Tony Gallegos - The Mortgage Cicerone FHA /VA Training Solutions

Mortgage and Lending - Cognicorp Mortgage Banking Advisory
Cicerone - cic•e•ro•ni (-nē) - A guide or person eloquent in sharing knowledge and inspiring impactful action Biography After 22 years of building, leading and managing large scale enterprise FHA/VA production entities, most recently as Vice-President and National Retail Government Production Risk Manager at Wells Fargo Home Mortgage (the nations #1 government lender), Tony Gallegos and his business partners started Cognicorp FHA/VA Training Solutions...thus providing rare but powerful evidence it is actually possible for an individual to re-emerge from the corporate collective, even after full assimilation has occurred. FHA / VA Training “Quite frankly, we have constructed a better way for mortgage bankers to train their staff quickly, effectively and affordably. This in turn allows our clients to increase and capture additional Federal Housing Administration (FHA) and Veterans Administration (VA) mortgage market share!” By utilizing our synoptic baseline training curriculums and conducting a comprehensive consultative analysis of your distinct credit overlays, standard-operating-practices (SOP’s) and technology system requirements, we will integrate an enterprise learning solution that harmonizes with your company’s business goals and objectives. This is done by providing: • Impactful knowledge transfer of FHA/VA skills to both individuals and corporate entities utilizing the latest advances in adult education (yes, adults learn differently) • Comprehensive access to scalable and cost-effective off–the-shelf enterprise FHA/VA training • Training and technology solutions customized to outcomes specific to your needs and objectives. Through consultation, integration and training, we empower your organization with the necessary and critical skills to make the right decisions and avoid the costly mistakes that occur when mortgage bankers don’t apply prudent government loan business operating practices. If you are interested in learning more about Cognicorp FHA/VA learning solutions, please call Tony Gallegos directly at (770) 627-2674 or visit our website at My Story In 1986, Tony began his mortgage banking career at the age of twenty-three. As a mortgage originator, he quickly reached the top one-percent of the industry (412 funded loans in one year) by the time he was twenty-nine. In 1989, Tony joined a start-up mortgage banking operation and over the next eleven years directed its growth to the point of funding in excess of $2 Billion dollars in mortgage production. Due to the success and remarkable growth, his operational, marketing and sales strategies were highlighted in both the Denver Post and Hispanic Business Magazine. In 2002, he accepted a position with Wells Fargo Home Mortgage. Tony quickly rose through the corporate ranks and was promoted on average every fourteen months. Subsequently he served in the capacity of Area Sales Manager, National Government Sales Product Manager and to his final position at as Vice-President and National Retail Government Production Risk Manager. As Vice-President and National Retail Government Production Risk Manager at Wells Fargo Home Mortage, Tony successfully managed the retail production risk and quality of FHA/VA production that exploded from $6 Billion in 2007 to an estimated $25 Billion in 2009. More amazingly, despite record breaking volume increases and a severe shortage of experienced government sales and fulfillment staff, key government quality metrics improved by over 50% during this period. As a consequence of the 417% growth in residential government loan volume, there was a need nationally to train en masse the Wells Fargo team in the intricacies of selling and fulfilling quality FHA/VA loan products. Thus, a critical component of this unprecedented growth involved extensive enterprise wide FHA/VA employee training/assessment and implementation of quality control measures in the origination, processing, underwriting, closing, post closing, insuring, regulatory compliance, loan delivery, servicing and loan administration of government loans. In addition, Tony has been intimately involved and worked directly with HUD, OTC and the Inspector General (IG) in regards to FHA/VA audits national in scope and scale. Tony currently lives in the Atlanta area with his four daughters and wife, is a University of Colorado alumnus and currently in the latter stages of completing his Masters Degree in Global Consumer Marketing at one of the world’s leading academic institutions.
For those of you unable to attend or listen, attached is the 12/1/2009 video webinar hosted by NAMB addressing three main areas of regulation and updates that mortgage brokers must be aware of and be prepared for 2010. The purpose of this particular NAMB / HUD webinar is to give mortgage brokers ...
Received information today directly from FHA Commissioner David Stevens about his speech last Friday concerning the FHA Reserve Fund. Actually, I should say the FHA Reserve FUND(S) (as in plural).    The big FHA news last week was the the five mortgagee letters released and Commissioner Stevens' ...
Without a doubt, this is the hardest post I have ever made. Compiling a list of my favorite bloggers was easy, the hard part was limiting the list to twenty. There are at least twenty other bloggers just as deserving and for them I truly meant no slight. However, I'm positive you will find this e...
2007 was definitely a tumultuous year for companies heavily vested in the mortgage industry. No major player escaped unscathed by the events and happenings of the mortgage secondary market. However, there were companies that navigated the troubled waters better than others. Why? In my humble opin...
Countrywide chairman Angelo Mozilo, the Vladimir Putin of mortgage banking is now the subject of further speculation or at least the company he leads is. Because of CFC's active involvement in sub prime lending over the last several years, it was targeted yesterday by Senator Chuck Schumer who ur...
In Harvey Mackay's book titled "Dig Your Well Before You Are Thirsty," he asks his readers:"Who Can You Call At 2:00 a.m.?"This question is one of the most critical and revealing questions one can ask themselves about their network of friends and business/personal acquaintances.To help understand...
Have you every taken the time to think of or write down the names of all the people you have known? When you you complete this exercise, the web of connections throughout your lifetime is wide. Yet, HOW MANY ARE STILL INVOLVED IN YOUR LIFE TODAY?Now ask yourself, HOW MANY HAVE FADED AWAY FOR ONE ...
Over the last few months, several friends and associates have asked me to consider writing a book about originating mortgage loans.  The more I pondered their request, the more I found it to be a challenge. Every skilled mortgage originator has their own ideas about what it takes to be a successf...
"As soon as you trust yourself, you will know how to live."  -- Goethe"One must be fond of people and and serving them if they plan on being successful long term in the mortgage or real estate profession." --  Dennis Geist"A man who doesn't trust himself can never really trust anyone else."  --  ...
I love searching and discovering powerful phrases, quotes and words of wisdom that inspire action and provide insight to making myself a better person. Below are quotes from individuals that hopefully inspire you as much as they do me.  "Do not wait for leaders. Do it alone, person to person." --...

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