Accomplished, multifaceted Mortgage and Real Estate Professional with 8 years of proven experience working on real estate/mortgage transactions (origination, processing, underwriting, funding, contract negotiation, and closing) as well as a Real Estate Broker. Adept in managing Fannie Mae/Freddie Mac, FHA, VA, and USDA loan products and ensuring compliance with Fair Lending, ECO, FCRA, FDCPA, Flood Disclosure Act, HMDA, Service Members Civil Relief, Truth in Lending Act, Real Estate Settlement Procedure Act, and Section 32 & 35. Dynamic ability to connect with clients to determine their needs, financial situation, and optimum solutions. Well-versed in disclosures including QM, non-QM, ATR rules, HPML, HOEPA, TRID, LE, and CD and skilled in credit/financial analysis.
REALTORĀ® UniversityHouston, TXExpected in ā āMasters: - GPA:
University of PhoenixPhoenix, AZExpected in ā āB.S:Business Administration Small Business Management Entrepreneurship - GPA:Business Administration Small Business Management Entrepreneurship
Houston Community CollegeHouston, TXExpected in ā āA.A.S:Real Estate, Mortgage Lending - GPA:Real Estate, Mortgage Lending
, Expected in ā āCertified Master Mortgage Underwriter, National Association of Mortgage Underwriters
Certified Loan Processor, AllRegs Academy of Ellie Mae
Certified Residential Underwriter, Mortgage Banking Association
Certified FHA Credit Examiner, National Association of Mortgage Underwriters: - GPA:
Experience
The Pegues Group - Real Estate Broker Charlotte, NC, 01/2008 - Present
Updated buyers, sellers, investors, realtors, RMLO, and title companies to ensure seamless real estate/mortgage closings.
Managed real estate transactions including offers, counteroffers, and contract negotiations on behalf of clients.
Coordinated valuation, marketing, and property disposition; reviewed broker price opinions and appraisals to determine appropriate listing price with necessary repairs to achieve the highest price with minimal hold time/costs and decline value.
Scheduled property preservation projects to enhance the marketability of properties.
Researched HOA and Condo Association information and appraisal districts.
Created sales presentations, set-up open houses, scheduled showings, generated leads, and procured sales and listings.
Posted listings to the MLS and facilitated processes via Tempo, Fusion, DocuSign, Zip Forms, Matrix, IDX, and Salesforce.
SUTHERLAND GLOBAL - Mortgage Loan Processor/Underwriter/Closer City, STATE, 01/2015 - 01/2016
Processed loans for CITI and SunTrust Banks; reviewed loan application and ensured that documentation was commensurate with the application in LPM, CITI Works, FPS fraud prevention systems, and Empower.
Utilized MERS, LexisNexis, Loan Estimate, The Work Number, Equifax, Sales Desktop, UDM, and MI vendor to verify data.
Ensured uniformity of borrower details, case numbers, loan numbers, and critical information with documentation.
Followed up with 3rd party vendors, appraisal management, surveyors, inspectors, homeowners' insurance, and title companies.
Updated the final HUD and closing disclosure loan fees and established escrow accounts.
Calculated front and back-end debt-to-income (DTI) ratio, W-2, 1099, self-employment, and business income figures.
Ordered verification of employment (VOE), verification of mortgage (VOM), and credit hi-lites.
Performed pre-underwriting to reduce conditions, ran Desktop Underwriter (DU) and Automated Underwriting System (AUS), and cleared conditions for final approvals.
Coordinated closing with the Closing Dept., title companies, attorneys, and borrowers and facilitated transfer of loan proceeds.
Processed bankruptcy files and performed internal quality control for audits; forwarded escalations to proper departments.
Analyzed bankruptcy cases including motions for relief from stay, client documents/interaction, and coordinated hearings.
Researched discrepancies with financial figures to resolve claim objections, motions from relief from stay, Trustee final cure, payment change notices, objections to confirmation, post-petition fee notice, transfer of claims, notice and certificate of default, payoff quotes, and other disputed mortgage matters.
Directed communications with clients, debtors' attorneys, court agents, trustee offices, taxing authority, and title companies.
Drafted agreements, responses, notices, objections, motions to modify mortgage, and other documents.
Jessica Claire 2 | Page.
JNC MORTGAGE/SARATOGA HOMES - Branch Manager/Marketing Manager City, STATE, 01/2013 -
Managed loan qualification; collected identification, earnest funds, check stubs, W-2/tax returns, and bank statements.
Analyzed financials and credit reports; reviewed income and assets to determine eligibility with agency and investor guidelines.
Processed loans via AUS, DU, LP, and Calyx Point automated underwriting engines.
Calculated income for self-employed and Schedule C borrowers.
Requested and evaluated written and verbal verifications - VOEs, VOMs, VORs, tax transcripts, and credit supplements.
Served as a liaison between the broker, customers, realtors, and wholesale lenders throughout all phases of the loan process.
Initiated the title and requested appraisals, surveys, insurance binders, and closing documents from title companies.
Performed pre-underwriting on loans prior to submission to achieve minimal conditions upon approval.
Reviewed servicing files to ensure proper execution of loss mitigation activities.
Documented customers' accounts for Making Home Affordable (MHA) program guidelines for Home Affordable Modification Program (HAMP), Home Affordable Foreclosure Alternatives (HAFA), and Home Affordable Refinance Program (HARP).
Rendered foreclosure determinations, imported loan data utilizing LMA, CRM Tool, Urban Lending, I-Portal, and Salesforce.
Reviewed and verified borrower income based on paycheck stubs, VOE, bank statements, tax returns, P&L Statement Schedule C and K-1 in compliance with government guidelines.
Determined missing or incomplete requirements for the modification.
Processed mortgage loans and modifications and forwarded applications to underwriting and closing.
Identified and resolved outstanding issues with loan file, verified and organized information for defaulted mortgage loans.
LITTON HOME SERVICES - Senior Loan Counselor City, STATE, 01/2008 - 01/2010
Gathered information from mortgagors to substantiate delinquencies including income financial analysis, monthly obligations, dependents, and any other information to cure debt, control delinquencies, and prevent foreclosures.
Completed Home Affordable program packages comprised of ID, income verification, credit reports, and hardship letters.
Performed DTI calculation to establish repayment plan agreements and forbearance plans to cure delinquency status.
Counseled mortgagors on alternative programs (deed in lieu of foreclosure, pre-foreclosure sales, and loan modifications) to avoid foreclosure when workout plans are not a viable option.
Updated account via LSAMS, MOD Track, Radar Gold, and Advantage.
Trained loan counselors, delegated tasks, submitted timesheets, scheduled team meetings, attended training, and led meetings.
Worked a 5-month Goldman Sachs Overflow Queue Project; recommended modification plans, set up principal reduction settlements, offered pay down accelerator program, and ACH sign-up.
Maintained collection records in the RADAR collection system in accordance with company policies and state, federal, investor, VA, and FHA regulatory guidelines.
Handled inbound and outbound calls to collect payments on 30/60/90+ days' delinquent accounts using the Davox Dialer System.
Affiliations
Houston Association of Realtors | Texas Association of Realtors | National Association of Realtors
National Association of Mortgage Underwriters | National Association of Review Appraisers and Mortgage Underwriters
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Certified Master Mortgage Underwriter, National Association of Mortgage Underwriters
Certified Loan Processor, AllRegs Academy of Ellie Mae
Certified Residential Underwriter, Mortgage Banking Association
Certified FHA Credit Examiner, National Association of Mortgage Underwriters
