Brad Osburn Email & Phone Number

Houston, Tx, Us

Texas, United States

Work with 150 plus distressed mortgages. Present homeowner with Loss Mitigation workout solutions such as short and long term forbearance, mortgage modification, repayment plan, reinstatement following Waterfall in investor interest. Work with customers who have foreclosure sale pending, work through liquidation options and exit strategies. Certified with all investors and submission for workout approval.

Remote - Houston, Tx

Jumbo Non-QM underwriter. Underwrite mortgage loans for sale to multiple investors. Underwrite all income types to investor guidelines. Use of business cash flow analysis to support self-employed income. Work with sales partners to bring a successful result to the customer. Consult with sales on difficult files to bring about a seamless close with minimal impact to customer service.

Phoenix, Arizona, United States

Charlotte, North Carolina Area

Single signature authority to $2 million. I underwrite loans Held For Investment in the Bank’s portfolio in Private Mortgage Banking for high net worth and very high net worth customers. Customers often have multiple Bank relationships in Wealth Management or Business Banking. Have experience underwriting loans to $10 million with second signature review. Non-conforming loans to high net worth individuals with complex asset and income situations including customers with multiple S-Corps, Partnerships, C-Corps and income from Trusts and Asset Dissipation. All underwriting is manual underwriting with a broad range of discretion with an eye to investment quality loans. Manual underwriting of corporate business income with an emphasis on small to medium size businesses. Manual review and underwrite of business funds as assets to close as well as a manual review of assets as income (asset dissipation). Trained and certified to underwrite in the Financial Reform environment as well as underwriting to Qualified Mortgage rules.

Plano, Tx

Corporate Underwriter with Level 6 lending authority. Single signature authority up to $2 million. Loans above $2 million require investor second signature. Non-conforming product. Loans to high net worth individuals and self employed borrowers with multiple layers of Corporations, S Corps and Partnerships. Extremely complex asset structures including collateral held in trust, LLC's held in trust and other complex structures of asset allocation. Manual underwriting of all loans with significant, complex and detailed justification for lending decisions. Very high level of scrutiny on lending decisions from corporate QA/QC.

Plano, Tx

Underwriter III with single signature authority to $1 million. Mortgage insurance delegation, Conforming held for sale and jumbo held for investment. Portfolio and FNMA underwriting. Delegated for all loan types and all borrowers. Recently recognized by Capital One senior management as a consistent leader in Home Loan Operations.

Dallas/Fort Worth Area

Bachelor Of Applied Science (Basc)

Bs, Journalism