Reagan Rains Email & Phone Number

Austin, Texas, United States

• Secured funding for mortgage financing by leveraging relationships with diverse investors.• Negotiated best available rates for clients, resulting in significant cost savings.• Conducted thorough market research to stay updated on industry trends and products.

Austin, Texas, United States

Hired by Wells Fargo Home Mortgage to pre-qualify, consult, and originate home loans, contributing to its position as the second largest retail mortgage originator in the United States.Managed a cross-functional team of internal fulfilment (processing, underwriting, closing), real estate agents, title company, appraiser, etc. to execute timely residential mortgage loan purchase and refinance transactions. Consistently received 100% Net Promoter Scores for customer experience satisfaction surveys.Implementation and facilitation of Partner Plans for Branches: Monthly Profit & Loss Reviews with branch managers, designed to increase mortgage retention with existing customers. Identification and conversion of new opportunities across Wells Fargo Premier Banking, Business Banking and Wells Fargo Advisors,resulting in 20% increase in branch-level closed transactions.Maintained and communicated a broad platform of Wells Fargo marketing items to educate and create awareness of Wells Fargo Home Mortgage products and services to customers and vendors.Evaluated the Treasury bond markets for optimal mortgage interest rate pricing, resulting in increased transactional cost saving for customers.Ensured compliance with all relevant anti-money laundering and know-your-customer regulations to maintain the financial integrity of the organization.Expanded and maintained comprehensive knowledge of underwriting requirements for conventional, FHA, VA and Jumbo loans, ensuring accurate loan processing and compliance with lender guidelines.

Austin, Texas Area

Hired by Southside Bank (Southside Bancshares, Inc.), headquartered in Tyler, TX with over $8.35 billion in assets, for residential loan origination.Managed a cross-functional team of internal fulfilment (processing, underwriting, closing), real estate agents, title company, appraiser, etc. to execute timely residential mortgage loan purchase and refinance transactions.Managed end-to-end financing project lifecycle for One Time Close Construction Loans for residential projects budgeted from $300k to $3 million. Reporting directly to the CFO, conducted financial reviews, including modelling, cash-flow analysis, and forecasting, for builder candidates in the Approved Builder Program for One-Time Close Construction projects. Supervised contractor draws during construction phase. Upon project completion, modified interest-only construction to permanent loan servicing.

Austin, Texas Area

Rejoined Nations Reliable Lending, LLC (NRL Mortgage) to originate residential refinance loans for the Austin and broader Texas market.Multi-level support over all facets of the residential loan process for The Will Moore Team.

6Th Street

Hired by PrimeLending (a subsidiary of Hilltop Holding, Inc), a national residential mortgage originator providing home loans, home renovation loans and refinancing.Team Loan Originator for The Zander Blunt Team (continuously named Austin Business Journal’s Top 25 Originators in Austin)Lead management/conversion/tracking. Managed all aspects of The Blunt Team database via Salesforce.Prepared Loan Analysis Worksheets, Mortgage Coach Presentations and rate pricing for clients.

Hired by Sente Mortgage, a financial services company focusing on residential home loans.Lead Production Partner for the Josh Brown Team, Mortgage Banker (continuously named Austin Business Journal’s Top 25 Originators in Austin).Managed all aspects of the customer database system for the Josh Brown Team via Encompass.Prepared Loan Analysis Worksheets and counselled clients on loan/rate options.

Austin, Texas, United States

Hired by Nations Reliable Lending, LLC (NRL Mortgage) to originate residential refinance loans for the Austin and broader Texas market.Maintained excellent customer service standards with client, title and realtor and cultivation of post-closing client relations.