Heather Dowell Email & Phone Number

Fairfax, Va

•Reviewed title, homeowners, condo, flood, hazard insurance policies for accuracy; verify sellers, borrowers and lenders information is current and correct.•Prepare Closing Disclosure and reconciling title fees with settlement agents.•Review approved mortgage loan to determine conditions that must be met prior to closing.•Verify all fees are disclosed correctly and meets compliance guidelines.•Gathered closing figures, input closing information and generated loan documentations.•Deal proactively with all parties involved in the loan closing to avoid and/or resolve problems prior to closing.

Chantilly, Va

•Reviewed title work, flood certs, termite reports, hazard & flood Insurance for accuracy.•Prepare and draft final mortgage loan documents; closing instructions, loan applications, deed of trust, note, and closing disclosures.•Review all closing conditions and approve HUD-1 statements; order wires, release funds. and authorization to disburse to settlement agent.•Communicate directly with processors, underwriters, title companies, and loan officers to ensure a smooth closing.•Ensure the data integrity on processing/closing system is accurate

Manassas, Va

•Accurately process VOE’s, VOM’s and other verification methods needed to verify files.•Assisted Loan Officers with all loans types, follow-ups with clients to collect all documents necessary to close loan.•Managed all loan file aspects; rate locks, ordered and reviewed credit reports, automated underwriting reports, appraisals, title work, and homeowner’s insurance.•Review loan application package for completeness and accuracy.•Responsible for gathering credit and other documents from the customer and third parties in support of the loan approval decision.•Gathered and prepared Loan Officers pay roll files for Corporate Office.