Manager Mortgage

Joanne Costanzo

Professional Summary

Mortgage underwriter know. For strengths in risk assessment, income/credit analysis and documentation review. Consistently commended for the timely and accurate completion of compliant loan packages. Comprehensive knowledge of underwriting guidelines and restrictions for Conventional and Government insured loan programs for both conforming and nonconforming mortgages. Core Qualifications

Lending & Underwriting guidelines

Credit & Income analysis

Cash flow analysis with assessmen

Loan-to-value ratio's

Debt to income ratio's

Conventional and Government Mortgages

Loan closing funding and documentation

Used Encompass, Genesis, GUS, VA Portal, FHA

Connection, many lenders private underwriting systems. Paperless for last 7 to 9 years.

Experience

Underwriter

December 2017 to October 2018

Peoples Mortgage Company NMLS 6274 - Tempe, AZ

I was on the NonStandard team and I underwrote DPA (down payment assistance) loans as FHA/ VA/ Conventional and USDA. I handled all MFH and USDA loans as well. Senior Underwriter

May 2017 to October 2017

Bank of the West - Tempe, AZ

I underwrote FHA and Conventional home loans and Jumbo loan per Bank of the West guidelines Senior DE Underwriter

June 2016 to May 2017

On Q Financial - Gilbert, AZ

Underwrote FHA/ Conventional purchase and refinance mortgages. Special Team UW

September 2015 to April 2016

I Mortgage Company - Scottsdale, AZ

I was on the Special Team underwritIng all MFH and Renovatiop loans for purchasea and refinances. January 2014 to September 2015

Medical leave

Off work due to surgery complications

Underwriter

June 2013 to March 2014

Universal American Mortgage Co - Tempe, AZ

Underwrote FHA/ Conventional Builder construction loans for Lennar Homes and additional purchase loans.

SR Underwriter

July 2012 to August 2013

Amerifirst Financial, Inc. - Mesa, AZ

Hired to assist underwriting manager to set up and start a 203K Renovation dept. Underwrote all FHA 203 K loans for lender.

Underwriter

45 N Mondel Dr, Gilbert AZ 85233

Home: 480-***-**** - *************@*****.***

September 2008 to April 2012

Wells Fargo Home Loans - Tempe, AZ

Underwrote FHA and Conventional Renovation loans on team of Renovation underwriters. Assist processing and assisted in training Renovation underwriters. Education

1979

Glenoak High School - Canton, OH

Contact this candidate