Cristi Tenhagen
Loan Officer
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About
Licensed Mortgage Loan Officer
About Me
I’m Cristi Tenhagen, an MBA-trained, licensed Mortgage Loan Officer focused on delivering smart, affordable financing—without the confusion. My background spans financial services, trading, and entrepreneurship, which means I approach every file with a strong command of numbers, risk, and execution. I guide clients from pre-approval to clear-to-close with clear timelines, proactive communication, and options that fit real goals—payment comfort, cash flow, and long-term wealth building. Whether you’re buying your first home, expanding an investment portfolio, or refinancing to optimize terms, my job is to translate today’s lending landscape into a plan you can trust.
Loan Programs I Specialize In (SEO-focused)
- Conventional Loans – Fixed-rate & ARM options for primary, second homes, and investment properties
- FHA Loans – Low down payment, flexible credit for first-time buyers
- VA Loans – Zero-down options for eligible veterans and active-duty service members
- Jumbo Mortgages – Financing above conforming limits for high-value properties
- Non-QM / Alternative Documentation – Tailored solutions beyond traditional guidelines
- Bank Statement Loans for self-employed and 1099 borrowers
- DSCR Loans for real estate investors qualifying on rental income/cash flow
- Foreign National Mortgages for international buyers without U.S. credit
- Refinancing –
- Rate-and-Term Refinance to lower payment or shorten loan term
- Cash-Out Refinance to access equity for renovations, debt consolidation, or new investments
- HELOCs & Second Mortgages – Tap home equity while keeping your first mortgage in place
- Construction & Renovation Financing – Ground-up, remodel, and rehab options (including FHA 203(k) and Fannie Mae HomeStyle®)
- Down Payment Assistance – Guidance on programs that reduce upfront costs
- Reverse Mortgages (HECM) – Equity-based solutions for homeowners 62+
- Commercial & Investor Solutions – Options for 1–4 unit and select commercial scenarios (case-by-case)
Result: more ways to qualify, competitive pricing, and a loan strategy aligned with your goals.
How I Work
- Plan first: Clarify budget, timeline, and risk tolerance; then match products to goals.
- Communicate clearly: Milestone-based updates keep you and your agent aligned from application to closing.
- Execute efficiently: Upfront docs, proactive underwriting, and on-time closings—no surprises.
Who I Help
- First-time homebuyers who want clarity and competitive options
- Move-up buyers managing a sell-and-buy timeline
- Self-employed clients leveraging bank-statement underwriting
- Real estate investors using DSCR to scale cash-flow portfolios
- Homeowners refinancing to improve terms or tap equity
- Foreign nationals purchasing U.S. property without established U.S. credit
Professional Experience (selected)
- Licensed Mortgage Loan Officer – Current
- Author, Trading Unlocked Series (Amazon KDP) – 2025–present
- Wrote and published a 3-book series simplifying futures/options strategies; built an audience through accessible financial education.
- Founder & Wireless Strategist, SkyGrid Networks – 2025–present
- Designed wireless deployment solutions for commercial properties (Wi-Fi, IoT, mobile offload).
- Day Trader (Options & Futures) – 2020–present
- Rule-based strategies; risk management; market micro-structure.
- E-commerce Owner/Dropshipper – 2017–present (remote)
- Full-stack operations: marketing, CX, logistics, SEO.
- Insurance Agent & Financial Services Professional, New York Life – 2006–2017 (Miami–Fort Lauderdale Area)
- Advised 500+ clients; ~$3M AUM; awards include Lifetime Income Annuity Champion, Career Producer Award, Foundation Award (LTC), and Executive Council Agent.
Education & Credentials
- MBA, Keller Graduate School of Management (GPA 3.8; Sigma Beta Delta Honor Society)
- B.S., Business Administration (Minor in Economics), University of Florida – Warrington College of Business
- Member, Delta Sigma Pi; UF Alumni Executive Board (Miami Chapter, 2006–2007)
- Licensed Mortgage Loan Officer (active)