Ingrid Ascanio · Branch Manager & Mortgage Loan OriginatorI know how the person reading your file thinks. I used to be her.
Most loan officers learned lending from the sales side. I learned it from the inside (underwriting files, running processing teams, and defending homeowners in loss mitigation) before I ever originated a loan.
That order matters: it's why my files are structured to be approved, not just submitted.
The road here
Every side of the lending desk
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2016 to today
Branch Manager & Mortgage Loan Originator, Pioneer Mortgage Funding
All of it, working for you: banker's discipline, operator's speed, advocate's loyalty, with the freedom to shop 50+ lenders instead of defending one bank's menu.
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The advocacy years
Loss Mitigation Specialist
Foreclosure defense and loan modifications: fighting for homeowners on the worst day of their financial lives. It permanently changed how seriously I take the phrase “the right loan.”
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The operations years
Processing Manager
Running the machinery between application and closing table. Speed, in this business, is operations, and I ran the operation.
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The bank years
Underwriter
The person who says yes or no. I learned exactly what makes a file fundable, and the small, fixable things that sink applications that should have closed.
How I work
What you can hold me to
Structured, not submitted
Anyone can forward your documents to a lender. Structuring means choosing the lender whose guidelines fit your file, presenting income the way that lender reads best, and answering underwriting's questions before they're asked.
The truth, early
If your file needs six months of credit work before it's ready, you'll hear it in our first call, with a plan attached. False hope wastes your time; a real map doesn't.
In your language
The whole process happens in English or en español, not just the small talk, but the documents, the explanations, and the closing. Miami deserves nothing less.
Reachable, humanly
Offers get written on Sunday afternoons. Deadlines land on holidays. My clients have my cell, and 20 years in, I still answer it.
Recognition & leadership
Trusted by the industry, too
FAMP Miami · Vice President, 2025–2026
Elected leadership in the Florida Association of Mortgage Professionals, Miami chapter.
FAMP Tradeshow Co-Chair, 2025–2026
Co-chairing the chapter's flagship industry event.
Top Producer, 2019
Pioneer Mortgage Funding production recognition.
The next step
15 minutes with Ingrid beats a week of googling.
No obligation, no pressure. Tell her where you are. She'll tell you exactly what's possible and what happens next.