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Meet Mina Yasuda of Mina Mortgage in Southbay / Orange County

Today we’d like to introduce you to Mina Yasuda.

Mina, please share your story with us. How did you get to where you are today?
My start in the mortgage industry is definitely not the typical one you hear about from majority of people in my industry.

I have been in this field since the age of 18, while I was still a student at UC Irvine pursuing my degree in business. I started at my current company (where I am still at now) as an Accounting Intern looking to build my resume to pursue a career as an accountant.

During my time as an intern, my managers began to take an interest in my goals, passion and overall what I was looking for in a job/career. As we continued talking, I realized that the mortgage profession fit a lot of what I was passionate about. I love numbers, math and strategic planning. And above all else, I knew that I was always the happiest when I am helping people and actually making a difference in someone’s life. As I learned more about what a Mortgage Advisor does on a daily basis, it became clear to me that this was the perfect career path for me. I got licensed and started my career a couple of years after shadowing one of the top advisors at my company.

I love numbers but what I love even more is being in front of people and actually seeing first hand how happy my clients are when purchasing their first home or buying their first investment property! Being a part of this huge milestone in my client’s lives is something I would never take for granted and ultimately, this is why I fell in love with my job and what motivates me to continue growing and getting better every day.

Overall, has it been relatively smooth? If not, what were some of the struggles along the way?
Definitely not! Haha. But nothing worth doing or accomplishing comes easy.

As you can imagine, being a younger Asian woman in an old fashioned, male-dominated industry made me stand out a bit. Also, I am in a profession where you have to build your book of business from scratch through establishing relationships and building trust in the community I serve. At the time, my network was filled with recent college grads who are just getting their career started (definitely not looking to buy a home) so I had to be proactive in expanding my reach and getting out of my comfort zone to get my name and business out there to my network and also the LA/OC area.

Secondly, I was always insecure about how youthful I look but I quickly realized that this was simply a limiting belief that I created in my own head. I’ve been in lending for over six years now and through the years of studying and gaining the experience I need to be confident in my advice and service, I no longer see this as an obstacle. In fact, being a younger “millennial” in this industry has allowed me to locate gaps and improvements I can make in the mortgage process to not only provide a personalized, advice-driven experience but also make the execution of the financing process seamless and as easy for the borrower as possible through the implementation of technology while still maintaining the human touch.

I love this statement a speaker made at a conference I went to which said, “Comfort is the enemy of progress”. I challenge everyone no matter what industry you are in to remember this statement and if you are in a stressful or uncomfortable situation, just know YOU ARE MAKING PROGRESS!!

Alright – so let’s talk business. Tell us about Mina Mortgage – what should we know?
After finishing up my degree at UC Irvine, I hit the ground running as a Mortgage Advisor and I have been loving it ever since!

What helped me stand out from a lot of other mortgage professionals out there is that I have a huge interest in finance, stocks, and wealth planning. I would spend a lot of my free time reading books and learning more about ways to build wealth through diversifying your investments in different places including real estate, Because of this, I have a strategic approach to helping a family get ready to purchase a new home. I make it a point to review every family’s overall finances and determine what mortgage structure will fit that specific family’s needs the best – not just quote a rate.

I think it is important for people to understand that a mortgage is not a commodity. Asking around for rates/fees is not the best way to ensure that your family is in the best position possible. In order to make an intellectual financial decision for you and your family, it is important to sit down with a professional who is trained to look at your short/mid/long term goals and make recommendations that will be best for YOU. One loan does not fit all and understanding the differences between various options/programs is vital to making sure you choose the best mortgage program/structure for your purchase.

I came across a great quote by Dave Ramsey which said, “When getting help with money, whether it’s insurance, real estate or investments, you should always look for someone with the heart of a teacher, not the heart of a salesman.”

Through this approach, I have been able to build my business to where it is today. I still stay in touch with all my past clients because I believe a Mortgage Advisor’s job does not end when the loan closes. The real money saving strategies come through the management of your home loan far after your initial close date.

Any shoutouts? Who else deserves credit in this story – who has played a meaningful role?
I have been so blessed to have the most supportive colleagues, friends and family in my life.

Professionally, I credit my two bosses who invested so much time and energy training me and just believing in me in general. One of the best advice I heard while I was still a student is the importance of picking a great mentor and boss when deciding where you want to work. I challenge anyone looking to shift career paths or if you are just getting started on your professional endeavors to keep this in mind when deciding what job/position you want to pursue.

Personally, I credit my family and close friends for being there to support me through both the good and bad times. This job can come with a lot of stress, especially for someone like me who is so emotionally invested in every family I work with. Without the support of my family and friends, I don’t know where I would be.

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