Heather Vitale Email & Phone Number

Allen, Tx, Us

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• Manage 4 team members with an estimated monthly pipeline of 400 initial CDs issued.• Registering and Transferring of MERS

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• Ensure compliance with company policies, underwriting guidelines and lending-program requirements • Processed an average of 25 loans per month including Retail and Brokered loans

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• Review appropriate documentation for submission for condo approval• Communicate and work with Third Party Company to retrieve Fannie or Freddie condo approvals in a timely manner

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.• General office duties and administration tasks.• Daily purchase orders for project material and pricing

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.