Hi 👋 my name is Katrene
I began my mortgage career in underwriting for one of the largest wholesalers in the country during Covid. From there, I learned a lot about the industry and how it works. (Trust me, there’s a of moving parts to know).
Once the housing market slowed down and rates went up, I was laid off from underwriting. I knew I wanted to stay in mortgages to help people get in their homes and save them a lot of money doing it. Thats when I decided to become a loan officer. I spent the next few months studying in order to pass an incredibily hard exam and became licensed in 4 states as a loan officer. I am able to help people purchase their homes in Michigan, Florida, Texas, and California.
Who I Am
Now, I am dedicated to helping people secure the not only best possible pricing, but catering to each unique situation.
I provide my clients with the assurance that they are receiving the best option. As your Mortgage Loan Officer, I will be your point of contact for getting you your home loan. I will do everything that I can to explain and walk you through the home loan process and make it as simple and easy for you.
Many may not know what a loan officer does and how then can help you. I am an independent MLO (Mortgage Loan Originator/Broker) sponsored by Partners Mortgage. I am here to shop for the best possible loan solution for you! I DON'T work for a lender, I work for YOU.
I am able to shop from hundreds of lenders. By doing so, I can find the best rates, loan terms, and even sometimes credit offers to my clients. Throughout the whole process, I will be your point of contact guiding you through your home loan.
Why Choose Me?
A Mortgage Loan Officer is a Licensed Mortgage Professional who provides financing services like arranging mortgage financing for you, under a licensed mortgage brokerage firm. To become a Licensed Mortgage Loan Officer you must pass the National Multi State Licensing System (NMLS) exam and successfully pass a Government Background check.
The NMLS test has a 54% pass rate and can be described as challenging, even for those who have worked as loan officers for banks, and this is on purpose. Due to the financial responsibilities of mortgage loan officers, the exam serves to ensure MLOs are prepared for these duties and are held to high industry standards.
What’s a Loan Officer?
My mortgage license must be sponsored by a mortgage brokerage who is licensed to operate in that state. The mortgage brokerage firm handles the back end legal filings, paperwork with the state, federal government and other duties. Partners Mortgage provides access to over 140 different lending institutions so that I can provide you with the best loan and rate that you qualify for.
What’s Partners Mortgage?
Working with me will benefit you in many ways. As a loan officer I will be your direct contact throughout your home buying prices. You won’t have to worry about regularly contacting all the people involved in the mortgage loan process (and there's a lot). Such as the underwriter, title company, and others. This will relieve a lot of stress on your plate and keep you feeling confident in the process.
Loan officers are knowledgeable about all of the various types of loans offered by the financial institutions can advise you on the best options for your needs. They also must have a comprehensive knowledge of lending products, banking industry rules and regulations, and the required documentation for obtaining a loan. Your loan officer is responsible for the initial screening process by factoring in your annual income, credit score, and debt-to-income ratio.
Lastly, I will help you negotiate the best mortgage program terms. My job is to answer questions about different types of mortgages and explain why my recommendation is a good fit for you.
The mortgage application process can feel overwhelming, especially for the first-time homebuyer. As your loan officer, I will be on your side making sure you are set up for financial success in your future. I'm here to help you purchase your dream home and get you through the mortgage process with ease. Whether it’s a first home, a vacation home or an investment property, you can count on having someone on your side.