Real Estate Mortgage

Andrew Scurr

Berkeley, CA 510-***-**** ***********@*****.***

PROFESSIONAL WORK EXPERIENCE

Senior Underwriter (Contractor) For various banks, mortgage companies and credit unions throughout the San Francisco Bay area. 1/16-Present

Underwrite Residential Mortgage Loans to Investor guidelines.

Review loan documentation for complete and accurate information.

Condition loans per DU and LP feedback certificate and also underwrite to Jumbo Guidelines.

Clear conditions and prepare loans for Docs.

General Mortgage Capital, Burlingame, CA 8/15-1/16

Senior Underwriter

•Underwrite Residential Mortgage Loans to Investor guidelines.

•Review loan documentation including Tax Returns, appraisals, pay stubs, W-2’s, prelims, credit reports, Real estate contracts and all other documentation to make a final Loan Conclusion.

Prepare monthly reports for senior management / Clear loans for investor Purchase.

Senior Contract Underwriter for various banks and mortgage companies 3/13-8/15

•Underwrite Residential Mortgage Loans to Fannie Mae and Freddie Mac guidelines.

•Using Desktop Underwriter, and Loan Prospector to obtain investor approval.

•Review loan documentation including Tax Returns, appraisals, pay stubs, W-2’s, prelims, credit reports, Real estate contracts and all other documentation to make a final underwriting decision.

•Clear conditions and prep loans for docs.

Impac Mortgage, Irvine, CA 12/12-3/13

Senior Underwriter

•Underwrite Residential Mortgage Loans to Fannie Mae and Freddie Mac guidelines. Using Desktop Underwriter, and Loan Prospector to obtain investor approval.

•Review loan documentation including Tax Returns, appraisals, pay stubs, W-2’s, prelims, credit reports, Real estate contracts and all other documentation to make a final underwriting decision.

•Clear conditions and prep loans for docs.

Prospect Mortgage, Van Nuys, CA 9/11-12/12

Senior Underwriter

•Underwrite Residential Mortgage Loans to Fannie Mae and Freddie Mac guidelines.

•Using Desktop Underwriter, and Loan Prospector to obtain investor approval.

•Review loan documentation including Tax Returns, appraisals, pay stubs, W-2’s, prelims, credit reports, Real estate contracts and all other documentation to make a final underwriting decision.

•Clear conditions and prep loans for docs.

China Trust, Monterey Park, CA

Senior Underwriter /Quality Control Auditor 7/09-7/11 Within this capacity and role, Reviewed 1st trust deeds, 2nd trust deeds, equity lines, 125% seconds, and title-1 and loans.

Wells Fargo Home Mortgage, Irvine, CA 3/09 -7/09

Senior Underwriter- 4C –Harp Program Underwriting Team

•Underwrite Residential Mortgage Loans.

•Through LPS, Review documentation of Mortgage files for underwriting criteria and eligibility for delivery to Fannie Mae and Freddie Mac.

•Ensure loans complied with program guidelines and conditioned loan files accordingly.

•Review tax returns, appraisals, prelims, credit reports, income documentation and purchase contracts and all other relevant documentation to ensure they meet underwriting guidelines and compliance.

•Work with onsite Operations staff and approved, declined or counter offered loans.

Senior Contract Underwriter 3/06-3/09

•Underwrite Residential Mortgage Loans for various banks, mortgage companies and credit unions.

•Review documentation including: Paystubs, W2’s, Tax Returns, Title Reports, Appraisals

Purchase Contracts and all other relevant items associated with approving loans.

•Package Loans for delivery to investor and secondary markets.

EDUCATION

University of California, Los Angeles Bachelor of Arts, History

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