Laura Winkel

I have been in the mortgage industry for nearly 20 years. I started as a loan officer under a broker mainly specializing in difficult loans. I moved on to account executive with a large sub Prime outfit and finally ended up writing loans again, fst first through banks and now for a direct seller/servicer. I am fully licensed in the state of Colorado and any state that accepts the national licensing code. I attained that license stature because I believe this industry has a need for alternately qualified lending and wanted to be freed from the strictures on the banking side to pursue it for my customers. I truly enjoy the lending world. What I don't like is being told that if I help a borrower become qualified by educating them on what they need to do credit wise, then I am "manufacturing" a borrower. Yes we do need structure and guidelines but I find that rule to be ridiculous. "If not us then who?" is my answer.