Sofia Liu Email & Phone Number

NMLS:1692525

Los Angeles, California, Us

NMLS:1692525

Dallas, Texas, Us

NMLS:1692525• Source and originate residential real estate loans through development of relationships with realtors, business professionals and meet all potential borrowers.• Meet with loan applicants to gather personal information and answer questions.• Analyze applicant's financial status, credit and property evaluation to determine loan feasibility.• Prepare and provide borrowers with pre-approval letter, estimated cash to close and initial disclosures in accordance with RESPA and Regulation Z. • Carefully analyze documents and inform borrowers of missing items.• Assembled all required documentation for processing and underwriting on each transaction.• Execute loan origination process, including ordering credit report, appraisals and title fee.• Determine appropriate rate locks. • Attend realty company monthly meeting and open house regularly.• Participate in network through professional, business, community activities to promote brand

• Process loan applications from time of receipt of application to submission of the loan package to underwriting.• Acts as a liaison between loan originators, borrowers, brokers,settlement agents, appraisers, insurance agents, and third party vendors.• Gather, organize and track loan documentation.• Complete and update all the loan application information for accuracy and completeness.• Review purchase contract, credit report, assets, appraisal, title work, insurance, payoff statement, as well as all property related documentation.• Make initial welcome call, send out initial email with need list and follow up on missing item.• Submit complete package to Underwriter for loan approval and satisfy all conditions requested by Underwriter.• Coordinate with closing department and title company in order to ensure a timely and effective closing process.

Madison, Wi, Us

Loan Processor, Fairway Independent Mortgage, Lakeway, TX, 7/2017 to 10/2017• Use Encompass software to process conventional, FHA, VA and USDA loans in a quality consistent with all company policies and procedures as well as meeting all regulatory requirements.• Retrieve and review the disclosures files for completeness and compliance, Labelling and review all the received documents thoroughly against loan conditions.• Send out the missing documents list to borrowers; documents communication through the conversation log.• Complete and update all the loan application information in 1003 form for accuracy.• Order, follow up and review VOE, title work, appraisal report, tax transcript, FHA case number, payoff, evidence of HOI, VOR, and put all the received files in Encompass.• Calculates income, reviews assets and liabilities.• Send out “Declination letters” and Notice of Incompleteness to applicants when applicable.• Request closing disclosure form and review the initial CD for accuracy.

• Build strong relationships and communication with Mortgage Loan Officers, Borrowers, Settlement Agents, AE and Realtors.• Deliver exceptional front-line customer service and communication with all borrowers from initial welcome call to transfer of loan.• Obtain and analyze borrower’s income, assets, liabilities and length of employment for completeness and accuracy. • Order and verify necessary supporting documents such as Credit Report, Tax Return Transcript, Flood Report, Title Commitment, Appraisal and VOE.• Run loan application through Automated Underwriting System and review AU findings.• Submit files to Underwriter and satisfy all conditions requested by Underwriter.• Balance loan for closing cost and send final CD to borrowers.• Perform post-closing duties which includes clearing purchase conditions, submitting closing package to end lenders, sending thank you letters to borrowers and transferring MIN.

Master Of Arts (M.A.), Foreign Linguistics And Applied Linguistics

Bachelor'S Degree, English Language And Literature