Eric Patten Email & Phone Number

Huntington Beach, Ca, Us

Santa Ana, California, United States

Responsible for the entire RESPA Specialist function, including clearing all relevant tasks as well as all customer service dialogue with relevant parties.• Review new loan registrations for accuracy.• Ensure the loan is compliant, resolve Compliance Ease Fails, and disclose within the proper timelines.• Verbal and written correspondence with all parties.• Re-Disclose the loan within proper timelines.• Ensure all fees, taxes, and insurance are disclosed within state/federal guidelines.• Follow TRID rules set out by the CFPB.• Determine valid changes of circumstance.• Aids RESPA Team Lead and Team Manager with rush requests or priorities and complete them in a timely manner.

14511 Myford Road, Suite 100, Tustin Ca 92780

Generate and review Loan Estimates (LE), Closing Disclosures (CD), and Change of Circumstance (COC) forms in compliance with regulatory requirements, ensuring accuracy.Identify, organize, and track all loan files and related documents received, maintaining completeness and accuracy.Monitor and enforce timely disclosure practices, ensuring initial disclosures are sent within the required timeframe.Responsible for updating and re-disclosing documents in response to changes of circumstances, such as loan amount modifications, re-locking due to interest rate changes, and program adjustments.Utilize loan origination software, such as Encompass, for efficient disclosure processes and to maintain accurate information.Demonstrate strong attention to detail in reviewing and analyzing mortgage disclosure documents, ensuring precision and compliance with industry standards.

Orange, California

Reviewed Owners & Encumbrance reports and Limited Owners & Encumbrance reports to ensure they matched the county records/supporting documents and reported errors to the vender for corrections.Requested title policies, assignment searches, document searches from venders and managed the order to completion; including opening orders, receiving, reviewing, correcting, invoicing and billing.Created assignments to be submitted to the county clerk’s/recorder’s office to record. Contacted attorney’s to create state specific assignments. Created allonges to include in the collateral package to follow the title chain.Contacted banks/mortgage companies/servicers for processing of assignments and to sign them in order to fulfill the requirements for recording.Provided support and assistance to several other team’s projects in order to meet department goals and deadlines.

Irvine, Ca

• Ordered and retrieved preliminary titles reports and foreclosure deeds from specified closing companies. • Reviewed preliminary titles reports and communicated title issues to the asset managers and closing companies to assure these issues we be cleared prior to auction.• Managed and reviewed daily reports containing specified data from the closing offices or vendors to ensure accuracy.• Retrieved foreclosure deeds and other documents from the closing companies and searched online county websites for required recorded documents.

Irvine Ca

• Examined and graded the TSG/Foreclosure Reports to show all issues needed to be cured. • Cured the senior money issues from LPS and National issued TSG/Foreclosure Reports to insure a low risk foreclosure process. • Requested indemnities, title policies and filed claims from title companies and requested releases/reconveyances/satisfactions from banks/beneficiaries/county clerks/registers to cure senior money issues.• Contacted foreclosure attorney’s/title curative technicians to obtain foreclosure deeds and various other documents required for the REO/Foreclosure process.• Followed LPS issued and state polices and guidelines.• Updated reports and the LPS system to provide detailed notes and guidelines.

Orange County, California Area

• Minimized AMC’s risk exposure and protected AMC’s lien position by performing the collateral audit while following company, state, and federal requirements.• Reported all findings to management that affected AMC’s lien position and/or security instrument and resolved deficiencies in relation to the collateral resolution audit functions/results.• Assisted in the summary and reported these findings in a detailed monthly and quarterly analysis indicating deficiencies and trends occurring within loan processing units and all organization sources.• Coordinated delivery of file flow to the department; updated and maintained inter-department loan tracking system to reflect current status of all outstanding errors and documents, reported and maintained all findings utilizing various methods of reporting with daily maintenance.• Performed miscellaneous trend/analyses/audits/projects. Was the project manager on countless projects.

Orange County, California Area

• Managed the fifth highest sales store in the company, controlled all aspects of employee/store management including hiring, payroll, sales, store layout design, controlled expenses, and provided project management and leadership training.• Provided Administrative support for 14 stores throughout California, Arizona, and Ohio. Was the communication link between the District manager, the corporate office, and the individual store.• Tracked payroll and sales information, controlled expenses, ordered supplies and products, provided daily conference calls/meetings, and coordinated management meetings for the district.• Led multiple sales meetings for new and current products, gave advice on sales technique and provided product information to all stores throughout the district.

Orange County, California Area

• Helped Increased the Westminster store location from a B-level sales volume store to an A-volume store and the Cerritos store location from a D-level sales volume store to a B-volume store.• Was in control of all Inventory Volume in the store (receiving and shipping out products, ordering products, inventory counts, and tracking sales)• Led multiple sales meeting for new and current products with the store staff and other store managers.