Next Generation Home Loans Mortgage Brokerage Home of the 1% down Conventional loan. Ask about it today!

I have been in the mortgage industry 6+ years. First Time Buyer SolutionsDown Payment Assistance programsCONV, FHA, VA, USDA.Credit RepairLow FICOI also work with the seasoned Real estate Investor on portfolio financing, unlimited properties and financing that maximizes cash flow and portfolio growth.

Responsible for preparation and/or review of initial disclosures. Product and Loan registration for submission and preparation to lender. Loan submission to lenders, conditions retrieval and closing responsibilities. Member of operations team to identify opportunities to stream line processes and procedures in order to maximize efficiency while reducing processing and lender approval turn times.*Process: Conventional, FHA, VA, USDA purchases and refinance loan transactions.*Receive Calyx Point or FNM 3.2 File*Prepare Point initial 1003, disclosures as well as required lender and broker disclosures*Receive customer documents, stack file and submit to lender*Work files and conditions for Clear to Close. Submit Doc order requests and confirm closings with title.*Review HUD1 for final approval and ensure all fees are done properly. *Collect all funding conditions*Collect signed documents and stack closed file for Audit.*Prepare loans for Correspondent funding*Collect purchase advise and receive authorization for funding on Correspondent financed loans

*Process: Conventional, FHA, VA, USDA purchases and refinance loan transactions.*Receive Calyx Point or FNM 3.2 File*Prepare Point initial 1003, disclosures as well as required lender and broker disclosures*Receive customer documents, stack file and submit to lender*Order all 3rd party documents including: Title, Insurance, VOD, VOM/R, VOE's, WVOE's, Credit supplements, Payoffs.*Work files and conditions for Clear to Close. Submit Doc order requests and confirm closings with title.*Review HUD1 for final approval and ensure all fees are done properly. *Collect all funding conditions*Collect signed documents and stack closed file for Audit.January 2014 closed 11 units for $2.14 Million Funded Dollars

*Origination and processing of Conventional, FHA, USDA, VA residential Home loans

Receive initial loan documents and 1003 in an efile. Audit documents received for compliance and overall file completeness. Prepare report for Senior processor with status and needed documents. Request preliminary title report, Insurance updates and initial VOE's. Create electronic borrower folders on server and load documents to Calyx. Update Lender, title and insurance information in Calyx Point.

Process loan from initial application through to funding. Processing of conventional refinances to include communication and acquisition of documents from the customer. Mange the order and receipt of all third party documents. Work file for Clear to Close. Review of the HUD1 with the customer. Audit prepare and collect any funding conditions, closing documents and monies due to lender collected at closing.

Qualitative review of home mortgage loan files to ensure quality of documentation. Analysis of received documents and audit of residential loan files for a National Bank. Verify all HMDA and other lending disclosures and notifications were dispersed within Federal Guidelines. Process of Hamp, Non-Hamp, DOJ, VA and FHA Loan Modifications.

Lead and oversee the daily operations and activities of company; sales, staff administration, finance, costing, staff training, and office administration. •Oversee the activities of all staff, to include the coordination and facilitation of training.•Evaluate and analyze the sales and conversion rate for technicians and technician sales grading. •Provide continuous improvements in regards to costs, a new software system and new inventory processes. •Review company financials and participate in management decisions regarding costs, revenues and sales.•Analyze client feedback and improve customer service through policy and procedure enhancements. •Execute office management and administrative duties to include answering multi-line phone systems, filing, report creation and data entry.•Manage and monitor inventory by checking discrepancies on quantity, packaging, and product quality. •Create and prepare a variety of materials including letters, purchase orders, memoranda, financial and confidential reports, and spreadsheets; manage and maintain calendars, itineraries, and agendas.•Handle and address all customer questions and service/product inquiries. •Maintain awareness of all economic and vital statistic standings in order to assess and accommodate strategic changes in business initiatives.

Executed duties of Origninating loan officer and promoted to Customer Care Retention Division within 6 months; evaluated loan applications for errors or potential opportunities to retain applicants by offering better loan products. Solicited new business from present and prospective customers, interviewed applicants, and maintained ongoing business relationships with present customers in order to take advantage of additional cross-selling opportunities. Maintained a thorough knowledge of the features and benefits of all bank products and services in order to ascertain customer needs and sell in conjunction with these needs. Recognized as #1 in sales for the Denver area in December 2005.Achieved Top 10% in company for the months of Jan, Feb, and March.Invited to and participated in top performer training and sales success group.

CertifiedManaged the coordination and facilitation of new manager training workshops regarding the operation of their FOH operations, and evaluating FOH employees on skill, efficiency and knowledge. Trained, evaluated and graded newly hired employees on readiness and capabilities during training and initial probationary period. Partnered with management in the review. hiring and evaluation of prospective FOH employees. Participated in the rebuilding and implementation of a new company wide training manual. Supervised and oversaw the daily activities of up to 15 FOH and BOH staff; handled all scheduling of FOH employees. Achieved a Top 5 ranking on weekly sales goals; recognized as a consistent performer in sales contests.Achieved status of highest rated trainer on evaluation at location.