LANA MCCOWEN

**** * *** *

West Point, UT *****

801-***-****

•Mortgage Loan Servicing •Specialized Training in Foreclosure, Collections and Customer Service •Excellent Telephone and Customer Relations Skills •Computer Experience, Word, Local Area Network, E-mail and In –House Main Frame System. •Disposolution computer system

EMPLOYMENT HISTORY

SELECT PORTOLIO SERVICING: 4/2002 TO 2015

REO CLOSER

Research title issue, Acquired Seller Document making sure they are vested correctly, review Real Estate Contract, Worked closely with Attorney and Escrow Co. to make sure that loan is closed in a timely manner, Balanced HUD1 and receive Wire and completed Liquidation making sure that the investor received funds.

Foreclosure Representative:

Notary Public, Notarized documents for officers of the company. Review title issue and follow-up on issues so the foreclosure can proceed. Received foreclosure document from the Foreclosure Attorney, review for accuracy and signed. Review all stage from First Legal to Judgement to make sure timelines were in compliance.

HEARTLAND MORTGAGE: April 1997-December 2001

LOAN PROCESSOR (FHA, VA, CONV.)

Took application (1003) for Loan Officer, when needed. Input all buyers’ information from the 1003, pull credit, submitted this information through the Calyx Point to get approval. Reviewed condition that was required by investor. Mailed VOE, VOD, and prepare file to be submit to Underwriting. Worked closely with the Real Estate Broker and the Buyer to get any condition which was required for loan approval. Submitted file to closer, so closing package could be prepared.

UNITED SAVINGS/WESTERN MORTGAGE LOAN CORP., 11/85 to 11/96

Customer Service Executive

Research problems with mortgages. Complete assumptions and legal name changes. Work with Quit Claim Deeds. Take inquires and complaints regarding mortgages loans, including tax and insurance questions.

Transmittal Clerk

Prepared transmittal package to foreclosure attorney, acquired investor approvals, reviewed foreclosure reports, prepared legal documents, processed Deed-In-Lieu’s, prepared monthly reports and coordinated foreclosure/collection procedures.

FHA Foreclosure Clerk

Completed all facets of foreclosures, specializing in FHA. Handled property preservation, document preparation, ordering reconveyance, filing claims and balancing subledgers. Worked closely with mortgagors and attorneys.

Loan Counselor

Collected on delinquent accounts. Worked closely with mortgagors, sent demand letter as required by individual investors and Government Agencies.

235 Loan Specialists

Monitored 235 FHA assistance loans, recertified and figured monthly income and adjusted payment. Requested and balanced FHA monies on a monthly basis.

Loan Set-Up

Entered information pertaining to new loans, reviewed and corrected data needed to set-up a loan.

REFERENCES

Available upon request