Mike Johnson Email & Phone Number

o Conducted quality control audit reviews on 10-15% of all closed FHA, Rural Development, and conventional loans to confirm all qualifying documents, approval decisions, and final closing documents are genuine, accurate and complies with both company guidelines and current government regulation.o Reported audit review findings including any underwriting issues, fraudulent practices, or negative trends. o Consulted underwriting management and compliance officers with the implementation… Show more o Conducted quality control audit reviews on 10-15% of all closed FHA, Rural Development, and conventional loans to confirm all qualifying documents, approval decisions, and final closing documents are genuine, accurate and complies with both company guidelines and current government regulation.o Reported audit review findings including any underwriting issues, fraudulent practices, or negative trends. o Consulted underwriting management and compliance officers with the implementation of new mortgage guidelines and government regulation into company’s underwriting policy.o Advised Repurchase and Recourse Department of potential underwriting issues and provided solutions for challenging loans that either the final investor is unwilling to purchase or is slated for repurchase by investor.o Handled compliance call and e-mails from company’s wholesale broker customers and loan officers.o Reviewed Good Faith Estimates (GFE) and Truth-In-lending (TIL) to ensure compliance with revised RESPA and TILA regulation. Show less

o Performed mortgage underwriting services on mortgage insurance files and closed end second mortgages for third party clients.o Devised mortgage loan approvals based on frequently changing credit loan guidelines from third party clients, mortgage insurance companies, and automated underwriting systems.o Consulted wholesale brokers and account executives with advice and strategies for approving initially denied loan applications.

o Reviewed documents to ensure quality assurance and to maintain compliance with lenders on all requirements, policies, and procedures. o Calculated and verified income, employment history, assets, and liabilities to validate credit decision.o Devised mortgage loan approvals based on evaluation loan programs, mortgage credit, and residential home appraisals. o Provided customer support for wholesale brokers with general underwriting approval questions and challenging issues… Show more o Reviewed documents to ensure quality assurance and to maintain compliance with lenders on all requirements, policies, and procedures. o Calculated and verified income, employment history, assets, and liabilities to validate credit decision.o Devised mortgage loan approvals based on evaluation loan programs, mortgage credit, and residential home appraisals. o Provided customer support for wholesale brokers with general underwriting approval questions and challenging issues pertaining to mortgage loan applications. Show less