Heather Vitale Email & Phone Number

Dallas, Texas, United States

• Work to clear all Investor conditioned items to insure loan is purchased in a timely manner.
• Pull Purchase Advice from Investor websites and input information into the WLS
• Ensure FHA, VA & Rural Housing premiums have been paid and loans are insured timely
• Prepares package if selected by HUD to send to the local HOC
• Perform FHA Servicing Holder Transfers via FHA connection
• Training of new team members on the process of disclosing initial CDs and COC CDs

Dallas, Texas

• Prepare and send initial Closing Disclosure (CD) to required parties within the required timelines.
• Perform data input and verification from file data.
• Responsible to ensure accuracy of preliminary CD with loan programs and compliance requirements (i.e., NPS and Second Borrower Set).
• Handle Change of Circumstances (COCs) by identifying changes required to be addressed on COC forms and prepare to send to all parties

Frisco, Texas

• Monitored daily reports for Retail and TPO loans to ensure closing dates occurred on time
• Set up, complete order outs for loan submission packages
• Prepared documents for underwriting by verifying client income, assets, credit reports, etc
• Validate loans in automated underwriting systems including DU LP and GUS and submit to Underwriting
• Verified accuracy of documents received and determined that the underwriting conditions were satisfied
• Reviewed credit and closing packages submitted by Correspondents

Plano, Texas

• Prepare and review daily reports to confirm all disclosures have been processed within 3 days to ensure compliance.
• Responsible for determining if re-disclosures are required and the reason for the change of circumstance
• Training of new team members on the process of disclosing
• Ordering of correct appraisal forms in Mercury Network
• Manage the fee panel of Real Estate Appraisers
• Handle inbound and outbound calls to Loan Officers and Appraisers

Plano, Texas

• Review of contracts and scope of work from Construction General Contractors for individual projects.
• Prepare request for insurance certificates and endorsements.
• Assist with estimating, including downloading of architectural plans and specs, typing bid proposals and obtaining wallcovering and special product pricing.
• Preparing submittals for field use, including request of product data and paint samples from approved Suppliers
• Accounts Receivables, including monthly billing collections and bank deposits.
• Weekly expense checks and hotel reservations.

Richardson, Texas

• Reviewed and analyzed fraud detection reports and appraisal review summaries to identify potential fraud.
• Verified accuracy of documents to ensure Underwriting conditions were met and satisfied.
• Validate loans in automated underwriting systems including DU and LP.

Richardson, Texas

• Reviewed Correspondent files for completeness and accuracy to determine if loan documentation met compliance guidelines.
• Input and verified loan data in LOS.
• Work closely with Correspondent Clients to obtain additional documentation required for purchasing.
• Evaluated HUD settlement statement for correct calculation of taxes/insurance and aggregated escrows.

Richardson, Texas

• Responsible for scheduling of loan closings.
• Interaction with Brokers regarding loan closings, obtaining required documentation and answering questions.
• Preparation of loan closing documents and appropriate state disclosures as necessary.
• Review of title commitment, insurance certificate and survey for accuracy.
• Maintain accuracy of all closing screens in LOS prior to funding.
• Calculated wire summary and submitted funds to the Title Company for disbursement to Client.

Richardson, Texas

• Preparation of mortgage loan file, review of loan application and additional borrower documentation.
• Obtaining additional documentation from Client prior to submitting to UW.
• Verification of documentation for accuracy and completeness, enter additional data in LOS.
• Execute closing actions to ensure a timely and effective closing process.
• Processed and cleared suspense conditions for loan approval.

Richardson, Texas

• Verified borrower's loan application and input information in LOS.
• Ordered flood determination certificates and credit reports from third party websites.

Richardson, Texas

• Prepared and distributed pipeline reports to Account Executives daily.
• Assisted Clients with Client registration using Emagic.
• Reviewed Broker application packets for accuracy and forwarded to Client Relations for processing.
• Prepared weekly expense checks for Account Executives and Sales Managers.