Mary Garza (Maria Garza), **** Lily Cache Lane, Bolingbrook, IL 60490

630-***-****, ac7qtb@r.postjobfree.com

Objective: To obtain a challenging position in the mortgage industry using my 28 years of experience and educational skills.

Experience:

3/2016 to 9/2018 Home Point Financial

SR Remote FHA/VA/CONV underwriter

Entry level VA underwriter SAR obtained July 2018. FHA underwriter with 203K Experience.

4/2015 to 10/2015 1st Centennial Mortgage

Aurora, IL

FHA SR. REMOTE MORTGAGE UNDERWRITER

Fha including FHA HUD REO W/ & W/OUT Repair escrow. STREAMLINES, PURCHASES & REFINANCES. FHA BACK TO WORK. IHDA PROGRAM.

2012-4/2015Stearns Lending Inc.Oakbrook, IL

Sr. FHA underwriter - remote Primarily responsible for underwriting FHA including non traditional, manual & streamlines & HUD REO. & CONV loans and clearing conditions.Daily interaction with brokers and account executives.

2008- 2012 Wells Fargo Home MortgageLombard, ILUnderwriter 3 FHA Primarily responsible for underwriting FHA & CONV loans and clearingconditionsResponsible for clearing post-closing deficienciesMentoring Underwriting AssistantsDaily interaction with brokers and account executives Underwriting Assistant Primarily responsible for clearing conditions on FHA and VA loans. Perform final audit prior to issuing clear to close.Daily interaction with brokers and account executivesLoan Closer Primarily responsible for closing FHA, VA, RURAL housing loans.Responsible for releasing funds for closing 2006-2007 Webster Bank (part time)Chicago, ILLoan Closer 2 Responsible for implementation of Texas Cash Out refinances department. Had full responsibility from scheduling, closing and funding and post-closing transactions. Assisted in closing Conv, FHA, VA, 2nd mortgages, and piggy loans for all otherstates Assisted operations manager with work flow implementation for scheduling, closing and post-closing departments Assisted funding department with reviewing and approving HUD-1’s and documents needed for funding loan. Reviewed closing packages once closed and funded.

Responsible for clearing post purchase exceptions from our investors 2005-2005DK FundingBolingbrook, IL

CONV Underwriter

Primarily responsible for underwriting CONV loans with LP/DU/E-Magic and clearing conditions Responsible for underwriting appraisalsManaged pipeline.Daily interaction with processors and loan officers

2001-2004Wells Fargo Home MortgageLombard, ILMortgage Production Supervisor Full responsibility for all phases of prefund and post fund compliance audits.Supervised up to 23 internal controls auditors and 2 team leadResolved compliance findings with our legal department.Comprehensive customer support to our brokers and doc prep vendors

Responsible for account executive, post fund findings & prefund reporting Responsible for implementation of new procedures

Daily interaction with our shipping and funding departments Perform and approve due diligence process for new clients Approved time cards and day off requests

Trained & Supported pipeline management department Responsible for reviews throughout the year

Client Relations walk-thru with brokers to go over our procedures Broker visits with account executives to go over our proceduresCompliance Auditor/Team Lead Prefund audit of TIL and HUD-1.

Promoted to Team Lead responsible for 6 internal controls auditors. Resolved compliance findings with our legal department Comprehensive customer support to our brokers

Worked with supervisor of compliance department to start up department Responsible for implementation of new procedures and checklists Daily interaction with funding department

2000-2001New America FinancialLisle, IL

Closing Manager Full responsibility for managing loan closers and coordinatorsDaily reports for shipping, funding and closingDaily and monthly balance sheets for funding’s Responsible for clearing exceptions for FHA, VA & Conv loans Responsible for implementation of new procedures

Daily interaction with our shipping and funding departments 1998-2000Commonwealth United MortgageSchaumburg, IL Closing Supervisor

Full responsibility for supervising loan closers onsite with manager located in NJ. Daily reports for shipping, funding and closing

Daily and monthly balance sheets for funding’s

Responsible for clearing exceptions for FHA, VA & Conv loansResponsible for implementation of new procedures

Approved time cards and day off requests

Responsible for employee reviews

Comprehensive support to our loan officers and branch managers to insure a smooth closing for our customers Authorized signer for checks for closing

Education:

1985-1989 St. Francis Academy Joliet, IL

Diploma

Basic business classes

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