Real Estate Loan Processor

Raquel Unda

**** ******** **** **** ******, CA **660

Cell: 562-***-**** I ad5mlv@r.postjobfree.com

EXPERIENCE:

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SOUTHLAND PROPERTIES & ASSOC. SOUTHLAND MTG GROUP, Whittier, CA

Commercial/Residential Real Estate Paralegal

Sr. Loan Processor

(Work closely with Founder and In-House Counsel)

Commercial and Residential Real Estate purchases/sales, Probate Sales/Purchases, Refinances, Short Sales, Loan Modifications, Forbearance plans, Foreclosures, Trustee Sales, clear any and all items affecting title such as liens, judgments, Lis Pendens, UCC's, superior knowledge with purchase agreements, counter offers, addendums, insurance COi, HOI, home warranty, commercial

/residential lease agreements/contracts, title searches, review title and survey review, common area, triple net

• Prepare notices, review contracts, keep legal files organized, track and keep calendar for all cases, order title supplements, ensure clean titles, order CPL's, E&O, Tax Certificate/bill, HOI, order condo questionnaires, order flood insurance, credit supplements, legal & vesting, wire instructions, order surveys, plat maps, appraisal & appraisal review for accuracy, order and process rapid rescores response within 3 to 5 days, run Lexis-Nexis, fraud guard, estoppel certificates, order CC&R's, request articles oflncorporation, order Certificate of Good Standing, order tennite inspections and, NHD and home warranty

•Interpret and/or translate documents, Interpret in depositions, court hearings

• Appear in Court with In-House Counsel on Real Estate, Unlawful Detainer/Evictions, Probate Assist outside counsel in preparing for depositions, trial, mediation and arbitration

•Refer cases out to various Attorneys and/or assist them throughout the case

• Process all loan types for all states, FHA, Conventional, VA, DSCR,Hard money, Non-QM, Commercial, SBA loans according to program guidelines, 2nds, Helocs, calculate and ensure that debt to income Ratio is within qualifying guidelines from set up to submission, complete any and all conditions, open escrow, order title, run statement of information, Prepare and do Intake sheet of Client(s) information for legal cases -Unlawful Detainer, Bankruptcy, Probate, small claims, Real Estate etc...

• Ensure all files are complete, pre-underwrite file prior to handoff to underwriter for full Approval, coordinate effectively with Title, Escrow, Attorney/Law Firms to ensure a fast and smooth closing, input and update data in system, prepare for closing by ordering payoffs, liens if any, gather all 3rd party invoices, deal with borrowers/sellers who are individuals, sole proprietors, LLC, LLP, SCorps, communicate with borrowers, escrow, title, loan officers, underwriters, doc dept and funding dept Order verification of employment(s), verification of deposit(s), verification of mortgage(s), verification ofrent(s), order and process subordinations, order estoppels from escrow, prepare

deeds as needed, order IRS transcripts

GENPACT MORTGAGE,

Irvine, CA

Sr. Mortgage Loan Processor

1/16 to 7/16

•Analyzed loan packages and determined if additional items were needed to complete loan file

•Completed fmal audit and pre-underwrote files prior to submission for final approval

•Responsible for ordering, VOE's, VOD's, VOM's, VOR's, subordination requests as required

•Constant communication with borrowers, loan officers, underwriters, title, escrow, attorneys, trustees and insurance agencies

•Handled all Ditech and USAA accounts

SOUTHLAND MORTGAGE GROUP,

Santa Fe Springs, CA

Sr. Mortgage Loan Processor

5/97 to 1/16

• Ensured all files were complete prior to underwriting handoff, coordinated effectively with title companies and all parties involved to ensure smooth closings

•Processed loans from setup to submission, from conditions to close

•Processed all FHA, VA, Commercial, Hard Money loans, all purchase, refinances according to program guidelines

• Provided support to loan officers, broker by ensuring timely,judicious and accurate processing of loans, input and update data as it changed, ordered all 3rd party fees and documents needed

SKILLS:

•Microsoft Office Suite, Google Office

•Legal Solutions, Best Case, LexisNexis, Pacer, knowledgeable on all Government Websites

•Calyx Point, LendingQB, Encompass, CAR/WIN, Zip Forms

•FHA Connection, VA Connection Slack,Hubspot, Lendfoundry, Ocrolus

•Typing Speed 60 wpm

•Bilingual - English/Spanish

EDUCATION:

Southwestern College -

San Diego, CA Interpreter/Translator

5/92

Century Business College - Los Angeles, CA Paralegal/Legal Secretary

3/94

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