Reine Ray Email & Phone Number

Reine Ray NMLS 21597319 years experience in analyzing and evaluating borrower profiles including but not limited to all personal and business assets and income documentation, tax returns, credit history, judgments, foreclosure, divorce or bankruptcy documents, reviewing title and appraisals to determine feasibility of granting loans 15 years in originating and performing complex analysis of Conventional, Jumbo, FHA, VA and USDA Program loans. Substantiate for completeness, accuracy, and compliance.3) 100+ hours in Continuing education in Fair Credit; Fair Lending, Cybersecurity, Inclusivity, Lending Laws; FHA, Appraisals, Self-Employment Analysis, Federal Mortgage Law, EthicsWorked referral platform to expand originations among realtors, real estate investors, attorneys, certified financial planners and insurance agents to originate residential home loans across the state of Texas. 2) networked in local group settings in Austin, Dallas-Ft Worth, San Antonio and Houston . 3) live presentations to real estate referral partners speaking on financial literacy, first time home buyers, appraisal and a variety of loan programs.Utilize Encompass Dashboard and Pipelines, Loan Beam, Blueprint, BLEND, Data Verify, various Flood, Fraud and Tax systems, Ask Poli, The Rule Tool, All Regs, Fannie Mae & Freddie Mac Selling Guides. USDA 3555 Handbook, FHA 4000 handbook, VA Lenders Handbook, Market Clarity & Rule Tool, Ask Poli, Encompass, Mortgage Coach, Mortgage Builder, Mortgage Machine and Calyx Point.Front-line underwriting following latest guidelines for Agency and Government from preapproval to contract, including title and appraisal review of conventional & FHA loans clearing front line loan level conditions on a national level. DE Certified, MBA Certified Mortgage UnderwriterPerform intricate review of loan documents analyzing all types of assets and income statements, title commitments, contracts, trust documentation, POA’s, tax returns, profit and loss statements and balance sheets. Proficient in computers including Windows applications including Excel, Word, PowerPoint, Salesforce. Ability to adapt/ learn/utilize multiple software programs.

Listed skills include Fha, Fha Financing, First Time Home Buyers, Va Loans, and 43 others.