Ronnie L. Esparza

Senior Mortgage Loan Officer - Nmls @Premier Mortgage Resources, LLC

Salinas, CA, US

Premier Mortgage Resources (PMR) has been helping customers achieve the dream of homeownership since 1991. With 50 licensed locations west of the Mississippi and staffed by over 300 loan officers, PMR is a privately held mortgage bank that underwrites directly to agency guidelines. We offer a full menu of mortgage products and are delegated to underwrite conventional, FHA, VA, USDA, and several state bond programs. In addition, we have a full Reverse Mortgage Banking division as well as many Jumbo outlets- Sell loan products and meet loan production targets- Perform business development tasks, including managing the pipeline by generating leads and referral business, and maintaining relationships with existing and past clients- Meet and communicate with applicants to explain the risks and benefits, as well as the terms of loan products and government regulations- Obtain relevant information and evaluate applicants\' financial status, including credit history, debt-to-income ratio, and appraisal reports, to determine recommendation for loan approval- Ensure all necessary information and documentation is submitted to the loan underwriting department, and is recorded properly in electronic file format- Represent the employer at community events and host seminars- Maintain current knowledge of all applicable lending regulations, the economy, market rates, vendors, and competitors- Consistently deliver first-class customer service

Alisal High School

General Education

Executive Programs Real Estate School

Real Estate License, Real Estate