Mortgage Loan Originator
Rosiles Financial Group fully licensed with Nationwide Mortgage Licensing System (NMLS) # 311877 and licensed with the California Department of Corporations as Loan Originator License # 311877. To achieve this privilege, Art Rosiles and the Rosiles Financial Group had to sustain a very rigorous background and investigation of business practices and personal history. The licensing process is to ensure that you are taken care of by the best in the industry and our group has proved our worthiness, not only to our clients but to the authorities as well.
We have performed various refinance and finance real estate transactions working closely with lenders to insure clients received lowest interest rates possible. Negotiated with prospective mortgage lenders in interest rate pricing and underwriting processes this resulted in streamlining the mortgage loan process. Interviewed clients and procured best prevailing interest rates that match our client’s needs relative to monthly payment and mortgage term.
Here are a few of the ways we help our clients in this process:
- Approve loans within specified limits, and refer loan applications outside those limits to management for approval.
- Meet with applicants to obtain information for loan applications and to answer questions about the process.
- Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.
- Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.
- Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.
- Review and update credit and loan files.
- Review loan agreements to ensure that they are complete and accurate according to policy.
- Compute payment schedules.
- Stay abreast of new types of loans and other financial services and products in order to better meet customers' needs.
- Submit applications to credit analysts for verification and recommendation.
- Handle customer complaints and take appropriate action to resolve them.
- Work with clients to identify their financial goals and to find ways of reaching those goals.
- Confer with underwriters to aid in resolving mortgage application problems.
- Market bank products to individuals and firms, promoting bank services that may meet customers' needs.
- Analyze potential loan markets and develop referral networks in order to locate prospects for loans.
DRE# 01397729
Mortgage Loan Officer NMLS #311877
Registered Tax Preparer # A033610
Notary Public Comm # 1842108


Arturo “Art” Rosiles of Rosiles Financial Group Awarded 

