Henry Munoz was raised in the Los Angeles County area known as the South Bay.He grew up in Lomita,California. Served 6 years in the United States Army and also California National Guard as a Medic.Henry attended the Academy of Health Sciences at Ft Sam Houston Texas.
Henry started his mortgage and lending career in 1997 as Loan Officer/Mortgage Banker and was originating real estate loans under The California Finance Lender License Law.In 2015,primarly licensing was under the California Department of Real Estate salesperson license in 2015 and then to a Broker License in 2019.
Henry Munoz is Licensed as a Real Estate Broker by the California Department of Real Estate.Dre#01786680 In addition to having the National Mortgage Licensing endorsement.Nmls#228855
Arizona Mortgage Loan Originator Endorsement MLO-228855
Washington Mortgage Loan Originator Endorsement MLO-228855
He is also registered and approved by the California DFPI Mortgage License Endorsement.
In order to be a Licensed Broker by the California Department of Real Estate you must take a very difficult exam administered by the Department of Real Estate.In addition, you must pass a California Department of Justice and Federal Bureau of Investigation background. All broker license applicants must complete the following statutory required college level courses prior to the exam.
*Real Estate Practice
*Legal Aspects of Real Estate
*Real Estate Finance
*Real Estate Appraisal
*Real Estate Economics or General Accounting
And three courses from the following group
*Real Estate Principals
*Real Estate Office Administration
*Mortgage Loan Brokering and Lending
*Advanced Legal Aspects of Real Estate
*Advanced Real Estate Finance
*Advanced Real Estate Appraisal
*Computer Applications in Real Estate.
The National Mortgage License requires pre education coursework and passing
the National Mortgage Licensing Exam.
The Safe Act requirements for the pre licensing and exam require the following
* 3 hours of Federal Law
* 3 hours of ethics
* 2 hours of non traditional lending
* 12 hours of undefined electives plus another 4 hours of state -specific mortgage lending law..
Annual mandatory education is required for each licensing authority and state that a license is maintained
Henry also has a Diploma in Paralegal Studies and is registered and bonded with the County of Los Angeles as Legal Document Assistant.
LDA Registration # 2018187330 Expires 7/26/2024
The Diploma in Paralegal Studies offers another layer of expertise when there are issues regarding trusts,probate,foreclosure,title issues,divorce ,partnersip buyouts ,bankruptcy among many others issues that affect property.
My mission is to serve our customers with honesty, integrity and competence. Our goal is to provide real estate loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.Henry Munoz can help with the most difficult transactions either residential or commercial.