Customer Service Real Estate

donna mestas

**** ***** ***** ***** ( Colorado Springs, Colorado 80920 ( (719) 313 (1805

***********@*******.***

Mortgage Professional

Detail-oriented, self-motivated Mortgage Loan Underwriter/Processor with

proven expertise in VA, FHA, conventional, sub-prime, and HELOC/Seconds

loan transactions. Recognized as an expert in determining eligibility for

loan programs, saving loan applications from denial through comprehensive

knowledge of all lending alternatives, preparing HUD-1 Settlement

Statements, disbursing loan proceeds, completing title clearance procedures

and communicating real estate and mortgage lending terminology.

. Strong knowledge of Calyx Point, Encompass, Mortgageware, DU/DO

(Desktop Underwriting), and LP (Loan Prospector) automated software.

. Excellent customer service, problem-solving, and written / verbal

communication skills.

Key Accomplishments

. Achieved 100% investor purchase of loans.

. PLAYED A KEY ROLE IN REDUCING DEFICIENCY LEVELS FROM 90% TO 10%.

. RECEIVED AWARDS FOR HIGHEST DOLLAR VOLUME OF LOANS CLOSED OVER 6

CONSECUTIVE QUARTERS.

. RECOGNIZED FOR CLOSING THE MOST LOAN UNITS OVER 6 CONSECUTIVE QUARTERS.

. EARNED COMPANY'S ROCK AWARD FOR HELPING OTHERS AND EXCEEDING GOALS SET BY

MANAGEMENT.

. HONORED WITH THE COMPANY'S NATIONAL AMERICAS AWARD FOR EXCELLENCE IN

UNDERWRITING AND TEAMWORK.

CORE COMPETENCIES

. Utilized expert knowledge of VA, FHA, conventional, sub-prime and second

mortgage underwriting guidelines and procedures to efficiently scrutinize

and approve wholesale and retail loan files submitted by brokers and in

house loan officers.

. Determined borrower eligibility, sent out verifications, and locked in

rates.

. Carried out full-scope responsibility associated with underwriting,

processing and closing up to 250 residential, commercial, and

construction loans per month for more than 25 loan officers in compliance

with company's lending policies and procedures.

. Ensured the accurate management and reconciliation of tax and escrow

accounts related to clients' mortgage loans.

. Collaborated with brokers, loan officers, title companies, escrow

companies, real estate agents, attorneys and customers to efficiently

process mortgage loans and resolve complications.

. Proactively communicated with assigned Account Managers on pipeline

management to ensure prompt turnaround.

. Designed and presented training manuals for mortgage software, VA and FHA

processing and company procedures for new loan officers.

. Performed quality control review, using guidelines and automated

underwriting system. Conducted post-closing activities.

. Trained and mentored new employees on loan procedures and computer

systems.

DONNA MESTAS Page 2

2153 Sable Chase Drive ( Colorado Springs, Colorado 80920 ( 719-***-****

( ***********@*******.***

Career History

WELLS FARGO HOME MORTGAGE Colorado Springs, CO . 08/2010 to present

MORTGAGE UNDERWRITER

MORTGAGE SOLUTIONS OF CO. COLORADO SPRINGS, CO . 12/2009 TO 8/2010

MORTGAGE UNDERWRITER

VIRGIN MONEY US, MARLBOROUGH, MASSACHUSETTS . 2/2009 TO 9/2009

MORTGAGE UNDERWRITER

DIGITAL FEDERAL CREDIT UNION, MARLBOROUGH, MASSACHUSETTS . 3/2008 TO 2/2009

MORTGAGE UNDERWRITER

WMC MORTGAGE, WOBURN, MASSACHUSETTS . 3/2005 TO 5/2007

SENIOR UNDERWRITER

DREW MORTGAGE, SHREWSBURY, MASSACHUSETTS . 8/2002 TO 10/2004

MORTGAGE UNDERWRITER

COLORADO SPRINGS MORTGAGE, COLORADO SPRINGS, COLORADO . 9/2001 TO 6/2002

MORTGAGE UNDERWRITER/PROCESSOR

Wells Fargo Equity, Colorado Springs, Colorado . 9/2000 to 9/2001

BRANCH RETAIL HOME EQUITY SUPERVISOR (2001)

Underwriter/Processor (9/2000 - 9/2001)

CTX Mortgage, Colorado Springs, Colorado . 3/1998 to 9/2000

UNDERWRITER/PROCESSOR

Education

Cypress Junior College - Cypress, CA

Completed two year program toward degree in Business Management

Sawyer Business College - Ventura, CA

Completed one year of coursework in business and computer training

Contact this candidate