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Meet Lisette Espinoza

Meet Lisette Espinoza

I’d describe my role at MortgageDepot as a processor, and additionally I’m also a skilled underwriter who performs pre-qualifications as needed. Before joining the staff six years ago, I worked in bookkeeping and accounting.

Each of my work days begins with email and attention to the priority files based on their urgency. I’m very methodical in my approach, and I start each day with a daily task list. I was fascinated by the mortgage process; and as a bookkeeper, I wanted to learn more. I have the advantage of possessing a natural affinity for numbers, and I enjoy working with them, so it was a seamless progression for me. Excellent client service is when your customers are so happy that they refer others to you!

The most critical change I’ve experienced in this industry is how digital technologies have transformed processes completely. If I could have one wish granted, it would be to see quarterly information sessions that allow professionals such as myself to keep abreast of the constant changes in the mortgage industry.

Meet Irina Trofimova

Meet Irina Trofimova

My role here at MortgageDepot is as a Loan Officer’s assistant. Before joining MD three years ago, I secured financing for Title 9 Autos as an automotive loan clerk for car purchases. My typical day consists of processing applications, checking for updates and making additions of required documents.

Although I was doing auto financing, I always really wanted to learn the mortgage business. And it’s a big plus that my job is very near my home, NO commute! It’s cool when clients return to conduct additional business with us and refer their friends and family! What’s changed in the mortgage industry is how technology has made information more accessible for consumers and now that’s the standard.

I’m looking forward to a day when collaboration is the focus, and everyone can do their jobs effectively no matter what their role is in the mortgage process.

Meet Phoebe Bartholomew

Meet Phoebe Bartholomew

I’d describe my role as a loan processor at the company as someone that submits loan applications and some structuring of loans occasionally. Before joining MortgageDepot, I was a loan processor at Concept 2K Mortgages, Inc. I’ve been with the firm for three years now. To me, every day is unique. No matter what I plan for the day, the plans go out the window! But that is the beauty of what I do. What interests me most about this industry from a broker’s perspective is the ability to be creative while meeting clients needs regardless of their circumstances.

For me, excellent client service comes from transparency from the beginning while keeping them apprised during the process to the end, without surprises. And of course when clients are happy and express their gratitude for the role that I’ve played in the process of securing them a home loan. The change I’ve noticed in my industry is that loan officers must be very knowledgeable because today’s customer is savvier than ever. If I could see one change in the mortgage industry, I’d like to see the abolishment of Appraisal Management Companies (AMC)! I can dream, but that’s highly unlikely.

Mortgage Depot Partner Ryan Walsh

Mortgage Depot Partner Ryan Walsh

Ryan J. Walsh Esq. of the law firm Ryan J. Walsh & Associates PPLC is a valued partner of MortgageDepot. His practice specializes in serving first time home buyers, real estate owners, lenders and nonprofit organizations in residential and commercial real estate transactions throughout New York State. As a banking attorney, periodically his firm caters a casual lunch for the staff at MortgageDepot to further deepen our understanding of his role with regards to our clients and the real estate banking industry.

Mr. Walsh’s practice focuses on representing lenders and individuals in the purchase and sale of residential and commercial real estate at closing. His firm represents clients in residential and commercial mortgage transactions, sales, purchases, refinances, leasing of commercial and residential real estate properties. The firm also provides counseling for individuals in the preparation of wills, estates and the sale and purchase of business interests.

Additionally, Ryan is also a dynamic, engaged member of his community at large. He is an active board member of Neighborhood Housing Services of Northern Queens, a Statewide Board member of Best Buddies, a board member of the Central Queens Y. Ryan was also formerly a board member of Community Board 11 and the YMCA 189 Beacon Program.

Meet Katherine

Meet Katherine

My role at MortgageDepot is that as a Loan Officer’s assistant. Three years ago, I was an intern in the payroll office of Queens Community College, which is a part of the City University of New York also known as CUNY.

My days are Monday through Friday rain or shine. I spend those days doing verifications and processing additional documents digitally for clients seeking to secure a mortgage or to refinance their homes. It makes me happy to contact clients notifying them that their file is “Clear To Close” (CTC) and that we can proceed by scheduling a closing date! I like everything that I do in my daily work. My part helps others to achieve their dream of becoming a homeowner.

This year, we’ve closed more mortgages than ever. If there’s one change that I’d like to see in the mortgage industry is to see more paperless processes for documents. Eventually, I think digital technologies are going to transform how the real estate industry operates in the future.

Meet Yury Gokhberg

Meet Yury Gokhberg

Yury Gokhberg is a Mortgage Loan Originator here at MortgageDepot and also a licensed Real Estate agent. Yury has over 25 years of experience. He spent thirteen years with Chase Manhattan Bank as their first Russian speaking loan officer. Before joining the staff here at MortgageDepot, Yury was formerly a loan originator at Coldwell Banker and Citizens Bank.

“I have a flexible work schedule as I make my hours. This flexibility also allows me to work across various time zones Internationally as well. What interests me the most about working in the mortgage industry is the ability to help other people. Working here at MortgageDepot allows me to work with clients in ways that traditional banks do not.”

“Good client service looks like asking critical questions about their future goals, offering the very best interest rate, and helping them to accomplish their ultimate goal of homeownership. As far as the changes I’ve witnessed from the beginning of my career as a mortgage loan originator, it’s completely different than when I started my career. It has become highly selective to become approved for a mortgage because of government oversight.”

“If there’s a change that I’d like to see, it would be the creation of a guaranteed low-interest-rate government program that offers a product with a 25-30% down payment.

To view Yury’s personal page, follow this link. Contact Yury for any or all of your financing needs.

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