Loss Mitigation Real Estate

**/**** - **/**** **** Equity Processor

*Share Solutions, Linthicum Heights, MD

Home equity loan was base on the equity in the home. Income was verified and loan to value was determined. Credit was checked to determined combine loan to value. Appraisal ordered, and reviewed for value. Title ordered and checked for liens, correct names, address, and ownership. Entered fees for settlements and set up appointments for closing.

Management 50 plus loans, contacting clients by phone and email every 3 days to give updates

03/2016 - 06/2021 Contract Analyst

Toyota Financial, Owings Mills, MD

Performed clerical duties required to discount retail and lease contracts. Reviewed all documents to ensure documents meet all applicable Truth-In-Lending, Privacy and identity Verifications. Reviewed car contracts and credit applications for completeness, verified contract rates/service charges and special programs. Credit Investigation: Validate and verify information in reference to the credit applicant. Documented the verification results for credit analyst to complete the loan process.

06/2013 - 08/2014 Short Sales Negotiator

All Win Short Sales Solutions, Pikesville, MD

Managed up to 40 files for short sales approval. Worked closely with real estate agents, sellers and buyers to set up short sales in Equator and completed tasks, received authorization to open up a line of communication with the lender to start the short sales process.

04/2008 - 02/2010 Loss Mitigation Specialist

LoanCare Servicing/SeriviceLink FNF/Loss Mitigation, Owings Mills, MD 11555 Dolfield Blvd Suite 124 Owings Mills, MD. 21117 Responsible for running appropriate analytics and calculations, obtaining MI and or investor approval, ordering BPO's, postponing foreclosures to allow short sales to take place. Educate borrowers and realtors about the short sales process, deed- in-lieu, repayment plans and forbearance work out options. Submit loss mitigation packages to the investor and / or insurer to review for approval in a timely manner. Assessed necessary documentation to review short sales, HAMP, HSA and to structure a deal that serves the best interest of the organization, insurer, and client. Answer inbound phone calls from delinquent borrowers requesting loss mitigation assistance, and help with foreclosure. Responsible for the collection of past due mortgage accounts on all MARGO HOLMES

2807 W GARRISON AVE, BALTIMORE, MD 21215-5334

Phone: 443-***-****

Email: *******@*****.***

Objective

Ability Summary

Back ground includes being a real estate agent, housing counselor, using DU/LP,Point, Microsoft Office( excel, word, power point, outlook, web extender, adobe, efannie mae. Training in medical coding, 40 hours

01/26/2012 - FHA Basic Credit/ Liabilites Underwriter (Webinar) Employment History

stages of delinquency in accordance with all government, investor, and client guidelines to prevent foreclosure and financial losses to the investor. Calculate and discuss repayment terms with borrower. Explained loss mitigation options in detail and loss mitigation application process.

Appraisal Licensing

Vocational School Certificate

Catonsville Comm College, MD

Completed 105 hrs for appraiser licensing course.

Business

Associate's Degree

Bay College of Maryland, MD

01/2007 CERTIFICATE/ Mortgage Originators

State of maryland

Education History

Occupational Licenses, Certificates and Training

Honors & Activities

Additional Information

Detailed References

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