Quality Assurance Real Estate

Diane D. Johnson-Gaffney *********@*******.***

**** ****** *** *** *. Elkins Park. PA, 19027 215-***-**** (Home))

LinkedIn Profile: http://www.linkedin.com/pub/diane-gaffney/40/99b/3a4

EDUCATION: Fisk University, Nashville, TN

Bachelor of Science, Graduation: Incomplete

Major: Computer Science Minor: Business Management

CERTIFICATION:

Certified Housing Counselor, National Foundation of Credit

Counseling (NFCC)

Certified Credit Counselor, National Foundation of Credit

Counseling (NFCC)

Certified Counselor for Loss Mitigation, Housing and Urban

Development (HUD)

EXPERIENCE

6/1/2012 - Present/Temporary

The Dixon House

Certified Housing/Credit Counselor

. Reviewed

court docket list consisting of over 200 clients weekly to be sorted

distinguishing our clients from all counseling agencies that

participated in the New Jersey Home Foreclosure Diversion program.

. Reviewed legal documents for irregularities, and negotiated with

mortgage companies, mortgage lenders, and mortgage attorneys to aid in

the prevention of home foreclosure. Additionally advocated for

additional financial help for clients in foreclosure status in court.

this loan

Reviewed court docket list consisting of over 200 clients weekly to be

sorted distinguishing our clients from all counseling agencies that

participated in the New Jersey Home Foreclosure Diversion program.

. Dedicated one day per week each month to assist clients in mortgage

foreclosure. Negotiated face to face with the mortgage foreclosure

Lenders Attorneys in Diversion Court as a advocate for clients. Prepared

clients that are international in Philadelphia and New Jersey for diversion

negotiations, prepared the Home Foreclosure proposal which includes the

client's financial budget, summary of expenses, valuation of assets and

liabilities along with debt ratios which are needed to request a loan

modification and or forbearance agreement. Prepare modification documents

and application for accuracy and to forward to lender for approval.

.

Experience

5/1/2012 Contract

5/31/2012

Financial Business Solutions

Underwriter/Reviewer

Housing Urban Development Condominium Project Approval and Processing is

designed to provide the Federal Housing Administration (FHA) baseline

condominium project approval and processing requirements

System used is FHA Connection (FHAC) data entry requirements.

Review Recertification and or New Constructions Projects of Condominiums.

The processing options are the HUD Review and Approval Process (HRAP) or

the Direct Endorsement Lender Review and Approval Process (DELRAP). The

applicable condominium documentation requirements are the same regardless

of the review option selected. Conversion to a condominium regime occurs in

those projects which involve changing the title of the existing structure

generally under one title, to property that is separated into units so that

the title to most units can be held separately. Current year projected

budget bank statements may be requested.

Review of the financial documents must determine that the budget and

operating results are sufficient and Include allocations / line items to

ensure sufficient funds are available to maintain and preserve all

amenities and features unique to the condominium project and provide for

the funding of replacement reserves for capital expenditures and deferred

maintenance in an account representing at least 10 percent of the budget

and provide adequate funding for insurance coverage and deductibles In

cases where the budget documents do not meet these standards, a reserve

study may be requested to assess the financial stability of the project.

The reserve study cannot be more than 24 months old.

Special Assessments impact will the assessment have on the future value and

marketability of the property. Review Declarations and Bylaws for leasing

restricting, and Amendments. Review financials, calculate to make sure the

budget balanced. Review income and expense report. Review site map, flood

maps, and site plans as to the phases of unit developed. Calculate Fidelity

Bond insurance, Hazard and Property for sufficiency.

Unemployed

6/30/2011 5/1/2012

CONSUMER CREDIT COUNSELING SERVICES OF DELAWARE VALLEY

Philadelphia, PA

Credit Counselor Housing Counselor March 2007- June 2011

Philadelphia, PA. New Jersey Home Foreclosure Diversion Program Advocate

International Foreclosure Specialist, serving Alaska, Hawaii, California,

etc.

. Reviewed court docket list consisting of over 200 clients weekly to be

sorted distinguishing our clients from all counseling agencies that

participated in the New Jersey Home Foreclosure Diversion program.

. Review the GFE which gives the Client an estimate of their settlement

charges and loan terms if they are approved for pre-purchase clients

. Review legal documents and negotiate with mortgage lenders, and

mortgage attorneys to aid in the prevention of home foreclosure.

Additionally advocated for additional financial help for clients in

foreclosure status in court. this loan

. Dedicated one week per month to assist clients in mortgage

foreclosure. Assisted 2,400 mortgage foreclosure cases total. Of those

2,400 clients, 1700 were able to successfully save their homes from

foreclosure.

Prepared clients official New Jersey Home Foreclosure proposal which

includes the client's financial budget, summary of expenses, valuation of

assets and liabilities along with debt ratios which are needed to request a

loan modification and or forbearance agreement.

. Prepared closing and post-closing documents for clients that

participated in the First Time Homebuyers Program offered by the State

of Pennsylvania.

Reviewed clients mortgage payoff, total assets, collateral and investment

properties, lien holder fees and non-owner occupied properties, prepaid

penalties, Provide social services for client who are in need of shelter

for the homeless, job search, food, financial stability, empowering clients

by restoring their lives so that they can function properly in society.

Provide a good faith estimate (GFE) for all the approximate costs of a

particular loan and finally a HUD-1 (for purchase real estate loans) or a

HUD-1A (for refinances of real estate loans) at the closing of the real

estate loan. The final HUD-1 or HUD-1A allows the borrower to know

specifically the costs of the loan and to whom the fees are being allotted.

Required disclosure for client in relation to (RESPA) informed client about

limited amount of money a lender may require the borrower to hold in an

escrow account for payment of taxes, insurance, etc.

. Debt to income ratio, update funding status.

. Prepared final mortgage loan packages for signers and title companies.

Stack file schedule closing and prepare for funding.

ALLIANCE ONE

Trevose,

PA

Third Party Debt Collections Specialist June

2005- March 2011

. Performed over 100 collection phone calls daily within the guidelines

of the Fair Debt Collection Practices Act (FDCPA).

. Reviewed debtors accounts for reconciliation counseling and repayment

arrangements within the next 3 months or same day payments.

. Notated debtors account for incoming and outbound phone inquiries with

regards to outstanding accounts.

AMERICAN BUSINESS MORTGAGE INC.

Philadelphia, PA

Senior Mortgage Closer January 2001-

January 2005

. Reviewed the mortgage payoff report to ensure mortgages were current.

List was normally in the range of 100-200 accounts.

. Reviewed and justified approval on mortgages from both loan officer

and underwriter's final approval.

. Modified payoff adjustments if necessary by adding per diem which

extended past the funding dates.

. Reviewed and restored delinquent taxes by placing them in an escrow

account for future use.

. Reviewed mortgage applications for applicant's total assets,

collateral and investment properties, lien holder fees and non-owner

occupied properties. Additionally, reviewed prepaid penalties,

applicant's debt to income ratio, updated funding status.

. Prepared final loan packages for signers and title companies. Heavy

contact with various title companies and signers until loan actually

close. Completed post-closing and loan funding documents.

01/1999-01/2003

Paralegal Temporary Assignments

Paralegal/Legal Assistant

Cozen and OConnor Attorneys

Morgan Lewis Bokius LLP

Dwight Swartz Campbell Attorneys

Drinker Biddle Realth LLP

Smithkline, Beechum, Pharmaceutical

Global Document Service

Reliable Copy Service

Maintained pleadings and deposition files, indexing exhibits and

depositions. Updating and discovery database in summation. Redacting,

organizing discovery materials retrieving files for completeness, coding

scanning, quality assurance of numeric and alphabetic bate numbers.

Prepping, assisting in document drafting, proofreading, data entry, filing

01/1998-01/2003

Cigna Insurance Company, Philadelphia, PA

Claims Assistance IV

Team Leader/Assistant Supervisor, responsible for setting up and process

insurance claims for the operation department. Special projects requiring

specific deadlines, update, coding automated and manual payment process,

quality assurance, problem solving, policy review and research.

Investigating policies regarding the effective date and occurrences per

limits, legal reports voids, bill adjustments

Experienced in all lines of business, Liability, Bodily Injury, Auto,

Asbestos and

Chemical Claims, supervise delegate work, attend seminars. Equipment uses

for process were, Crt, P/C, Word Processors, Excel, Eis, Esis software and

Microfiche?, daily team meetings regarding updates, changes and

requirements.

JAMESJOHNSON BROKERAGE

Philadelphia, PA

Mortgage Loan Officer January 1997-

January 2001

. Reviewed mortgage application for assets and liabilities for

refinancing, purchases, home improvement, and jumbo and commercial

loans.

. Provided a good faith estimate (GFE) for all the approximate costs of

a loan product.

. Produced Form HUD-1 (for purchase Real estate loans) or a Form HUD-1A

(for refinances of real estate loans) at the closing of the mortgage

loan.

SKILLS & LANGUAGES:

Microsoft Office Suite 2010 - Intermediate.

. CPR DMS Solutions Software - Proficient.

United States Citizen / U.S.

Citizen

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