Hi, I’m Victoria Martinez.

CEO & Founder of High-Level Knowledge LLC

Entrepreneurial/ Executive Mortgage Professional


I am a mortgage professional with a background in mortgage training. 

 I graduated from Baruch College in 2003 with a bachelor’s degree in Business Administration majoring in Marketing Management & Communications. After graduating, I joined the mortgage industry where I worked in several sectors of the mortgage industry including origination, underwriting, post-closing, fraud analysis, quality control and assurance, compliance, and governance. Over the years, I had the opportunity to create training programs that were used to train new and senior employees.

 I am passionate about teaching and being able to help others growth in their careers. Over the course of my career, I have met so many people who joined the mortgage industry and have asked for clarification in different topics. This includes recent college graduates to professionals looking for a career change. This is where, the idea of High-Level Knowledge LLC, comes in. HLK LLC, provides comprehensive online mortgage underwriting training and coaching, we help loan processors become mortgage underwriters.


Why Mortgage Underwriting?


According to the U.S. Census Bureau, 63% of homeowners in the U.S. have mortgages.

That's a massive percentage of people who need to borrow loans.

And most of the mortgage loans go to underwriters for approval.

Now, do you see the reason why mortgage underwriters are in demand?

So, if you have a desire to make a career as a mortgage underwriter, you aren't making the wrong choice.

And besides earning a flattering income, it gives you the power to make someone's life.



Mortgage Underwriting provides ultimate job satisfaction involving decision-making and risk assessment.


As an underwriter, you will have the ability to work remote and from the comfort of your home.


Besides earning a flattering income, it gives you the power to make someone's life.

Choose a Pricing Option:


Enroll Today:


Get a complete understanding of mortgage basics, rules and regulations.

Comprehend the overall process from loan origination, production all the way to closing.

Interpret the mortgage file and examine risk assessment.

Learn to evaluate all the metrics for loan approval and credit analysis.

Get a complete overview of how to review a mortgage file. Learn about the different steps, forms, calculations of the different sources of income. Learn how to review analyze a title commitment and appraisal report. 

Frequently Asked Questions


How long have you been providing Mortgage Training? 

I have been providing mortgage underwriting training since 2007. 

Do I need a license to be a mortgage underwriter?

No, you do not need a license to become a mortgage underwriter.

Will I require additional training after completing the course?

On-the-job training will likely be necessary, too. For example, if you want to work as a mortgage underwriter, the company that hires you will likely provide the necessary training using their guidelines.

What are the Common Skills Needed to Become a Mortgage Underwriter?

When you want to become a mortgage underwriter, you want to have the right skillset. Some skills can be learned, while others you will likely already have. Some of the common skills include:

  • Analytical Skills – Your job will include analyzing financial data, which means you need good analytical skills.
  • Mathematical Skills – Good math skills are necessary for those working with financial data.
  • Attention to Detail – A mortgage application can be 100 pages or more. You will need to review this and pay attention to the accuracy of every detail.
  • Organizational Skills – You might need to work on many applications on the same day. This requires good organizational skills.
  • Communication Skills – You will also need to work with loan officers and others when approving and rejecting applications. This means you have to be able to explain why in good detail

Is Becoming a Mortgage Underwriter Right For You?

You can become a mortgage underwriter and earn a nice salary. This financial career offers plenty of advancement opportunities, and you can start without a college degree. But, of course, with a degree, you can open up doors.

How much can I earn as a mortgage underwriter?

Underwriters can earn a base salary of $100k per year (Potential bonus of $3k-5K per month depending on the company’s bonus structure)

When does the course start and finish?

The course starts now and it is a completely self-paced online course - you decide when you start and when you finish.

What about refunds?

If you're unhappy with the course, please email me personally and I will help resolve the issue. I will not refund any students who have completed more than 20% of the course. Thank you!