Sylvia M. Gutiérrez

PRESS BIO

Sylvia M. Gutiérrez is a Mortgage Professional who began her career in mortgage banking in 1993. In her extensive career, she has been a leader in her industry originating for one of the Big Three – a mid-size bank, a community bank, and a mortgage banker – and having engaged as a mortgage broker. These experiences have provided a wealth of knowledge and a breadth of understanding for each avenue a borrower can take in seeking a mortgage loan, and has lead to her current activism in advocating financial literacy to the masses.

She advocates for financial literacy among all consumers, particularly for the immigrant community who arrives in the US with no real knowledge of credit systems. While there are many resources available in the market for mortgage education, until now, none has been written to offer an adequate explanation of loan approval requirements, to effectively prepare the consumer for making loan application or to have a complete understanding of timeline expectations throughout the process.

The financial crisis turned the mortgage industry on its heels. The negative attention created a swarm of commentary – some true and some completely false – that impacted the decisioning of whether homeownership was a stable investment and whether it would ever again be the quickest way to build wealth. Recovery has been a long time coming and the industry is now moving from stability towards growth. Sylvia feels strongly that homeownership is still the number one way to build wealth.

Millennial’s are the next generation of homeowners. They witnessed the stress, fear, and anxiety experienced by their parents through job loss, declines in home valuations and wealth erosion when equity dissipated. They are naturally apprehensive about homeownership and mortgage application. Homeownership requires accountability and responsibility; it isn’t something to be stepped into lightly. With proper education on financial literacy, this group will lead the way towards continuous sustained growth and recovery.

Interest rates remain historically low, and yet homeownership rates are falling in every segment of America due to an increased regulatory environment and credit tightening by lenders. All eyes have a single-minded focus on preventing a recurrence of the mortgage market meltdown. The new housing crisis of 2015 and beyond, will not be due to poor lending practices, but to the inability to obtain credit. Mortgage Matters: Demystifying the Loan Approval Maze makes the complex understandable. Sylvia provides the necessary insight that will make the mortgage application process less intimidating and less daunting, as she provides the reader with the tools for faster decisioning of loan requests and sets proper expectations.

Hometown: Rockville Centre, New York

Current Residence: Miami, Florida

High School: Southwest Miami Senior High

College: Florida International University

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