Keiara Smith Email & Phone Number

Provide clients with comprehensive guidance on successful start-up of a Small Business; Review client income docs and all assets and reserves to ensure sufficient income available in Liquid reserves, for Equity Injection and PLCL; Provide SBA checklist to client and follow up with client until all documents are received. Provide detailed Review and guidance on best practices to ensure an approval from the lender; Including but not limited to Business Plans, Projections, SBA requirements. Prep all client docs into zip folder and shop the prospective business to top 100 SBA lenders for loan approval.

Process applications for various immigration programs, including but limited to; Permanent residency, Green Cards, Asylum, Work Visa’s, Adoptions.

Process a combination of FHA, VA, Conventional Loan files; Review paystubs and IRS tax documents to calculate qualifying income; Audit bank statements for balances, large deposits, and any undisclosed income; Request verifications of employment and tax transcripts; Review credit report for outstanding liabilities, tax liens, judgments, residence history, name discrepancies, and FICO score eligibility; Order payoffs, adjust loan amounts, and request Pricing Exceptions as needed; Liaison between Loan Officer, Underwriter, Funder, Appraiser, Escrow Officer; Submit completed loan file to underwriting; Complete closing call; Schedule Signing appointment between borrower and Notary; Send documents to title/escrow officer to complete signing. Audit Closing docs for accuracy; Review and Balance HUD1 for any prior to initiating funding wire.

Manage and facilitate HAFA Short Sales/CO-OP/DIL/D4L cases with HFI, SFO, FNMA, FHLMC investors; Create final modification documents to generate to the borrower; Review all incoming modification documents for accuracy, decisioning, and execution of final modification; Monitors system to ensure timely and accurate receipt of investor funds; Audits all system changes within the modification booking process; Clears suspense and requests final escrow analysis; Responsible for all foreclosure timelines/guidelines for all investors; FHA, VA, USDA, FNMA, FHLMC; Submits and monitors title recordings, monitors and tracks, working with vendors as needed; With approved program guidelines, Qualified borrower for 3k in relocation assistance.

Associates, General Studies

Hs Diploma