The Mortgage Queen

Jill Underwood’s journey in the mortgage industry began long before she ever imagined owning her own company.

“I started in the early 1980’s when I was very young. My mother was a realtor, and as a teenager, she taught me about equity, negotiations, and helping people with their home purchases. I quickly fell in love with the mortgage industry, and I have been on the front lines helping people ever since.”

Decades of experience led Jill to a pivotal moment in her career—one that pushed her to take control of her future.

“Starting my own business was a long time coming! Frankly, I was in a place in my career where I needed a change. I was frustrated. So, I gained great clarity on exactly what I want the remaining years of my career to look like, and then I marched forward and created my vision.”

Jill founded her brokerage business to deliver an unparalleled, personalized mortgage experience tailored to each client’s unique needs.

“The decision to become a mortgage broker was easy. The broker side of my industry allows me to be aligned with dozens of lenders so I have more products to offer, so I can help more people. The mortgage broker world helps consumers save thousands of dollars in fees and creates the opportunity to seek the best loan product to meet each individual consumer’s needs.”

Her brand identity wasn’t something she sought out—it found her.

“A handful of years ago, a friend told me I should call myself the Mortgage Queen. At first, I thought it was cheesy, but the name stuck with me. Some days I loved it; other days, not so much. It kept coming back to me, and eventually, I decided to embrace it. My business mentor gave me my first assignment: name my company. Since I had already built the Mortgage Queen identity, continuing with it was the natural next step, and that’s how Your Mortgage Queen LLC came to life.”

Jill’s four decades in the mortgage industry give her an undeniable edge that allows her to see the bigger picture.

“I have seen so many changes in my industry. I’ve seen the good times and the bad times. I can recall when and why certain guidelines were created, and I share those stories with my clients and realtors.”

Expertise alone isn’t enough—she also brings deep empathy to every transaction.

“I remember buying my first home. I was scared and completely lost—it was emotional! First-time homebuyers feel that same anxiety, and I’ll never forget that.”

She also understands that homeownership isn’t just about buying a house, but also about navigating life’s transitions.

“I’m not afraid to take on a challenging loan. I know how to help self-employed clients because I can read tax returns and calculate income the way an underwriter would.”

Beyond the numbers, she connects with her clients on a personal level.

“I’ve been divorced and I know what it feels like to be a single woman raising a teenager with no help. I know what it feels like to sell the marital home of 19 years and figure out how to start all over again. I know what it’s like to get older and downsize and move into a smaller home. With all the years of my experience, I have been in darn near every category of homeowner, every life cycle, so I can relate to the emotions and issues my clients face. That’s what I love about how I help people. It’s important to understand what they are going through and to give them comfort and hope.”

That’s why Jill does what she does—to make the process easier, to offer hope, and to celebrate each client’s success.

“My job is to educate my clients, walk them through the process, and show them their options. The prize and the best days are when I see my clients’ joy at their closing celebration!”

If Jill could give one piece of advice, it would be this:

"Google doesn’t know everything, and social media is not the place to get advice.  Great advice comes from an experienced loan officer who has your best interest in mind. Ask your close friends and family for a referral to a mortgage expert. Ask your financial advisor or CPA for a referral to a great loan officer. Social media is like the old yellow pages—when you get a referral to someone, use the internet to determine if you think you will like that person. Talk to them, or better yet, go meet them in person.”

With unmatched industry knowledge, a passion for helping people, and a deep understanding of the emotions tied to homeownership, Jill Underwood truly lives up to her name. Your Mortgage Queen is located at 410 SE 3rd Street in Lees Summit. For more information, visit yourmortgagequeen.net.