Let Estrella Gañas be your “Personal Mortgage Professional”, to help you achieve your dreams. Estrella will be your personal advisor for all your mortgage needs no matter how complicated they may be. Purchasing, selling, refinancing, investing, or building your dream home, Estrella has the solution for you and will customize it to fit your needs or desires. Possessing more than 12 years of experience across Mortgage Loans, Underwriting, Origination and the various intricacies of the Loan Process, giving Estrella the knowledge and experience to help you through your loans, find the terms that are right for your budget, and make sure all the legalities are competently handled so that the closing goes smoothly and you can take possession of your new property or the peace of mind of your refinance security.Whether you’re a first-time home buyer, looking to trade up, deciding to downsize, investing in a fixer upper, lowering your mortgage payment, getting out of Mortgage Insurance, or simply wishing for a change by taking advantage of your equity for your essentials or goals, Estrella can help you before you ever make an offer on a property or find the advantages for a refinance. Estrella can sit down with you and look over your budget, income and savings, helping you get a clear picture of what type and amount of loan is realistic and beneficial. There are many factors to consider when getting a mortgage loan; interest rates are only one element of the complete package. Not limited to any one bank or financial institution, Estrella will help you consider all your options no matter how complex, tailored just for you, so you can concentrate on making the best decisions for you and your family.The financial aspects of home buying and mortgage processing can be stressful and overwhelming—but they don’t have to be, not with a Mortgage Professional like Estrella in your corner. Contact Estrella Gañas today and let’s get started making your dreams come true.

Floridians who are buying, selling, refinancing, or building your dream home, here is where you can get your dreams started, with "Your Personal Mortgage Professional" who is working for you… As your Personal Mortgage Professional, I have every financing option available to you, and will customize it based on your personal needs. Ensuring that you make the right choice for you and your family as my ultimate goal, and I am committed to providing you with mortgage services that exceed your expectations. I am here for you, no matter how big your project is, with your malleable persistence and determination, we will make your dreams come true.

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Mortgage Underwriter • Bank of America Jacksonville, FL • October 2012 to December 2018 • Specialized Asset, Non-asset, FHA, HFA, FNMA, FHLMC, VA, USDA and NACA loans under default or imminent default.• Maintained CRM relationships for obtaining new docs required for reviews.• Successfully closed average 30 loans per month.• Compiled database of loan applicants' credit histories, corporate financial statements & other financial info.• Recommended loan approvals/denials based on customer loan application reviews.**VOLUNTEER RESPONSIBILITIES** Associate Engagement Team Member • Bank of AmericaJune 2013 to June 2018• Represented Team Manager Charles Redden and Unit Manager Robin Young • Researched, created and implemented fundraising, team building, end of the year, birthday, anniversaries, holidays, award & disbursement plans.• Awarded 2015 Silver Award and 2014 Gold Award for "Winter Wonderland".Assistant Team Lead • Bank of AmericaJune 2013 to June 2018• Assisted Team Manager Marc Navarra (2013-2014) & Team Manager Charles Redden as needed (2016-2018).• Acting Manager while Manager was out of office. • Tracked daily activities for 10-12 UW. Monitored pass back QA, touches, re-assignment, title escalation, in/out file movements for efficiency & accuracy. • Created daily reports identifying high priority loans to effectively navigate Unit.Unit Special Projects/ Trainer • Bank of AmericaJanuary 2015 to June 2016• Represented Unit Manager Robin Young• Trained transferred UWs best practice.• Shadowed top UWs to evaluate process for best practice.Procedure & Policy Committee / Analyst • Bank of AmericaJune 2013 to June 2014• Represented Team Manager Marc Navarra and Unit Manager Tom Wiggins.• Reviewed updated P&P to interpret & communicate to unit.• Collaborated monthly unit newsletter "The P&P Source" w/ updates & vital info.• Awarded 2014 Silver Award for co-creating "Understanding Tax Return" class.

Imminent Default Modification Underwriter • JP Morgan Chase Bank Jacksonville, FL • March 2011 to April 2012 • Specialized Asset, Non-asset, FHA, FNMA & FHLMC Loans under intermittent default.• Counter-offered different product and/or program directly w/ investors.• Reviewed over 100 financial statements per day.• Successfully closed average 20 loans per month.• Compiled database loan applicants' credit histories, corporate financial statements & other financial information.• Recommended loan approvals and denials based on customer loan application reviews.• Complied with regulatory requirements.Relationship Manager/ Modification Counselor • JP Morgan Chase Bank Jacksonville, FL • September 2009 to March 2011 • Managed portfolio >40 loans w/ a net worth over millions of assets.• Expertise loan mod requirements per investor Assets, Non-Assets, FHA, FNMA & FHLMC.• Communicated regularly to customers w/ empathetic demeanor to understand needs, evaluate current products, offer solutions, set expectations and status.• Monitored trial payments, lengthy repayment plans and special forbearance by using multiple systems.• Educated customer steps required for decisions.• Successfully moved average 55 "all documents in" loans per month to UWs.Loan Consultant Associate • Washington Mutual Bank / JP Morgan Chase Bank Jacksonville, FL • March 2008 to September 2009 • Specialized HELOAN & HELOC loans.• Educating clients & current customers process, products, & prime rate to lock HELOCs.• Provided internal mods to existing customers w/ neg opt-arm loans.• Successfully closed average 30 loans per month.**VOLUNTEER RESPONSIBILITIES** Associate Engagement Team Member • JP Morgan Chase2008 to 2012• Represented Team Manager Robert Kline.• Researched, created & implemented fundraising, team building, end of the year, birthday, anniversaries, holidays, award & disbursement plans.

Mortgage Loan Officer • The Lending Center Jacksonville, FL • July 2006 to August 2007 • Received the Million Dollar Loan recognition for month May 2007, June 2007 and July 2007 and ranked # “2” May 2007.• Understood guidelines for prime or sub-prime loan.• Trusted advisor educating and communicating with clients understanding needs and offering best solutions with set expectations. • Created urgency for obtaining documents to validate income, assets, and debts.• Worked in call center using automated out-bound dialing system, with strict call session times, allowing contact to new prospective clients for either a refinance or purchase loan.• Interacted closely with management, processors and business clients until loan funded.• Scheduled appraisals, title and closer to complete the loan process.• Trained and guided new associates while meeting required monthly minimum.• Successfully closed average of 10 loans per month.• Organized End of the Year party.