Deborah Rust Email & Phone Number

O'Fallon, Il, Us

Swansea, Illinois

After starting in my father's business at the age of 19, I am now twenty-two years vested in lending and I love it! Having worked my way from receptionist to processor, underwriter to closer, as well as helped in post closing and secondary market sales, I feel fortunate to have a very well rounded knowledge of the industry. I currently assist two originators for New American Funding in our Swansea location and work with dozens of realtors throughout the Metro East and St Louis area. I always strive to provide service mirroring the New American model, which I love! My focus continues to be on helping potential borrowers stay informed throughout the process and helping my referral partners reach their goals. I am fortunate to have a staff in operations that is second to none and I get to stay involved in the loan process from beginning to end as I remain the point of contact for borrowers, agents, title companies as well as the ops team working behind the scenes. I keep everyone up to speed on the status of each loan and can be reached at all hours of the day. Communication is key and I strive to ensure that everyone involved in the process has a pleasurable experience so they become customers for life.

O'Fallon, Illinois

With over twenty years experience in mortgage lending, I am now assisting three multi-million dollar originators and working with dozens of realtors throughout the Metro East, giving clients the absolute best service possible. My focus is on helping clients reach their goals in the best way for them as every person's situation is unique. I am one of the first people you will get to know throughout the process and will follow the loan all the way to closing. I remain the point of contact for borrowers, agents, title companies as well as the ops team working behind the scenes. I keep everyone up to speed on the status of each loan and can be reached at all hours of the day. Communication is key and I strive to ensure that all tasks involving the processing and closing of our loans are completed efficiently and on time.

Fairview Heights, Il

Highly productive, proactive mortgage loan consultant with strong processing, underwriting and closing experience. Outstanding knowledge of the financial industry. Enthusiastic ability to interpret complex and varied consumer situations to recommend appropriate determinations for loan origination and implementation. Exceptional multi-tasking skills, strong organizational abilities, and proven loyalty demonstrated through established work experience and impressive skill sets. Determined personality.

Creve Coeur, Mo

Well rounded background in residential mortgage lending/sales as well as: Customer Relationship Management Pipeline Management Financial and Credit Risk Evaluation Property Appraisal Review and Approval Microsoft Office Suite Experience Closing Coordination and Implementation Quality Control Loan Processing Underwriting Approval and Recommendations New Employee Training

Creve Coeur, Mo

Assisted third highest grossing loan officer through pre-qualifications, analyzing credit, capacity and collateral of borrowers and interaction with referral sources.Resolved marginal transactions by offering borrowers alternative means of financing set forth by other company approved investor guidelines.Collaborated with borrowers, title companies, real estate agents and loan officers to ensure every aspect of the loan process was met through extensive counseling and scheduling tempered with a smooth flow of production.

O'Fallon, Il

Analyzed income, job stability, and future earnings to ensure borrower had the ability to repay the loan.Identified the borrower had demonstrated the ability to accumulate assets by history of good debt management.Evaluated offsetting factors when ratios or credit history were not within established guidelines.Examined property appraisals by adjusting comparable sales, adding, waiving or deleting repair requirements or requesting additional information.Collaborated with title companies to compute and prepare closing figures and documents such as HUD-1 Settlement Statements and other legal exhibits.Consistently #1 processor and closer for the branchFINANCIAL MANAGEMENT CERTIFICATIONS FHA CHUMs Underwriter - 2006Approved to process, underwrite and close FHA Mortgages after completion of 10 rigorous case studies.VA Staff Appraisal Reviewer (SAR) under LAPP program - 2008Completed comprehensive training and case studies receiving approval to underwrite VA mortgages and appraisals.