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.

• 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.

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.

• 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.

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

Bachelor'S Degree, English Language And Literature