Clear, accurate amortization education — built by experts, trusted by thousands.
Meet Zyra Velline, CFA, CFP®, FPWM, CAS™
Zyra Velline is a chartered financial analyst (CFA) and certified financial planner™ professional with an MBA in Finance from NYU Stern and executive education from Wharton (FPWM). She holds the Certified Amortization Specialist (CAS™) designation and has spent over 18 years in mortgage analytics — including leadership roles at Fidelity National Financial and Wells Fargo Home Mortgage.
“I built AmortizationChecker.com because every borrower deserves to understand the true cost of a loan — without jargon or hidden fine print.”
- CFA charter
- CFP®
- FPWM (Wharton)
- CAS™
- MBA (NYU)
Credentials & Verifications
| Credential / degree | Institution / issuer | Year / status |
|---|---|---|
| Chartered Financial Analyst (CFA) | CFA Institute | Charterholder since 2012 |
| CERTIFIED FINANCIAL PLANNER™ (CFP®) | CFP Board | Active, 2015–present |
| Financial Planning & Wealth Management (FPWM) | Wharton Executive Education | Certificate 2018 |
| Certified Amortization Specialist (CAS™) | American Bankers Association | 2020 (recertified 2025) |
| MBA in Finance | NYU Stern School of Business | 2011, with honors |
| B.Sc. Economics, summa cum laude | University of Florida | 2007 |
| Certificate in Mortgage Lending | Cornell University | 2019 |
| FINRA Series 65 (inactive) | FINRA | 2013–2020 (in good standing) |
Leadership & experience
- VP, Mortgage Analytics – Fidelity National Financial (2014–2021)
- Senior Financial Analyst – Wells Fargo Home Mortgage (2008–2014)
- Junior analyst – Federal Reserve Bank of Atlanta (2005–2008)
- Founder, AmortizationChecker.com (2021–present)
Professional memberships
- CFA Institute (member #14278)
- Financial Planning Association (FPA)
- National Association of Mortgage Brokers (NAMB)
- American Financial Association – amortization research group
- Forbes Finance Council (official contributor)
Selected publications
- “The Psychology of Prepayment” – Journal of Financial Planning, 2025
- “Amortization Schedules Under Rising Rates” – Forbes Finance Council, 2026
- Co-author: “The Borrower’s Right to Know” – Consumer Federation of America (2024)
- Regular columnist for Mortgage Professional America
Our location & direct contact
📍 6436 Bud Bexley Pkwy, Land O’ Lakes, FL 34638
📞 (601) 609-7001 (Zyra’s personal line, 9am–5pm ET)
📧 [email protected] – answered by Zyra or her privacy associate within 24h.
🔗 Contact Us · Privacy Policy · Disclaimer
Our commitment to you
AmortizationChecker.com is entirely independent. We do not accept sponsored posts or payments from lenders. Our calculators and articles are reviewed personally by Zyra to ensure they meet rigorous standards: every formula is triple-checked, and every update reflects current regulatory guidelines (TILA, RESPA). We are funded solely by unobtrusive ads (Google AdSense) so that our tools remain free for everyone.
We have been featured in Pasco County Schools Community Spotlight (2023) and cited as a trusted resource by the National Foundation for Credit Counseling. Zyra also serves on the advisory board of the NFCC and speaks at national conferences on mortgage transparency.