Tony Gallegos - The Mortgage Cicerone FHA /VA Training Solutions

By
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.

ARCHIVED BLOG POSTS

2007 

The mortgage industry is going through a paradigm shift in the way mortgage products are delivered to clients. While the principles have not changed, the method in which they are delivered is changing with ever increasing speed. Part of my job in delivering outstanding customer service to my clie...
06/30/2007
Do you run your business like a business?Whether you are a one-person mortgage broker shop or work for a large national name brand company; if you do not think of yourself as the CEO of your book of business, you will NEVER reach the ranks of superstar status in your industry. It's imperative YOU...
06/27/2007
"I was taught that the way of progress was neither swift nor easy." -- Madame Marie Curie"The guy says, 'When you work where I work, by the time you get home, it's late. You've got to have a bite to eat, watch a little TV, relax and get to bed. You can't sit up half the night planning, planning, ...
06/26/2007
If you haven't, get off your arse and do it now, right away! When I initially tell mortgage and real estate professionals this, they usually look at me sideways, scratch their head and politely ask, why in the world would or should I send out 4th of July Day cards?The answer...because you want to...
06/26/2007
According to industry experts, a majority of subprime mortgages originated recently do not carry mandatory escrow accounts to ensure the timely payment of property taxes and hazard insurance.The ReasonIn an effort to reduce monthly payments to high-risk home buyers already several percentage poin...
06/25/2007
A Different Perspective on Doing Business  -  TITLE-OPOLY If a Real Estate Brokerage Served Cheeseburgers... - REAgentSorry, Kids. You Can't Go to College...We Bought a House - Sacramento Real Estate Voice (Brian Brady)Hello, My Name Is Tim. Having Fun With Name Tags  - Tim Maitski / ActiveRainSt...
06/24/2007
When evaluating the evolution of a top mortgage planner, there are countless metrics in which to measure their progress, growth and success. Some sales managers claim the metric in mortgage loan origination is, "How do your customers and clients view you?" However, mortgage trainer Mike Baker dis...
06/22/2007
Most individuals readily admit THEY SHOULD have a business plan, however once they get down to writing one, they often get overwhelmed. The first mistake many people should realize is that a personal business plan:Does not have to be a huge document. It need only include key components and serve ...
06/22/2007
Recently my friend and fellow blogster, Brian Brady penned a very important article regarding purchasing a home with a large down payment and what the tax implications could be if one refinances later to pull cash out. In the post he says:"How often have you been involved in a real estate transac...
06/22/2007
What makes the use of metaphors such a powerful communication tool? In my humble opinion, it's because they simply drive home a point with a short, memorable, and emotional punch that information and logic alone do not have. I have repeatably witnessed the use of metaphors by some of the top supe...
06/22/2007
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Tony Gallegos

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