Today we’d like to introduce you to Jennifer Ramos.
Hi Jennifer, it’s an honor to have you on the platform. Thanks for taking the time to share your story with us – to start maybe you can share some of your backstories with our readers.
I first entered the mortgage industry at 19 years old. I was a receptionist for a mortgage company and had no idea that I would end up becoming a Loan Officer. At the time, I was attending Houston Community College and would soon transfer to the University of Houston. I got my degree in Psychology, with the intention of pursuing a career as a School Psychologist or Family Therapist.
I had a few different jobs along the way, but I always ended up in the mortgage industry. I took that as a sign from God, lol, and decided to figure out how I could advance to take things to the next level. I have always been a self-starter, so when I learned that I could get my RMLO license to become a Loan Officer, that’s when things began to fall into place.
My next role was as a Loan Partner. I worked on a team and quickly learned the ins and outs of being a Loan Officer – the responsibilities, expectations and consistency required to do well in this industry.
I quickly realized that I wanted to bet on myself and branch out on my own as a Loan Officer.
I am very passionate about helping people achieve homeownership. I’ve worked with all types of buyers, but first-time homebuyers pull on my heartstrings a little bit more! Owning a home creates an opportunity for generational wealth.
Alright, so let’s dig a little deeper into the story – has it been an easy path overall and if not, what were the challenges you’ve had to overcome?
It’s been an interesting journey – specifically in 2020 and 2021. After COVID, I wasn’t sure what to expect. A lot was happening and I was worried that homebuyers would put the process on hold. It was quite the opposite – the saving grace were the low-interest rates at that time. People still needed a place to live – those who were mortgage ready saw the benefit of purchasing during the pandemic.
Stepping into a sales role where you are responsible for your success (or lack thereof) can be a little intimidating at first. I had to give myself a pep talk and remind myself of the value that I bring, the expertise I have, and my approach to how I work with homebuyers and referral partners.
Alright, so let’s switch gears a bit and talk business. What should we know about your work?
I am a Loan Officer with Texas Capital Lending on my own team. I help homebuyers get approved for a home loan and achieve homeownership. I work with Realtors to help their buyers get mortgage ready. Referral partners can be in different industries and networks – homebuyers can be everywhere! This is why I am very big on networking and nurturing the existing relationships you already have. My goal is to be a resource when people think of buying a home.
I like to think that my Psychology degree has helped me a lot more than I expected when it comes to being a Loan Officer. People communicate and receive information differently. Therefore, it’s very important to listen and pay attention to what your client is trying to communicate or what they’re not saying – homebuying can be overwhelming and a bit intrusive. Some people are nervous, anxious, and sometimes hesitant to look into starting the home-buying process.
My approach is – let’s see where you stand. If homebuying is a goal, my job is to get your mortgage ready. Whether that is now or later – it’s definitely possible. The steps are simple. I encourage people to come into this homebuying experience with an open mind. Oftentimes, finances and credit can be sensitive subjects. It’s all about your mindset – this is what I feel sets me apart. I am not only getting your mortgage ready, but I am also advising you on how to make your current situation better.
I want people to feel comfortable, secure, and at peace when they work with me. I provide transparency throughout the home buying process – but in a way, people can digest comfortably. Sometimes there are hurdles to overcome when buying a home. Once I am aware of this hurdle, I immediately go into problem-solving mode. I focus on the solution.
Can you talk to us about how you think about risk?
Up until a few months ago, I almost always played it safe. I had been on a Loan Officer team for a few years, but I decided to take a leap and bet on myself. It was time for me to pick up where I left off and change my strategy – in hopes to find success and begin forming my own team.
Risk-taking isn’t the most attractive. I can personally say that I am the type of person that needs ALL the details of something before I decide it’s the right move for me. I hardly ever take a risk because my thinking used to be – what if it doesn’t work out? That is a valid concern, but now I’m learning to re-program my brain. What if it does work out? What if I am successful? What if this is opening the door to something greater? You won’t know until you try. If it doesn’t work out, it is ok! It’s not the end of the world – there’s a lesson to be learned in every situation.
I have Jay Shetty and Mel Robbins to thank for my recent perspective on risk-taking. They have both taught me (and I continue to learn) that you have to believe in yourself, do the work, and figure out your WHY. Risk-taking is needed to light that fire under you, so you can make room for opportunities.
Contact Info:
- Website: https://myloan.interlincmortgage.com/borrower/signup/jramos@txcapital.net
- Instagram: @JenYourLO
- Facebook: https://www.facebook.com/JenYourLO/
- Linkedin: https://www.linkedin.com/in/jenyourlo/
Image Credits:
Gala Bethany Studio
