Mortgage Loan Officer Experience and the Key to Success

A loan officer at Wells Fargo Home Mortgage for nearly eight years, John Constantinides worked closely with clients to evaluate credit and help them identify the loan programs for which they were qualified. During that time, John Constantinides was named a Top Five loan originator in Queens County for three consecutive years and earned the 2008 Top Gun producer status.

Loan officers, also known as loan originators, assist customers with loan applications and serve as a liaison between the loan applicant and the underwriter throughout the loan process. In most cases, loan officers are required to have a bachelor’s degree in a related field, such as finance, accounting, or economics. Furthermore, loan officers in the mortgage field must be licensed, which is accomplished by completing coursework as well as passing a background check and an exam.

According to a survey study conducted by FirstUSA Data on behalf of Mortgage Success Source, successful mortgage loan officers originate more than $30 million loans annually with the top 15 percent averaging over $150 million each year. Top performers are productive and efficient, and many employ supporting staff to care for administrative responsibilities so that they have more time to focus on clients, who include loan applicants and realtors.

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Saint Demetrios Cathedral of Astoria Celebrates 86 Years

As the manager of New York-based eBridgeBuilder, which works closely with real estate professionals, John Constantinides manages and trains its sales staff and develops sales techniques. Outside of the office, John Constantinides is actively involved in his church, Saint Demetrios Cathedral of Astoria.

Established in 1927, the Greek Orthodox church opened a school on its campus in 1967 with almost 300 students and now has a pre-kindergarten-through-high-school program that educates more than 700 Greek American students. In November 2013, Saint Demetrios Cathedral of Astoria celebrated its 86th anniversary.

The celebration, held at the Terrace on the Park in Flushing, New York, began with a night of opera, followed by a religious festival, and capped off with a luncheon. A highlight of the festivities was the presentation of the Odyssey Award to Friar John Antonopoulos for his 46 consecutive years of service to the community. This award is the highest prize given by the church to those ministering to the faithful.

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Facts About Traumatic Brain Injuries

Based in Astoria, New York, John Constantinides serves as the manager of eBridgeBuilder, a market research company focused on the real estate and financial services industries. In his personal life, after his wife suffered a traumatic brain injury (TBI), John Constantinides created the Demetra Brain Recovery Foundation in 2010 to help those dealing with similar conditions.

According to a study done by the Centers for Disease Control and Prevention (CDC) in 2010, every year at least 1.7 million people experience TBIs. The study also found that almost one-third of all injury-related deaths occur due in part to TBIs. In addition, the CDC reported that the leading causes of TBIs are falls, followed by motor vehicle accidents, events where the individual is struck or collides with a moving object, and assaults. Of these individuals, the CDC found that children ages 0 through 4 and adults age 65 or older have the highest risk of suffering a TBI.

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Selecting a Home for Purchase

John Constantinides serves as manager of eBridgeBuilder, a real estate sales group based in Franklin Square, New York. Before accepting his current position, John Constantinides established himself as an award-winning loan originator with Wells Fargo Home Mortgage.

When deciding to purchase a home, an individual or family must first decide on the size, type, and amenities that best meet present needs. For example, a growing family may need to upgrade from two to three bedrooms, while an elderly couple may seek a home with fewer stairs. Surveys show that many families actively seek a home with amenities like central heating and air-conditioning, yet different people will prioritize different elements. Home buyers should make a list of not only the features they desire but those that are must-haves.

Home buyers should also consider neighborhood features. Families with children may require a neighborhood near a particular school, while non-drivers may need to be close to work or public transportation. Similarly, buyers should consider whether they are open to condominiums and other homes in communities that offer paid services like snow removal and landscaping.

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Home Mortgage Vocabulary

A former loan officer with Wells Fargo Home Mortgage, John Constantinides achieved distinction as the 2008 Top Gun producer within the company’s North Eastern Division. John Constantinides also stands out as one of the top five loan originators in Queens County, New York, from 2008 through 2011, and as one of the highest-rated loan officers in terms of customer satisfaction.

Family mortgage statementWhen a broker or lender extends a mortgage to help an individual or family purchase a home, that lender agrees to pay back the original amount, or principal, plus interest. Interest refers to the percentage rate that the lender calculates as the fee for borrowing. For example, a 5 percent interest rate means that the borrower pays 5 percent of the original principal in interest per year. Some borrowers may be eligible for a reduction in interest rates based on discount points, or percentages of the original loan amount.

In applying for a loan, a borrower also accepts responsibility for any origination charges. These refer to costs that the borrower owes in relation to the processing of the loan, such as underwriting costs, preparation of documents, and any expenses that the lender incurs. The borrower must repay the lender by the end of the loan’s term or the period of time agreed upon at the signing of the loan.

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Fact Sheet on Recovery from a Traumatic Brain Injury

A former loan officer and now a manager for eBridgeBuilder, John Constantinides is an expert at nurturing relationships with return clients as well as new ones. After his wife suffered a brain injury, John Constantinides created the Demetra Brain Recovery Foundation to help those coping with similar traumas.

In the event that a loved one suffers a traumatic brain injury (TBI), the natural response of family members is to inquire about the long-term effects and expected length of recovery. According to an article published by the Model Systems Knowledge Translation Center, knowing certain facts can help families better understand the recovery process.

-Recovery time is largely based on the severity of the injury.
-The largest steps in improvement will occur around six months following the injury.
-Brain injury is a somewhat new area of study, making it difficult to predict effects over the longer term.
-Most individuals continue to show increasing abilities two years following the injury.
-Secondary problems such as brain swelling differ substantially from person to person.
-About 34 percent of patients require supervision during the day or night.

For more information about TBI and other traumatic injuries, visit msktc.org.

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Teens Should Proceed Slowly When Recovering from Concussion

John Constantinides is a manager at eBridgeBuilder, located in Franklin Square, New York. The founder of the Demetra Brain Recovery Foundation, John Constantinides endeavors to assist individuals recovering from traumatic brain injury (TBI).

A more common and less severe head injury than TBI, a concussion is a sudden shock to the brain that can lead to a variety of long-term negative effects, especially in teens. For years, doctors have advised concussion patients to rest during recovery, but only recently have doctors obtained the evidence to back this claim.

brain-scans-300x258According to the American Academy of Pediatrics, students may need to stay out of school after experiencing a concussion. The AAP pushed for more research on the topic, and a study by Boston Children’s Hospital provided useful information. The study involved 335 teen athletes diagnosed with concussion at the hospital between 2009 and 2011.

Using a Cognitive Activity Scale, researchers broke students into four categories: complete rest, minimal activity, moderate activity, and activity without restriction. After measuring the subjects’ cognitive ability, results showed that the higher the level of brain activity, the longer it took to recover from concussion symptoms. Hence, resting the mind after a concussion is now backed by research as well as tradition.

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