Groves Capital specializes in expedited loan funding and smart financing solutions tailored for purchasing, refinancing, or developing properties for business use. We offer the most competitive terms on Commercial Multifamily, Office, Storage, Retail, and Industrial. What makes us unique is we have the ability to structure deals utilizing our relationships with 10 Banks, 22 Life Companies, and a handful of small pension funds to ensure that you receive the most competitive terms.We only offer "fixed" rates with fixed terms. No balloons, and no floating rates. No income verification, and no tax returns!

Interview buyers for Cal Atlantic Homes (Formerly Ryland and Standard Pacific Homes) and complete the pre-approval process. Once buyers are pre-approved and a purchase agreement is initiated, ensure that buyers are captured and closed on time while demonstrating the highest level of customer service.• Received Presidents Club Award for 2017 for total loans closed (198) and customer service.• Manage a pipeline of 90 - 100 loans monthly.• Fastest turn time regarding receipt of requested documentation (Pending docs).• Close an average of 18 - 20 loans per month.• Assist Sales Counselors and Production Managers by providing updates on their buyer’s status weekly as well as in builder backlog meetings.• Receive 10 out of 10 scores on customer surveys.• Assist with training new loan originators.• Possess NMLS State and Federal mortgage licenses.

Possess in depth Underwriting experience and able to review and determine income from W2 and self-employed borrowers tax returns, W2’s, paystubs, 1099’s and rental income while averaging 1 to 1.5 applications daily and 3.5 to 4 million monthly sales production.• Make over 100 outbound calls daily to clients from Bankrate.com and Zillow.com which are company provided leads.• Offer HARP, FHA, VA, Conforming, Conforming High Balance, Non-Conforming Jumbo and USDA loan programs.• Specialize in Refinance and Purchase transactions. Utilize Encompass, Mortech and Leads 360 on a daily basis.• Personally recognized by clients on Zillow.com and Bankrate.com regarding my level of customer service and availability. • Federally licensed with NMLS but also hold over 30 individual state licenses.

• Average 1 to 1.5 loan applications per day.• Average between 3.0 and 3.5 million in fundings per month.• Average between 15 – 19 fundings per month.• Solicit potential clients from Lending Tree, Bankrate.com and Zillow.com leads that are company provided.• Ranked #2 in the company for Fundings in August 2013 with 17.• Offer a wide range of products and programs including HARP, FHA, VA, Conforming, Conforming High Balance, Non-Conforming Jumbo and USDA. • Licensed in the following states: TN, AL, NM, WY, MA, GA, RI, IN, MD, MI, NJ, NC, PA, RI, TX, VA, and WA. • Specialize in Refinance and Purchase transactions. Utilize Encompass, Mortech and Leads 360 on a daily basis.

Branch Manager Charlotte, NC 2011 – 2013Underwriter Sunrise, FL 2010 – 2011Loan Originator (Centralized Sales Call Center - $30M sales / year) Sunrise, FL 2007 - 2010 • Responsible for a team of 10 associates and ensure that we accomplish our objectives and service level agreements within the timeframe allotted.• Promoted to “Officer” within one year.• Created tools to assist the team with any issues regarding guidelines, contact templates, and escalations.• Share best practices with other managers and teams to promote teamwork across the FHLMC and FNMA segment. • Possess extensive knowledge of investor guidelines including FHA, VA and Conventional guidelines. Verified corporate and personal tax returns including all schedules for both self-employed and non-self-employed borrowers, paystubs, W2’s, 1099 forms and award letters.• Detail-oriented and possess strong credit review and analytical skills including reviewing for disputes, social security number verification, fraud identification and trade lines.• Reviewed DU and LP findings for accuracy and approval. Verified assets required to close, gift funds and pooled funds. Verified appraisals to ensure collateral is in acceptable condition • Averaged over 20 inbound calls per day and remained in compliance with daily call metrics, and exceeded daily average of 2 to 3 locks per day.• Provided excellent customer service by responding to customer questions and voicemails promptly.• Funded 5.2 million in my 2nd month with Bank of America (Sunrise Record).• Top Producer for the Sunrise site in 2008 with 32 million in fundings for the year.• Top Producer for Branch 3255 in 2008 for the month of December.• Top Producer for Branch 3255 in 2009 for the month of February.

Mortgage consultant for homeowners looking to refinance or purchase a home.Promoted from sales assistant to mortgage consultant in 5 months. Made Presidents Club in my first year as a mortgage consultant. Averaged 8 to 10 million in closings per month.