To obtain a challenging position that will utilize my exceptional people skills, strong organizational abilities, ambitious, assertive, and dedicated demeanor to meet and exceed all professional goals and expectations.
Obtain loan information from Loan Officer, review borrowers information such as name, address, social security , DOB before input into Calyx Point.
Analyzed and calculated loan to value, debt to income ratios, and credit report. Calculated Max loan amount for Fannie and Freddie Mac HARP program.
Export file from Calyx Point to lender system (Flagstar Bank) and ran DU, LP for Conventional , FHA, and HARP Loans. Stacked all loan documents such as 1003, 1008, TIL, GFE, income -current 30 days paystub, W2, 1040s, (1120, 1065) if necessary to submitted to underwriter for approval.
Examined title, escrow report as well as closing statements. Requested payoff statements, written verification of employment if needed. Received conditions loan approval, and obtained prior to conditions for clear to close.
Drawing loan documents, requested Grant Deed or Quit Claim Deed if needed. Scheduling singing with parties such as borrowers, escrow and notary if necessary.
Worked with funder and escrow to obtain all funding conditions before the loan funded.
Worked closely with Loan Officers, borrowers and underwriter until the loan funded. Ordered / Reviewed loan applications, appraisal, income documents such as paystub, W2, 1040s, 1120s, 1065s , insurance, title, escrow. Uploaded them all to imaging system (paperless) label each documents under their title for the underwriter to review and conditional approval.
Locked the rate per loan officer instruction. Communicated with borrowers for any approval conditions that needed. All communication and details of each loan recorded in Bank of America system to eliminate mis-understandings.
Communicated with funder and escrow to obtain funding conditions before the loan funded.
Experienced in Prime, Sub-Prime, Alt-A and hard money loans.
Worked directly with Lender, Loan Agents, Title / Escrow company, Appraiser on many different types of loans.
Opened Title/ Escrow, payoff statements, and liens on title -such as child support liens, bail bond, mechanic liens, tax liens.. etc.
Order Appraisal report, verification of employment, mortgage, and deposit .
Daily contact with Agents, Lenders, Title, Escrow answering all question related to loans currently in process and inform Agent of any follow up requirements.
Submitted loan to lender for approval, and obtained prior to conditions
Drawing doc for signing using "Doc Magic System"
Worked with Warehouse, Bank, Title, Escrow to fund the loan
Requested wire to fund loan.
Processed Payroll using " Paychex "
Paid invoices for company expenses
Set up approval for State licenses.
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