“Adapting to change so you don’t have to”
Every career trajectory is unique. Individuals tend to gravitate towards a profession that matches their respective personalities, although the path to finding the right job is not always linear—it can be a long, circuitous journey full of challenges, personal growth, and lessons learned. That was definitely Ani Kamikyan’s experience, who leveraged the interpersonal skills she garnered in the retail industry to propel her into an immensely successful career in the lending sector.
Originate Report had the pleasure of sitting down with Kamikyan to discuss how she got involved in the financial sector and what inspired her to launch her own business as a mortgage broker affiliated with Dynamic Financing Group, Inc. Her story is a motivating reminder of the power of hard work, determination, and staying true to who you are.
A Passion to Help
Kamikyan did not grow up wanting to be a mortgage broker—she just knew that she wanted to help people in some capacity. She initially intended to become a doctor, but those plans changed when her educational goals were put on hold following a car accident. Instead of getting discouraged about the setback, she used the personal skills she developed in the retail industry to obtain a job as a personal banker.
“I became immediately fascinated with the financial industry,” recalls Kamikyan. “I loved being able to advise clients on how to optimize their savings and become more profitable.” Her passion propelled her to VP of Underwriting at LBC Capital, where she spent nearly six years assisting real estate investors in obtaining much-needed capital to pursue their goals.
Kamikyan’s initial success in the lending industry motivated her to strike out on her own as a mortgage broker, a role in which she applies her critical thinking and analytical skills to continue fulfilling her childhood dream of helping people. “From a young age, my main goal in life was just to help people,” she explains. “As a lending professional, I help borrowers obtain the capital they need to pursue their goals while simultaneously providing optimal returns to our investor base, which is truly a win-win for me. I get to help both sides with every transaction, and everyone comes out in a better position than when they started.”
The professional autonomy and ability to flex her inherently creative personality is an aspect of being a mortgage broker Kamikyan enjoys. “When I get a job, I want to know everything,” she emphasizes. “What can we do? How can we do it? The devil is often in the details, so I make sure to be precise and detail oriented. Over the years, I have developed the ability to quickly assess a client’s credit, income, and asset backgrounds to determine appropriate pricing structures and risk analyses. This allows me to weigh a broad spectrum of potential concerns and develop contingency plans to ensure prompt and comprehensive issue resolution.”
Kamikyan has launched an Instagram page to educate the public on the advantages of private money loans and how they can assist real estate investors in tackling upcoming projects. She addresses a range of issues and promotes awareness of the unique upsides of private money funding options, such as interest rate stability: “A huge benefit of the type of private money lending that I facilitate is that these fluctuating interest rates we have been experiencing as of late do not impact the loan products we have to offer,” she states. “Our interest rates remain stable and are not dependent on the market, making our private money financing options ideal for borrowers.”
A major selling point Kamikyan feels makes hard money loans an ideal solution for investors is the quick turnaround time from application to funding. “Typically, we can complete the entire underwriting process the same day that we receive an application,” she notes. “Good luck trying to get that kind of turnaround working with a conventional mortgage provider—you can be waiting for weeks or even months before being approved. Speed and efficiency are the names of the game when it comes to successful real estate investing,” she observes. “Our flexible hard money loans are specifically geared towards investors, offering them the flexibility and quick processing they need to remain competitive in today’s extremely active marketplace.”
