Luis R. Email & Phone Number

Miami, Fl, Us

Miami, Florida, United States

Remote

• Managed an average pipeline of 40 loans, closing an average of 2 to 3 loans a day or 50 a month• Responsible for sending the initial closing disclosure in accordance with TRID rules• Reviewed files and loan documents to ensure accuracy and compliance with underwriting and government guidelines, investor and company overlays, and lending program requirements• Coordinated loan closings with title companies and attorneys, and collaborated with them to balance the closing disclosures… Show more • Managed an average pipeline of 40 loans, closing an average of 2 to 3 loans a day or 50 a month• Responsible for sending the initial closing disclosure in accordance with TRID rules• Reviewed files and loan documents to ensure accuracy and compliance with underwriting and government guidelines, investor and company overlays, and lending program requirements• Coordinated loan closings with title companies and attorneys, and collaborated with them to balance the closing disclosures with final figures• Prepared and delivered closing packages• Balanced wire amounts and requested wire transfers Show less

Coral Gables, Florida, United States

• Handling the loan opening, processing, and closing stages of all files on an average pipeline of 20 to 25 loans, closing an average of 15 loans a month• Analyzing borrowers’ financial statements, collateral records, tax returns, and credit reports, calculating income, and assessing strengths and weaknesses in the file to properly structure it• Running DU or LP to confirm qualification• Ordering and reviewing appraisal reports, tax transcripts, verifications of employment, title… Show more • Handling the loan opening, processing, and closing stages of all files on an average pipeline of 20 to 25 loans, closing an average of 15 loans a month• Analyzing borrowers’ financial statements, collateral records, tax returns, and credit reports, calculating income, and assessing strengths and weaknesses in the file to properly structure it• Running DU or LP to confirm qualification• Ordering and reviewing appraisal reports, tax transcripts, verifications of employment, title work, insurance policies, mortgage insurance, condo questionnaires, and FHA and VA case assignments• Gathering and corroborating loan condition items from borrowers or third parties and submitting them to underwriting• Ensuring compliance with company policies, underwriting guidelines, investor overlays and lending program requirements• Responsible for sending the initial disclosures, and closing disclosures complying with TRID rules• Coordinating loan closings with title companies and attorneys, reviewing, and balancing the closing disclosures with final figures, and preparing, as well as delivering closing packages• Communicated with all parties involved in the transaction with regular updates Show less

Miami, Florida, United States

• Collaborated with loan originators, closers, and underwriters, ensuring the timely, judicious, and accurate processing of mortgage loans• Consistently processing an average of 15 to 20 loans, closing an average of 10 loans a month• Meticulously calculating applicants’ incomes, and analyzing credit histories and assets• Ran DU or LP to confirm borrowers’ qualified• Ensured loans met company policies, underwriting guidelines, investor overlays, federal and state lending… Show more • Collaborated with loan originators, closers, and underwriters, ensuring the timely, judicious, and accurate processing of mortgage loans• Consistently processing an average of 15 to 20 loans, closing an average of 10 loans a month• Meticulously calculating applicants’ incomes, and analyzing credit histories and assets• Ran DU or LP to confirm borrowers’ qualified• Ensured loans met company policies, underwriting guidelines, investor overlays, federal and state lending requirements• Requesting and reviewing appraisals, insurances, title work, condo documentation, and acquired FHA and VA case assignments• Gathering and validating loan condition items to send to underwriting for final loan approvals• In charge maintaining communication with loan officers, buyers, sellers, title companies, builders, and realtors with regular updates Show less

Guaynabo, Puerto Rico

• Cooperated with loan originators, client relationship managers, and underwriters in ordering of services and reviewing documentation needed for mortgage loans• Executed orders for SSN verifications, verifications of employment, W-2 and tax transcripts, title work, insurance policies, and condominium questionnaires• Cleared junior underwriting conditions once documentation was received and reviewed adhering to loan program requirements• Specialized in VA loans and was an author of… Show more • Cooperated with loan originators, client relationship managers, and underwriters in ordering of services and reviewing documentation needed for mortgage loans• Executed orders for SSN verifications, verifications of employment, W-2 and tax transcripts, title work, insurance policies, and condominium questionnaires• Cleared junior underwriting conditions once documentation was received and reviewed adhering to loan program requirements• Specialized in VA loans and was an author of the standard operating procedures• Acted as team lead of VA loans – trained new members and delegated responsibilities• Obtaining VA IRRRLs, ordering VA appraisals and repair completion reports, keeping spreadsheet records for underwriting, as well as for invoice payment tracking purposes Show less