Fatima Martinez Email & Phone Number

Chapel Hill, Nc, Us

Raleigh-Durham-Chapel Hill Area

Interview clients to determine preferences in properties they are searching. Compared sales of similar properties to determine market sales in specific areas. Generated leads from networking, marketing and referrals. Prepared documents such as lease agreements, purchase contract, listing agreements. Worked diligently with Escrow Officer, loan officers and 3rd parties to assure effective and smooth closings. Review sales contracts, title commitments, chain of title, warranty… Show more Interview clients to determine preferences in properties they are searching. Compared sales of similar properties to determine market sales in specific areas. Generated leads from networking, marketing and referrals. Prepared documents such as lease agreements, purchase contract, listing agreements. Worked diligently with Escrow Officer, loan officers and 3rd parties to assure effective and smooth closings. Review sales contracts, title commitments, chain of title, warranty deed, Closing Disclosures, property taxes, homeowner's association, appraisal reports. Show less

Raleigh-Durham, North Carolina Area

* Possessing signing authority, responsible for underwriting mortgage loans to determine acceptability with secondary market standards set by the investor to ensure sale ability and sound credit quality and adhering to the requirements of federal registration under the SAFE Act. Ensure loans are in compliance with investor requirements, federal and state laws and regulations. * Performs risk assessment of credit and collateral ensuring loan sale ability and sound credit quality.… Show more * Possessing signing authority, responsible for underwriting mortgage loans to determine acceptability with secondary market standards set by the investor to ensure sale ability and sound credit quality and adhering to the requirements of federal registration under the SAFE Act. Ensure loans are in compliance with investor requirements, federal and state laws and regulations. * Performs risk assessment of credit and collateral ensuring loan sale ability and sound credit quality. * Assist management to clear conditions and expedite loan closings. * Responds to and resolves any post-closing issues to ensure loan sale ability * Thorough understanding of FHA, FHLMC and FNMA underwriting guidelines · Approve loan amounts of 417,001. Underwrite average 5 new underwrites daily. * Validate all income and asset documentation, review of appraisal, title report, private mortgage insurance, derive factual qualifying income (self-employed, wage earners, etc.) funds to close and reserve amounts based on proven information. Show less

* In charge of new loan originations: o Collect all documentation required for approval (income, assets, etc…). o Run applications by DU/LP prior to submission to 3 party underwriter for final review. o Discuss approvals with members and collect any missing documentation. o Order all required reports (appraisals, title, surveys, change in insurance etc…). o Coordinate closings with all involved (realtors, members, title companies).… Show more * In charge of new loan originations: o Collect all documentation required for approval (income, assets, etc…). o Run applications by DU/LP prior to submission to 3 party underwriter for final review. o Discuss approvals with members and collect any missing documentation. o Order all required reports (appraisals, title, surveys, change in insurance etc…). o Coordinate closings with all involved (realtors, members, title companies). o Order Wires for funding of all real estate loans. o Stack loans in order desired and put together for filing and imaging department. * Land Loans—from origination, underwriting, to preparing closing documents and funding of loan. These loans are all done in house by mortgage specialist/underwriter. * Daily maintenance of internal mortgage rate sheets. * Training of all Branch personnel to familiarize what mortgage products CU offers. * Coordinate with Marketing Department to put together promotions to derive new loans. * Assist Management in Mortgage Department Loan Audits by reviewing loans prior to audit, putting together reports required, and assist Auditor with any information needed while conducting Audits. Show less