Eric Carpio work email
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Eric Carpio personal email
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As an experienced mortgage professional for 35 years, I have excellent experience with origination, processing, underwriting and closing of both retail & wholesale mortgage loans. I possess mortgage finance background which I acquired in my 35 year career. Started my first job at 21 yrs old at Old Stone Bank in 1986 as a Appraisal Processor. I possess comprehensive businessKnowledge have used these skills to review and evaluate business practices on a regular basis. I alsohave processed and underwritten and managed team members for New Construction, Renovation, Purchases & Refinance products. In my previous positions I have always been a leader on my team &the Subject Matter Expert on various topics. I have managed, trained and on boarded new employees. I consistently exceed company set monthly goals and expectations and maintain great working relationships with both my internal and external customers and have an innate ability to react tochange productively and handle all essentials tasks as assigned. Also monitor pipeline, integrity of pipeline.Como profesional hipotecario experimentado, tengo excelente experiencia originando y procesando cierres de préstamos hipotecarios minoristas y mayoristas. Poseo conocimiento y habilidadaes en negocios integrales, para revisar y evaluar las prácticas comerciales de forma regular. Suscrito y gestionado miembros del equipo para la nueva construcción y renovación de compras y refinanciación de hipotecas. considerandome un excelente líder de trabajado en equipo yexperto en la materia en varios temas. Estoy capacitado para abordar nuevos empleos, paraexceder constantemente las metas y expectativas establecidas por la compañía manteniendo un buen trabajo. Con excelente relacion hacia el cliente interno y externo,teniendo la capicidad innatapara relacionarme productivamente , manejando todas las tareas esenciales según lo asignado.
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Chief Executive OfficerHome Solution Consultation. Aug 2024 - PresentConsultant for conventional, VA, FHA and USDA and first time homebuyers.
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Spanish InterpreterSpanish Interpreter Jul 2022 - PresentProvide bilingual interpretation for patients. -
Sr Mortgage ProcessorLoandepot Jun 2020 - Sep 2024Irvine, California, Us -
Adminstrative ManagerU.S. Air Force Reserve Jul 2010 - Aug 2024Robins Afb, Ga, UsAdministrative TSgt for 920th Maintenance Command, Customer Support Staff for Commander. In charge of Newcomers Program per Commander and administrative duties and UTAPs coordinator. -
Assistant Processing ManagerDigital Risk Sep 2016 - Jul 2024Maitland, Fl, UsMonitor mortgage pipeline. Adjust pipeline distribution based on volume equally. Monitor Reg B, time lines and problem resolution. Train new processors. New product training. Review complex loans. Run reports on loans submitted to processors, underwriters and closing. Monitor reports reflecting loans assigned to processors and turn around times. Also initial contacts of borrowers by the processor. Interface with executive management. Delivering timely and accurate information in a fast-paced environment. Working knowledge of FANNIE, FREDDIE, FHA and VA Guidelines. Proficiency in use of computers and software. Conduct regular meetings of team to communicate mutual understanding and site goals and objectives. Run reports for quality, errors and service delivery. -
Sr Mortgage ProcessorSuntrust Sep 2015 - Jul 2016Charlotte, Nc, UsProcess VA, FHA and Conventional residential mortgage loans. Review loan applications and requested documents and/or explanations from the borrowers where required. Order third party verifications such as credit reports, VOE, VOD, Title, Appraisal and Homeowners insurance certificate. Analysis of DTI, LTV, CLTV income and review appraisal. Review credit report for any delinquencies and discrepancies. Review of GFE. Ran DU-LP for findings. Review GFE and New TRID guidelines that were implemented. Submit loan file to Underwriting. Obtain conditions from borrowers. Notify branch when Loan has been approved. Mail loan commitment letter to borrowers. Order mortgage payoff and Subordinations; internal and external. Maintain communication with the borrower on loan status and inform when loan is either approved or declined. Complete loan package and submit to closing agent. Coordinate closings. -
Sr Mortgage ProcessorDigital Risk Feb 2013 - Sep 2014Maitland, Fl, UsProcessed Syndicate, Conventional Residential Mortgage Loans. Registered new loan applications and locked when requested by the MLO. Review loan application. Analysis of DTI, LTV/CLTV, income. assets and review appraisal. Ordered third party verifications: Credit Report, VOE, VOD and Homeowners insurance certificate. Completed verbal employment verifications. Ran DU-LP for findings. Review of GFE. Submit conditions to underwriting. Order mortgage payoff and Subordinations (internal and external). Communicated with MLO regarding borrower’s approval/denial loan status. Complete loan package and submit to closing agent. Coordinate closings. -
Loan Document Specialist 4Wells Fargo Home Mortgage Oct 2012 - Feb 2013San Francisco, California, UsProcessed FHA and Conventional residential mortgage loans. Reviewed loan applications and requested documents and/or explanations from the borrowers where required. Ordered third party verifications such as credit reports, VOE, VOD, Title, Appraisal and Homeowners insurance certificate. Analysis of DTI, LTV, CLTV income and review appraisal. Review credit report for any delinquencies and discrepancies. Ran DU-LP for findings. Submit loan file to Underwriting. Obtain conditions from borrowers. Notify branch when Loan has been approved. Mail loan commitment letter to borrowers. Order mortgage payoff and Subordinations; internal and external. Review GFE and balanced all loan fees and loan amount, prior to submitting loan to closing. Maintain communication with the borrower on loan status and inform when loan is either approved or declined. Complete loan package and submit to closing agent. Coordinate closings.. -
Sr Mortgage Processor/Loan Set-UpSuntrust/Aerotek Oct 2010 - Aug 2012Processed Mortgage Loans. Maintained daily pipeline report on Excel spreadsheet and assisted Loan Set up department. Reviewed loan applications for analysis of DTI, LTV/CLTV to be within program guidelines. Ordered third party verifications (Credit reports, appraisals, VOE, VOD and Homeowners insurance certificate). Ran DU-LP for findings and submitted to Underwriting for decision. Complete loan package and submit to closing agent. Notify branch when loan has been approved. Ordered Subordinations internal and external. Wired Funds to closing attorney. Ordered Title and Appraisal through Realec.
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Command Support StaffAir National Guard Dec 2009 - Jun 2011Horsham, Pennsylvania, UsAssigned to 125th Fighter Wing Florida National Guard. Administration support for members and Pilots of F-14 fighters jet. Knowledge Operations Management. -
Sr Mortgage Processor/Mortgage Credit AnalystUsaa/Millenium Group Sep 2010 - Dec 2010Processed Mortgage Loans. Maintained daily pipeline report on Excel spreadsheet. Reviewed loan applications for analysis of DTI, LTV/CLTV to be within program guidelines. Ordered third party verifications (Credit reports, appraisals, VOE, VOD and Homeowners insurance certificate). Ran DU-LP for findings and submitted to Underwriting for decision. Submission of loan in DU automated system (FANNIMAE). Review GFE and Fees associated with loan. Complete loan package and submit to closing agent. Ordered Subordinations internal and external. Ordered Title and Appraisal through Realec. Submitted approved loans to Closing Department and coordinated closing with Borrowers.
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Sr Loan Coordinator/BilingualJpmorgan Chase & Co. Mar 2010 - Sep 2010New York, Ny, UsProcessed Syndicate, FHA and Conventional Mortgage Loans. Reviewed loan applications for analysis of DTI, LTV/CLTV to be within program guidelines. Ordered third party verifications (Credit reports, appraisals, VOE, VOD and Homeowners insurance certificate). Review GFE and all fees associated with mortgage loan. Order CAIVRS and Case numbers for FHA Loans. Completed LDP/GSA, FHA Appraisal logging, Case Query through FHA Connection. Ran DU-LP for findings and submitted to Underwriting for decision. Complete loan package and submit to closing agent. Notify branch when loan has been approved. Ordered Subordinations internal and external. -
Mortgagee ProcessorImc Mortgage, Fleet National Bank, Greenpoint Mortgage, Citizens Bank Jan 2000 - Jul 2009Worked for the following Lenders: IMC Mortgage, Fleet National Bank, GreenPoint Mortgage and Citizens Bank in the New England area and taking time off for military service.
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Admistrative Sergeant S-1 43D Mp BdeArmy National Guard Jun 1997 - Jun 2006Arlington, Virginia, UsAdministrative Sergeant. Maintained military records, typed orders, evaluations and awards. Trained new military personnel. Updated alert roster. Handled military correspondence and desiminated information to personnel plus command. Announced phone calls over PA intercom for Brigade. -
Mortgage Loan ProcessorFleet Mortgages Jan 1999 - Dec 2000Fleet, Hampshire, GbProcessed FHA and Conventional Mortgage Loans. Reviewed loan applications for analysis of DTI, LTV/CLTV to be within program guidelines. Ordered third party verifications (Credit reports, appraisals, VOE, VOD and Homeowners insurance certificate). Review GFE and fees associated with mortgage loan. Order CAIVRS and Case numbers for FHA Loans. Completed LDP/GSA, FHA Appraisal logging, Case Query through FHA Connection. Ran DU-LP for findings and submitted to Underwriting for decision. Complete loan package and submit to closing agent. Notify branch when loan has been approved. Ordered Subordinations internal and external. -
Administrative AssistantUnited States Army Reserve May 1984 - Jul 1992Fort Liberty, Nc, UsAssigned/member of the 455th General Hospital. Served as S-1 assistant. Maintained military alert roster. Coordinator for retirement point system cards. Generated ID for new personnel through DEERS. Typed awards and military correspondence. Maintained records for unit. -
Appraisal ProcessorOld Stone Bank Jun 1986 - Jan 1989Ran Nixdorf computers system. Changed disk and backed up data. Printed appraisal reports on three hyterm typewriters. Ordered comparables through vendor. Sent rolls of film to develop at Kodak. Input data for appraisals reports for residential and commercial inspection completed on field cards or forms. Customer service for internal and external clients.
Eric Carpio Skills
Eric Carpio Education Details
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Valencia CollegeComputer Science -
U. S. Air ForceKnowledge Management -
U.S. Air Force Institute Of TechnologyIndustrial Electronics Technology/Technician -
Community College Of Rhode IslandGeneral -
Real Estate Education And Development InstituteReal Estate -
U.S. Army School Of Advanced Military Studies (Sams)Nco Leadership Training -
U. S Army 71 Lima SchoolAdministration -
William E. Tolman High SchoolCollege/University Preparatory And Advanced High School/Secondary Diploma Program -
Army 71LimaAdminstration
Frequently Asked Questions about Eric Carpio
What company does Eric Carpio work for?
Eric Carpio works for Spanish Interpreter
What is Eric Carpio's role at the current company?
Eric Carpio's current role is Assistant Mortgage Manager.
What is Eric Carpio's email address?
Eric Carpio's email address is er****@****hoo.com
What schools did Eric Carpio attend?
Eric Carpio attended Valencia College, U. S. Air Force, U.s. Air Force Institute Of Technology, Community College Of Rhode Island, Real Estate Education And Development Institute, U.s. Army School Of Advanced Military Studies (Sams), U. S Army 71 Lima School, William E. Tolman High School, Army 71lima.
What skills is Eric Carpio known for?
Eric Carpio has skills like Mortgage Lending, Case Management, Mortgage Banking, Crisis Intervention, Credit, Loan Origination, Loans, Customer Service.
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