Focused on customer satisfaction indexes. In both sales and repair. Raised customer satisfaction index from 43% to 96%.

Trained and developed employees with regard to current and new company policies, procedures, and laws governing the Mortgage Finance industry. Responsible for the sales and origination of family residential and commercial mortgages within predetermined guidelines and rates set forth by the Bank and its investors. Advised customer on the advantages/disadvantages of the mortgage products. Developed and followed through with a business plan to market self to various business sources. Responded to customer's residential/commercial mortgage needs by analyzing their financial profile, identifying the appropriate mortgage program for them and ultimately originating their application for credit. Reviewed and evaluated information on mortgage loan documentation to determine if borrower and/or property meet loan standards. Completed a thorough analysis of loan files to determine compliance with company, investor, and government guidelines and standards. Evaluated the entire credit package and collateral for residential mortgage loans and ultimately ensure an "investor" quality loan product. Analyze financial data including personal tax returns; pay stub, W-2’s, pension/award letters, business tax returns, K-1’s, personal financial statement and home owner’s insurance. Review appraisals/title work as required.