Sergio Villalobos Email & Phone Number

United States

San Antonio, Texas Metropolitan Area

Research and analyze complex repurchase demands and mortgage insurance rescissions for First Mortgage. Conduct detailed repurchase loan reviews, loan re-underwriting/appraisal analysis, and loan document validation. Collaborate with investors and agencies to develop defense arguments for repurchase claims. Identify loan defects and recommends curative.

San Antonio, Texas Metropolitan Area

Analyzed validation disputes from key stakeholders for request for valuation reconsiderations and complex scenarios and complex/unique properties. Audited Appraisal Production teams to comply with USPAP, GSE, VA, and USAA standards. Trained and coached junior valuations analysts. Assisted management with reporting and team meetings. Prepared loan files for.

San Antonio, Texas, United States

Reviewed appraisal inspection reports to ensure appraised value is supported for mortgage lending. Identified and managed existing and emerging risks stemming from business activities. Utilized established procedures and guidelines to validate income, assets, or collateral to render an underwriting decision. Key Achievements: Minimized property risk.

San Diego, California, United States

Reviewed and confirmed repurchase requests from investors and GSEs for validity and provided a dispute response and documentation to minimize company losses. Key Achievements: Remediated deficiencies and avoided indemnification by reviewing FHA and VA deficiency letters for validity/documentation. Ensured accurate and complete loan documentation.

San Diego, California, United States

Reviewed loan files suspended for deficiencies identified per investor/GSE guidelines after secondary market delivery. Rebutted invalid suspense issues with respective investors and obtained documentation to clear conditions allowing loans to be purchased by investors prior to acquiring roll charges or curtailment fees to reduce risk and losses.

Los Angeles Metropolitan Area

Analyzed and audited loan packages ensuring compliance with enterprise policies and federal/state/local laws. Ensured that outstanding items were valid and that all stipulations had been met.