Tony Gallegos - The Mortgage Cicerone FHA /VA Training Solutions

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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 www.cognicorp.com. 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.
RECENT BLOG POSTS
"Customers don't make up stories about your business. It is you who creates them - the customer simply retells them. How the story is told and what the content is, is up to you." -- Jeffrey Gitomer"The twin killers of success are impatience and greed."  --  Jim Rohn"There is more treasure in book...
06/10/2007
Came across a great article regarding Affinity Marketing at one of my favorite sites; Top Producer Strategies.Affinity marketing  simply means forming mutually beneficial business relationships and the continuing process of  nurturing and growing the referral trees that stem from them. Affinity m...
06/10/2007
The following are financing options available within the FHA loan programs recently highlighted:30 Year fixed rate mortgage - 203b and 234c 15 Year fixed rate mortgage - 203b and 234c 1 Year ARM - 251 1.75, 2.00. 2.25 and 2.50 margins 1% annual and 5% lifetime caps SFR only (1-4 units) 30 Year te...
06/10/2007
In past months, I've highlighted Superstar originator Mike Grace from Athens, Georgia. In those posts, we addressed what Mike was doing to maintain his production in a down market. Last week while reviewing past postings, I re-read the two about Mike and immediately thought it would be a great ti...
06/07/2007
Last week I had the privilege of being interviewed by Jeff Chasin of Blogging For Mortgage Professionals. Jeff heralds from the Atlanta area (where I also happen to live) and is a top wholesale AE for a large national mortgage banker. Jeff's blog site is focused on providing resources to mortgage...
06/04/2007
While we all agree our past clients represent our greatest asset for long term sustainability and income potential, often we take our past clients for granted. This short video clip (The Break-Up) is a powerful metaphor representing what happens far to often between loan originators and their pas...
06/03/2007
Loan Originators, do you have an automated system that consistently keeps your name and services in front of your clients and motivates them to:Come back to YOU for their refinance or purchase needs? Refer their family and friends to YOU for their refinance or purchase needs Turn satisfied custom...
06/03/2007
No doubt about it, we are definately in a Buyers Market!In today's current market environment, sellers are now willing to provide consessions to sell their properties. This sets up a perfect opportunity for you to contact your Builders/Realtors to promote seller paid buy-downs.This market reminds...
06/03/2007
I'm starting to see more of a dirty little secret not often discussed in the mortgage and real estate industry. It however is is starting to pop it's ugly head more than usual and I have a feeling our current market environment has something to do with that. I'm talking about "Pre-Approval Letter...
06/02/2007
The following are the most commonly used FHA loan programs along with their characteristics.There are multiple sections of "The FHA Act," these however are the primary programs most commonly utilized:203b (Regular)Most widely used section of the act Can be used for 1-4 unit properties, PUD's, man...
06/02/2007
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