Shinique Pernell

Mortgage Underwriter & Educator

When I became a mortgage underwriter I realized how many potential home buyers and brokers are misinformed & have uncertainties.  That’s why I created “Trust Your Underwriter.”

My Story

Being from New York Shinique is no stranger to the desire and reward of having your own home.  As a current North Carolina resident Shinique has been supporting others in their pursuit of homeownership, with over 20 years of experience in the mortgage industry.  Shinique is a Senior Mortgage Underwriter with an active Federal Housing Administration (FHA) CHUMS ID, Department of Veteran Affairs (VA) SAR / LAPP lending authority and holds extensive knowledge of Freddie Mac and Fannie Mae conventional loan products.

Shinique went into mortgage lending after studying Business Administration  & Marketing at Berkeley College.  The “Trust Your Underwriter” course began after leading an open panel on mortgage lending.  There, Shinique realized how brokers and their clients would benefit from a deeper understanding of mortgage underwriting.  Shinique’s desire to share her knowledge and truly help more people become homeowners is the leading force behind this phase in her career.

My Values & Beliefs

Homeownership for All

From the beginning of her career Shinique has been intentional about providing as many people as she could with the keys to securing safe and fair home loans.

Full Accountability

Real Estate Brokers & Mortgage professionals have a responsibility to the people they serve. It is their duty to offer learned, and ever-developing options and advice to potential home owners.

Committed to Learning

Our field demands that we continue learning and growing as a professional, this is the energy that fuels not only the success of brokers but their clients success as well.

My Approach

As a Professional Mortgage Underwriter, I am meticulously committed to details and process.  I am aware of all new regulations and requirements for Mortgage Loans according to the various lenders.  I apply that same level of detail to my classes.  We will take a varied & intricate process and break it down into digestible bites.  While delivering actionable steps that Real Estate Brokers can apply during the home buying process with their clients.

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