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 over 4,000 families with the loan application process and have been creating and delivering lending strategies since that time.  I love to make the mortgage process as smooth as possible by translating dense technical or legal subject matter into simple human language and get people excited about the possibility of homeownership.

As a top producing mortgage banker and broker, I’ve seen my clients through various market cycles and sweeping regulatory changes within the mortgage industry.  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 throughout the years with my borrowers to better prepare the public at large, for expedited loan decisioning. In my new release titled, Mortgage Matters: Demystifying the Loan Approval Maze, I am sharing the insight and strategies that I’ve learned throughout the years and am offering a roadmap to support people with 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 eldest is now a Hurricane, but along with his little brother, will always remain a Wolverine at heart.  I have a Bachelor’s degree in Finance from Florida International University and currently serve as a Board Member to the South Florida Chapter of the Mortgage Bankers Association and on NAMB’s Diversity & Inclusion Committee, co-chairing the subcommittee on Fair Lending topics.

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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