TOP LENDER IN FLORIDA TINA MULLIGAN
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A career opportunity can appear in the most unusual places. For Tina Mulligan, it happened in the early 1980’s, while she was working as a manager of a McDonald’s. When one of her regular customers from Merrill Lynch suggested that she would be good in the security market, Tina took her advice, and so began her journey into the mortgage industry, which she has been in for 38 years. She has held positions including mortgage-backed security trader, head of Capital Markets for large mortgage lenders, head of operations, and underwriter. She currently works at CMG Financial, where she is a sales manager/mortgage financing specialist and has a great support team.
A big reason for why Tina decided to move to CMG Financial were two amazing programs that the company offers to their clients. One of them is called the Homefundit program, and serves people who are looking to buy their first home but do not have the money for the down payment or the closing costs. This program helps them raise the money with not much effort and CMG Financial will match up to 1% of the sales price or 1500.00 whichever is less. This is a special program exclusive to CMG Financial and FNMA, and nobody else offers it. “One of my customers earned $7,500 towards their down payment and closing costs.” The other program—also exclusive to CMG Financial—is called an All In One Loan, designated for financially savvy customers who want to take years off their loan, save money, and never have to refinance to pull equity out of their existing loan. Tina also offers great FHA, conventional, and jumbo programs as well and has special programs for Veterans and First Responders.
Her experience and years in the mortgage industry have allowed Tina to have a 100% referral based business. “I don’t buy leads. I have referral partners in the real estate market, and financial partners and an incredible group of past clients. I do everything in my power to provide excellent service. Closing a loan is not the end of the relationship between me and my customers—they usually become my friends,” she says. And Tina spends a lot of time educating her clients through this process, in order to ensure a smooth and stress-free transaction. “I deal with a lot of first time home buyers. And you really have to be thorough in your conversations to make sure they are welled educated since this is the biggest purchase they will be making in their life. They are so appreciative for this extra care I give them.”
Tina derives a lot of joy from her job—especially the end result. “I like the smiles on the people’s faces when they get the keys to their new home. Those kinds of smiles and that type of happiness makes you just want to keep working hard.”
Outside of work, Tina is a member of the Plantation Chamber of Commerce, and is involved with breast cancer awareness organizations as well as programs for underprivileged kids. When she’s not working or giving back to the community, she loves to spend time with her five grandkids, her husband, family and friends. Going forward, Tina wants to grow her business organically. “I love what I do, I’ve been doing it for 38 years, and I never took a break, even when the industry crashed and burned. I will always be here to serve my community. ”