Ishwar Jangam Email and Phone Number

Driven US Mortgage Underwriter with 3+ years of experience, successfully executing results in ATR, 4Cs and TRID. Good working knowledge of all 4 Cs of Underwriting (Credit, Capacity, Collateral and Capital). Deep knowledge of FHA, VA, Fannie Mae and Freddie Mac guidelines. Ability to calculate all income types (e.g. wage earner, rental income, retirement, self-employed). Ability to compute DTI, LTV, CLTV calculations following program guidelines and ATR requirements.