Johnny Houn Email & Phone Number

United States

Run Credit Reports, verify Fico Scores, verify Income via Tax Returns, Payroll & employment letters.Calculated income, assets, and liabilities to meet lender requirements.Review initial application of the 1003, confirm program and rateReview AUS for DU/LP approval prior to submitting to underwriting.Order services from 3rd party vendors such as FHA Case #, Ernest, Caviars, SSN VerificationGenerating the Loan Estimate with state guideline using P.E.N.C.I.L documents. (Average 30 loans daily)

Read Title documents such as deeds, mortgages, deeds of trust, lines, judgments, restrictions, and plat/maps to determine ownership.Manage my own pipeline of files on average of 30-40 loans any given time.Retrieve Tax information for property to confirm all current taxes were up to date.Generate initial CD for Title/Escrow company to balance final fees.Responsible for providing closing agents with loan closing documentation, average 6-8 a day.Review signed closing packages for completeness and post-closing.Operate in compliance with laws and state/federal regulations.Calculated income, assets, and liabilities to meet lender requirements.ALTA Settlement Statements per closing instructionsObtain Pay off letters, updates on liens releases/taxes.Work with title to obtain Prelim/Title Policies and Proformas to order proper endorsements and requirements to clear items to secure collateral position.Prepare Power of Attorney Documents, if neededVerify account numbers for wire transfer, then fund approved loans.

Review and analysis of mortgage broker’s initial loan submission to lenderValidation of dates, loan estimate fees, invoices, settlement statements, and compliance checksCommunication with broker resolving any issues with initial submissionReview each loan with a change of circumstance prompt in the LOS daily to determine whether revised disclosures are required or whether the prompt could be cleared