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Chris LaRose

Mananging Mortgage Consultant, WestStar Mortgage
Northern Virginia

Professional Summary

I am truly passionate about helping my clients find the mortgage best suited for their needs. The result is that a majority of my business is referred from satisfied clients, trusted financial advisors and the most experienced Realtors on the East Coast. My mission is to carefully guide clients through the entire loan process, so they feel confident as they make choices about the many options available for their financing strategy. I have a wide range of experience dating back to 2000, including the lending wholesale industry, which has given me an invaluable perspective. Because of this background, I am dedicated to providing a stress-free, enjoyable experience for every client, from start to finish.
Mortgage Interest Rates are at an all time low making this a perfect time for 1st x home buyers, current home owners, and investors alike. For a free, no obligation consultation, please email your contact information and the best time to reach you.

Chris@WestStarMortgage.com

Contact Info

Email
(work)
Phone
(703) 786-8919 (work mobile)
(703) 497-3916 (work)
(703) 497-3916 (work fax)
Address
3350 Commission Court
Woodbridge, VA 22192
(work)

Work/Education

Work Experience

WestStar Mortgage / Managing Mortgage Consultant
2009 - Present
Assist individuals and investors with purchase, rate/term, and cash out transactions by utilizing various residential mortgage programs. Offer recommendations to customers regarding best type of loans based on individual needs; explain loan requirements and restrictions. Analyze financial status, credit, and property evaluations to determine feasibility of loan approvals.
Cogent Communications / Regional Account Manager
2007 - 2008
Managed business development activities; prospected and secured new sales, and maintained existing clients. Established strategic sales plans focused on enhancing account base and improving revenue; monitored and traced sales metrics. Sold various technology products including T1, T3, OC, FE, GigE circuits and routers. Performed cold calling activities, 50-80 per day; researched and identified key decision makers. Developed and delivered informational presentations; relayed overall value of product offerings.
Key Achievements:
• Closed business on a consistent basis; secured first deal within 1st month, achieved 633% of quota within 2nd month of employment, and surpassed 2007 4th quarter sales goals.
• Served as mentor to new personnel; offered guidance regarding sales strategies, computer program operations, and cold calling techniques.
• Selected to speak as representative of the Inside North Central Team during the 2008 Sales Kickoff; addressed more than 400 attendees comprised of employees, investors, and partners.
• Successfully completed an intensive Sales Kickoff training course detailing all aspects of the Internet.
• Recipient of Cogent Communications Sales Excellence Award in recognition of attaining Top Performer ranking for the North Central Territory.
Capital Quest Mortgage / Product Manager
2006 - 2007
Managed account base and originated loans during this short-term engagement; accountable for pricing and program placement of all loans submitted. Developed submission sheets and product matrices in an effort to aid sale personnel. Drove sales by presenting investor product training to loan officers.
Key Achievements:
• Actively participated in recruiting new loan officers and account executives; implemented recruiting strategies that effectively identified and attracted talented candidates.
• Analyzed more than 30 investors and related product offerings in order to maximize retail loan volume.
WestStar Mortgage / Sr. Account Executive
2003 - 2007
Established and secured multi-state lender licensing in order to promote wholesale product offerings nationwide. Networked and performed both in-person and cold calling activities to gain new accounts. Delivered product presentations and interacted with existing and potential clients to define specific needs. Managed corporate retail volume originated and funded in-house. Provided guidance to sales force regarding available in-house programs, which reduced outsourcing of loans to competing lenders. Key Achievements:
• Implemented a consultative sales approach that drove sales growth; constantly closed $3M+ each month.
• Built account base and opened new accounts to consistently meet sales objectives; mastered the technique of strategically identifying, marketing, and building relationships with business-to-business clients.
• Instrumental in increasing retail loan volume by providing program training and building collaborative relationships with internal loan officers.
Linx Funding / Account Executive
2000 - 2003
Managed, serviced, and established long-term relationships with more than 250 mortgage brokers nationwide. Communicated extensively with clients to explain loan offerings; acquired information, prepared loan request documents, and relayed terms. Aggressively prospected for new business opportunities; established repeat business and conducted daily research for new clientele.
Key Achievements:
• Improved productivity of sales team by developing correspondent tracking logs and sales presentations.
• Delivered comprehensive training to mortgage brokers regarding the utilization of company programs to maximize volume and pull-through ratios.
• Prepared bulk files for bidding investors while serving as a Post Closer/ Closer Trainee in 2000-2001.
Pacific Guarantee Mortgage / Sr. Loan Officer
2001 - 2002
Promoted and sold various residential mortgages. Offered recommendations to customers regarding best type of loans based on individual needs; explained loan requirements and restrictions. Analyzed financial status, credit, and property evaluations to determine feasibility of mortgage loan approvals.

Key Achievements:
• Consistently maintained a high degree of accuracy related to processing; specialized in the sale of 125% equity loan refinances and purchase contracts.
• Secured long-term relationships with lenders, which facilitated faster closing times.

Education

Small Business Management, 2001
View All Public stream

Chris LaRose posted a blog entry 20 hours ago

Short Term Direction of Mortgage Rates Dependent Upon Auctions and Stocks

Who Dat!!!! Congratulations to New Orleans on a well played and exciting Super Bowl victory. Mortgage rate moved a few basis points lower on Friday following the Employment Situation Report . While we have seen scattered day over day streaks of improvements, mortgages rates have failed to fall lower... more »

Chris LaRose posted a blog entry 3 days ago

How Did The Employment Report Affect Mortgage Rates?

Mortgage rates improved a few basis points yesterday as panic set in on Wall Street. Headline news called attention to a developing crisis of confidence in the European Union where Greece, Spain, and Portugal all face ballooning budget deficits and rising government borrowing costs. Fear caused a... more »

Chris LaRose posted a blog entry Feb 4, 2010

Lenders Improve Mortgage Rates as Stocks Panic. Locking Ahead of Employment Report

Mortgage rates extended their streak of moving sideways near the most aggressive levels of the year yesterday. Although prices of mortgage backed securities were moderately weaker at the end of the day, lenders were not forced to reprice for the worse, leaving rates unchanged at the end of the day... more »

Chris LaRose posted a blog entry Feb 3, 2010

Mortgage Demand Picks Up Ahead of Expected Rise in Rates

Mortgage rates held steady yesterday near what might turn out to be the most aggressive levels of 2010. Mortgage backed securities prices did not move too high or too low without quickly correcting, not much progress was made in any direction yesterday or for the last few weeks for that matter ... more »

Chris LaRose posted a blog entry Feb 2, 2010

Mortgage Rates Steady Near What Might Be The Best Levels of the Year

Mortgage rates held steady yesterday despite a healthy rally in the stock market. Lenders were able to keep mortgage rate sheets mostly unchanged as prices of mortgage backed securities held to a tight range throughout the day. President Obama released his 2011 Budget yesterday morning. We were... more »

Chris LaRose posted a blog entry Feb 1, 2010

Mortgage Rates Prepare for Busy Week of Econ Data

Despite a much better than expected advance read on fourth quarter GDP (consensus was 4.5%, actual 5.7%), the week ended on Friday with mortgage rates near the best levels of the month. Usually, better than expected economic data causes stocks to move higher and bond yields increase. But that is not... more »

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