Stephanie Ceja Email and Phone Number

• Prepare initial disclosures for all loans & C.A.R disclosures for Real Estate deals• Process FHA, Conventional & VA files from disclosures to docs• Cleared all PTD & PTF conditions with the borrowers• Pre-Qualify borrowers based on income and credit for loan eligibility• Run DO & LP for all loans• Order termite, home inspections, roof etc. as needed for real estate files • Order prelims, appraisals, Insurance, VOE's & final Docs for loan files• Coordinate all transactions with buyers, agents, escrow & loan officers• Responsible for submitting NMLS Quarterly & Annual Mortgage Call reports• Price out loans at various lenders to confirm best pricing for borrowers

• Processed FHA & Conventional files• Prepared disclosures in accordance to RESPA/TILA/MDIA regulations • Ordered Appraisals, Credit reports, and Verifications• Communicated with lenders, agents, realtors• Submitted loans to various lenders• Reconciled figures in Calyx Point System• Reviewed files in detail prior to submitting• Tackled any possible issue prior to underwriting• Processed file from beginning to end • Responsible for compliance of file

• Processed FHA, VA and Conventional Loans• Calculated all costs associated with the origination and funding of the loans• Responsible for satisfying all conditions on the files• Completed all verifications of employment, mortgage/rent and deposit• Presented complex scenarios to clients & agents• Ran and analyzed credit reports • Researched ways for prospective clients to improve credit scores• Reviewed files for accuracy prior to submission• Responsible for training new processors• Submitted files to HSOA retail and also brokered out to other lenders• Ran DU, DO, LP and all pricing engines. • Generated accurate disclosures in compliance with all new regulations• Managed large pipeline with detailed notes throughout process• Reviewed pipeline daily with branch manager and/or Loan officers• Coordinated closing & funding with clients, loan officers & title.• Communicated daily with clients, underwriters, and other interested parties

• Processed FHA and Conventional Loans• Responsible for inputting data into Point files• Completed verifications of rent/mortgage/employment/deposit• Reviewed new files and submitted to appropriate banks with correct format• Responsible for meeting required conditions on every file• Answered phones, managed customer relations, greeted customers • Ran Credit reports and ordered credit supplements• Pre-screened files for completeness, and accuracy• Trained associates on government (FHA) loans• Managed large pipelines from start to finish • Assisted in finding properties for potential buyers