Michael Dutra

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Responsible for the design, build, and execution of a multi-branch mortgage production platform within a federally chartered bank operating in all 50 states. Leads national recruiting campaign and development of Loan Officers, Branch Managers, and regional leadership, with a focus on experienced, self-sourced producers seeking a platform built on structural advantages rather than lead dependency. Oversees end-to-end sales performance, including production volume, pipeline health, pull-through, and time-to-close metrics. Aligns sales strategy with in-house operations to ensure consistent delivery against a 28-day closing standard and a credit culture oriented toward approving loans. Partners directly with executive leadership to scale a disciplined, data-driven production model, targeting $250MM–$300MM in annual funded volume through a combination of strategic recruiting, process optimization, and market expansion. Drives operational integration across sales, processing, underwriting, and secondary to eliminate friction, increase conversion, and enhance borrower experience. Establishes performance expectations, reporting frameworks, and accountability structures across all levels of the organization. Builds and reinforces a culture centered on professionalism, execution, and long-term stability within a privately held, veteran-owned institution.

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Open to connecting with experienced Loan Officers and Branch Managers ($8MM–$20MM+ producers) who are looking to operate within a platform designed to remove constraints and maximize production.

10/09/2026

Found a home you like—but already have a list of changes you’d make? 🏡🔨

Renovation financing may allow eligible purchase and improvement costs to be combined, helping you think beyond what a home looks like today and toward what it could become.

Have a property and project in mind? Let’s talk through the plans, contractor details, and financing options that may apply.

10/07/2026

The best routines make room for more than what’s on the calendar. ⛳

Whether it’s a round of golf, time with family, or simply stepping away to recharge, making time for what you enjoy matters.

What’s one activity you always try to make time for?

10/05/2026

Your home equity may give you more than one way to fund what’s next. 🏡

A home equity line of credit (HELOC) and a home equity loan (HELOAN) can both use available equity, but how you access the funds and repay them can differ.

The right fit may depend on what you’re planning, when you need the funds, and your repayment preferences. Let’s compare the options and talk through what may work for your goals.

10/02/2026

Building a home starts long before construction begins. 🏡

From defining your vision and choosing a builder to understanding documentation, draws, inspections, and permanent financing, there are several conversations worth having before the first shovel hits the ground.

Thinking about building? Let’s talk through the financing process so you know what to expect from plans to front door.

09/30/2026

Three Veterans Affairs (VA) loan benefits worth keeping on your radar. 🇺🇸

For eligible borrowers, that may include purchasing with no down payment, no monthly private mortgage insurance, and the ability to use the benefit more than once when eligibility and entitlement allow.

Your VA benefit can play an important role in your homeownership plans. Let’s talk about how it may apply to you.

09/28/2026

For eligible Veterans Affairs (VA) borrowers, the path to homeownership may come with a powerful benefit: the ability to purchase a primary residence without a down payment. 🇺🇸🏡

Your service may have earned you benefits worth understanding. If buying a home is on your radar, let’s talk about your eligibility and what options may be available to you.

09/25/2026

Veterans Affairs (VA) home loan benefits can offer more than you may realize. 🇺🇸

From potential down payment advantages to no monthly private mortgage insurance—and the possibility of using the benefit more than once—understanding what may be available starts with knowing the facts.

Eligibility, entitlement, and individual circumstances all play a role. Have questions about your VA home loan benefit? Let’s talk through how it may apply to your homeownership goals.

09/23/2026

Building a home means your construction financing may move along with the project. 🏗️

Construction funds are often released in stages as work is completed, reviewed, and approved according to the draw schedule.

Understanding how draws may work before construction begins can help you know what to expect throughout the build.

Planning a project? Ask me about the construction financing process and how draws may apply to your build.

09/21/2026

Condo living and Veterans Affairs (VA) home loan benefits may be able to work together. 🏡

Some condominium properties may be eligible for VA financing, giving eligible borrowers another option to consider when searching for a home.

Have a condo on your list? Let’s talk about what to look for and how VA eligibility may apply.

09/18/2026

A Veterans Affairs (VA) appraisal plays an important role in the VA home loan process—but it’s not the same thing as a home inspection. 🏡🇺🇸

The appraisal helps establish an estimated market value and considers applicable VA minimum property requirements. A home inspection is a separate service that may provide a more detailed look at the home’s condition.

Understanding the difference can help you know what to expect along the way. Have questions about the VA home loan process? Let’s talk.

Address

Church Street
Northbridge, MA
01588

Telephone

+14014866894

Website

http://www.TeamDutra.com/

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