Sylvia M. Gutiérrez

Mortgage Professional  /  Originator  /  Author  /  Advocate  /  Strategist
Speaker  /  Educator  /  Storyteller  /  Believer


I am a licensed mortgage loan originator (aka loan officer) in the State of Florida and am registered nationally with the National Mortgage Licensing System & Registry (NMLS) id 372427. Since 1993, I have assisted thousands of families with financing their home.  I love to make the mortgage process as smooth as possible by translating dense technical or legal subject matter into simple language and get people excited about homeownership.

As a top producing mortgage banker and broker, I’ve seen my clients through various market cycles and sweeping regulatory changes.  In my tenure, I’ve managed to identify key factors whose implementation have demonstrated an expedited process for decisioning loan applications.

I am passionate about the Client Experience.  I advocate for the consumer and I advocate for my profession.

With rumblings of a general dissatisfaction in the marketplace arising from “lenders issuing too many requests for additional documents (or the same documents) throughout a lengthy decisioning process”,  I’ve chosen to share the techniques utilized with my borrowers to better prepare for a successful application process. In my release titled, Mortgage Matters: Demystifying the Loan Approval Maze, I am sharing my insight and offering a roadmap to support a better understanding of the mortgage loan approval process.

I hail from the great state of New York; village of Rockville Centre.  Born to Cuban immigrant parents, our family later transitioned to sunny and warm South Florida where I’ve since maintained my residence with my husband and two sons.  My sons are both University of Miami Hurricanes, but will always remain Belen Wolverines, at heart.  I have a Bachelor’s degree in Finance from Florida International University and currently serve as a director to the South Florida Chapter of the Mortgage Bankers Association and previously served on NAMB’s Diversity & Inclusion Committee, co-chairing the subcommittee on Fair Lending topics from 2014 through 2016.

I am not a lawyer, although my family, extended family, friends and colleagues sometimes seem to think that I am, as they often delegate  reading items longer than one paragraph and then add that I offer an opinion once I’ve read it.  Opinions, I have many.  The opinions I offer do not reflect the views of any associations, organizations or employer with whom I may be associated.  All expressions reflect my judgment as of the date of publication and I give myself full permission to change my mind.

Change is a constant in the Mortgage Industry.

Warmest Regards,

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