Tiffany D. Howard

972-***-**** ad31qh@r.postjobfree.com

MORTGAGE PROCESSOR

Objective:

I am looking for an opportunity to show my strengths in Mortgage Processing. I bring a strong commitment to a team environment, with the ability to contribute. Consistently selected by management to handle projects on a rush based factor, with their confidence in my ability in a fast paced volume atmosphere while maintaining accuracy.

Experience:

Cornerstone Home Lending 09/12-present

Loan Processor (a preferred lender for several builders in Houston & Dallas)

Review pre-approved files from Loan Officer team

Complete credit review; run DU, LP and GUS, request pending items required

Submit files to underwriting for final approval; submit files to Closing and setting proper expectations and weekly timelines for the builder and borrowers Nation Star Mortgage 12/09-09/12

Loan Processor

Knowledge of secondary market requirements/Freddie Mac or Fannie Mae

Clear Underwriting conditions

Order any necessary items: appraisal, title, flood certificates and verifications by reviewing loan applications

Sending a needs list to the loan officer and borrower to obtain the documentation that meets investor’s guidelines.

Submit file to underwriting.

Clear underwriting conditions along with complete closing preparation. PRIORITY HOME MORTGAGE

Loan Officer/Loan Processor 12/08-12/09

Prepare loan files by reviewing loan applications

Sending a needs list to the loan officer and borrower to obtain the documentation that meets investor’s guidelines.

Submit file to underwriting.

Clear underwriting conditions along with complete closing preparation.

Processed new construction loans for David Weekly and Mercedes Homes VA LOAN PROGRAM 11/07-11/08

Loan Officer/Loan Processor

Prepare loan file by reviewing loan application

Clarifying or obtaining additional info.

Obtain mortgage loan documentation by ordering credit reports, appraisals, title and clearing underwriting conditions.

Prepare closing statements and inform borrower of monthly payments & closing cost. CITIGROUP MORTGAGE 4/05-11/07

Sr. Loan Closer

Performed all assigned closing duties, etc., reviewing loan files for proper completion of the pre-closing and post-closing process as requested by the underwriter.

Compiled loan docs, ensure that all conditions for closing are met.

Complete all closing tasks required and keep loans in compliance with company, state and governments standards.

REUNION MORTGAGE 06/03-04/05

Sr. Loan Closer/Loan Coordinator/Funder

Ordered funds once HUD1 is approved by the branch and myself.

Assure all underwriting conditions are met prior to sending out closing packages.

Coordinate the transaction with the settlement agent, Title Company and fund the loan upon fulfillment of all conditions.

Shipped loans out to the appropriate investor.

BENCHMARK MORTGAGE 08/2000-06/03

Sr. Loan Closer/Funder

Reviewed title commitments, surveys, appraisals, etc. for accuracy.

Communicated with Brokers, LO, Processors & Title companies.

Verified HUD1 and documents meet investors’ compliance.

Reviewed signed closing documents for accuracy to fund.

Closed FHA/VA & Conv loans.

Insured all lender and broker fees are collected at closing per approved fee sheet, as applicable.

Review funding reports to ensure loans funded within appropriate timeframes. EDUCATION

University of North Texas 08/98-05/00

Tyler Junior College 08/96-05/98

Newman Smith High School (diploma) 1992- 05/96

Skills:

Mortgage software: MS Office, Loan Track, TMO, DataTrac, Point, DU/LP, VA, FHA, Conventional, Reverse Mortgages, Jumbos, Web Track, RESPA Regulations.

Ability to Process, Close, and ship all loan types. 3020 Sweetleaf Dr., Little Elm, Texas 75068

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