Jonathan Garrett

***** ******** *** *** **** Houston, TX 77082

281-***-**** ad37nq@r.postjobfree.com

SENIOR MORTGAGE LOAN PROCESSOR

Mortgage industry professional with loan-processing experience and a comprehensive knowledge of conventional and government loan programs.

Thorough in gathering borrower information, verifying loan documents, and reviewing file documentation to guide each loan from preapproval to closing.

Computer savvy in MS Office Suite and proprietary mortgage-processing software. CALYX, Encompass, Empower, H20. Loan Processing Expertise

Conforming & Nonconforming Loans, TRID, HARP, FRMs, ARMs, Jumbo Loans, Fannie Mae & Freddie Mac Guidelines, FHA, VA, USDA, SETH and TDHCA Bond Loans.

Professional Experience

INTERLINC MORTGAGE, LLC/ TEXAS CAPITAL LENDING— Katy, TX (Remote) Senior Mortgage Loan Processor, February 2022 to December 2022 Provide support to loan officer, underwriter and closing teams by ensuring the timely, judicious, and accurate processing of purchase mortgages. Collect, review, and verify all borrowers’ documents to prepare loan applications for underwriting submittal. Clear all underwriting conditions. Ensure compliance with company policies, underwriting guidelines and lending-program requirements. Conventional, FHA, VA, TDECU, TSHAC and Bond loans. GUILD MORTGAGE, LLC — San Diego, CA, Houston, TX (Remote) Senior Mortgage Loan Processor, September 2020 to November 2021 Provide support to loan officer, underwriter and closing teams by ensuring the timely, judicious, and accurate processing of purchase and refinance mortgages. Collect, review, and verify all borrowers’ documents to prepare loan applications for underwriting submittal. Clear all underwriting conditions and schedule closings with Title Company and review HUD-1/Closing Disclosure with the borrower. Ensure compliance with company policies, underwriting guidelines and lending-program requirements. Conventional, FHA and VA loans.

SOURCEPOINT MORTGAGE / ISGN — Houston, TX

Senior Mortgage Loan Processor, May 2019 to September 2020 Provide support to loan officer, underwriter and closing teams by ensuring the timely, judicious, and accurate processing of refinance mortgages. Collect, review, and verify all borrowers’ documents to prepare loan applications for underwriting submittal. Clear all underwriting conditions and schedule closings with Title Company and review HUD-1/Closing Disclosure with the borrower. Ensure compliance with company policies, underwriting guidelines and lending-program requirements. FHA and VA loans. FIRST CONTINENTAL MORTGAGE /PRIORITY HOME MORTGAGE / ADVISA MORTGAGE /— Houston, TX Senior Mortgage Loan Processor, October 2017 to January 2019 The company’s different divisions are the preferred lenders for David Weekly Homes and Gehan Homes. Provided support to loan officer, underwriter and closing teams by ensuring the timely, judicious and accurate processing of mortgages to meet the builders’ closing dates. Review and verify borrowers’ income, credit reports, tax returns, employment histories, order property appraisals and title documents to prepare loan applications for underwriting submittal. Review and clear underwriting conditions and schedule closings with Title Company and review HUD-1/Closing Disclosure with the borrower. Ensure compliance with company policies, underwriting guidelines and lending-program requirements. Conventional, FHA and VA Loans. CALIBER HOME LOANS — Houston, TX

Senior Mortgage Loan Processor, October 2016 to June 2017 Provide support to loan officer, underwriter and closing teams by ensuring the timely, judicious, and accurate processing of mortgages. Review and verify borrowers’ income, credit reports, employment histories, property appraisals and title insurance information to prepare loan applications for underwriting submittal. Schedule closings with Title Company and review HUD-1/Closing Disclosure with the borrower. Ensure compliance with company policies, underwriting guidelines and lending-program requirements. SOLOMON EDWARDS GROUP (Reverse Mortgage Solutions) — Houston, TX Mortgage Claims QC Processor, March 2016 to October 2016 Performing Quality Control review and submission of Supplemental Reverse Mortgage HUD Claims. Ensuring the timely, judicious, and accurate processing of the supplemental claim to HUD. QC the previous departments’ account review. Analyze the spread sheets from the various Mortgage servicers to confirm all money that is claimable is accounted for and correcting any omissions and gathering all needed supporting documentation then submitting the final claim to HUD. Ensure compliance with company policies, underwriting guidelines and lending-program requirements. SUTHERLAND GLOBAL (SunTrust Bank) — Houston, TX

Mortgage Loan Processor, February 2015 to March 2016 Provide support to loan officer, underwriter and closing teams by ensuring the timely, judicious, and accurate processing of mortgages. Review and verify borrowers’ income, credit reports, employment histories, property appraisals and title insurance information to prepare loan applications for underwriting submittal. Schedule closings with Title Company and review HUD-1/Closing Disclosure with the borrower. Ensure compliance with company policies, underwriting guidelines and lending-program requirements. Achievement Highlights:

Regarded as one of the company’s most productive loan processors, handling an average of 25 files monthly with pipelines that sometimes-exceeded 50+ files.

Outperformed company average in achieving loan-processing turn-around times less than the 45-day required turn time.

(Typical 30 to 40 days).

Provided expedient service cited as key to consistently high customer satisfaction.

Ensured all files were complete prior to underwriting hand-off and coordinated effectively with title companies to ensure smooth closings. Successfully processed some of the most challenging loan applications (e.g., self-employed applicants and borrowers with problematic credit histories).

STEWART LENDER SERVICES (Bank of America) — Houston, TX Mortgage Loan Processor, April 2012 to February 2015 Performing loan processing and front-end underwriting tasks on a variety of loan modification projects. Review credit reports and financial documents for completeness and accuracy for submission to underwriting and working with the underwriter to complete the loan. Ensure compliance with company policies, underwriting guidelines and lending-program requirements. Achievement Highlights:

Regarded as one of the company’s most productive loan processors consistently meeting or exceeding production targets.

Selected to an underwriting team for the IRRP project working directly with the underwriters to approve modifications. GO DISH.COM — Houston, TX

Sales Representative, June 2009 – December 2010

Telephone sales for in-bound call center. Marketing services for Dish Network, AT&T, Clear Wire, Time-Warner communications and other telecom companies in select regional markets. MORTGAGE ASSOCIATES OF TEXAS — Houston, TX

Loan Officer / Mortgage Consultant, May 2008 - June 2009 Originating mortgage loans for new home purchases and refinancing existing loans. Generated clients by creating working relationships with realtors and working leads provided by the broker. Additionally, I researched title records to find clients with ARM loans about to adjust to present refinance options. Consulted clients with credit issues to help rehabilitate their credit to be able to qualify for mortgage loans.

AMERITRUST CAPITAL MORTGAGE — Houston, TX

Loan Officer / Mortgage Consultant, December 2007 – April 2008 Originating mortgage loans for new home purchases and refinancing existing loans. Generated clients by creating working relationships with realtors and working leads provided by the broker. Additionally, I researched title records to find clients with ARM loans about to adjust to present refinance options. Consulted clients with credit issues to help rehabilitate their credit to be able to qualify for mortgage loans.

CHASECOM — Houston, TX

Sales Manager, October 2005 - June 2007

ChaseCom was an outsource company for AT&T California. I managed a team of 12-15 Account Managers in all aspects of their daily sales activities. I began as an Account Manager and was promoted to Sales Manager within my first six months. Coached a team that was not performing well to become the number one sales team in the company. BEMER MOTOR CARS — Houston, TX

Internet Sales Manager, January 2005 – August 2005 High Line pre-owned vehicle dealership. Managed the dealerships internet website and worked the sales leads for a special finance program at the dealership.

STERLING McCALL TOYOTA — Houston, TX

Internet Sales Manager, May 2002 – October 2004

Sterling McCall Toyota the largest volume Toyota dealership in Texas. Started as a sales representative and was promoted to the Internet/Fleet Sales Department within my six months as one of five Internet Sales Managers. Responsibilities included monitoring the company website and email traffic, prospecting clients, setting appointments, locating, and pricing new vehicles, negotiating, and closing sales transactions and customer service follow-up. Education

NATIONAL ASSOCIATON OF MORTGAGE UNDERWRITERS, MORTGAGE UNIVERSITY — Washington, DC 2014 Certified Mortgage Loan Processor

NATIONAL ASSOCIATON OF MORTGAGE UNDERWRITERS, MORTGAGE UNIVERSITY — Washington, DC 2013 CMMU Certified Master Mortgage Underwriter

CHAMPIONS SCHOOL OF REAL ESTATE — Houston, TX 2007 Mortgage Loan Processor Certification

CHAMPIONS SCHOOL OF REAL ESTATE — Houston, TX 2007 Loan Officer Licensing Course, Completed the required curriculum for State Licensing, Passed the State of Texas Loan Officers License exam December 2007 SAN JACINTO COLLEGE — Pasadena, TX 1980-1981

Electronics/Telephony Certification, Non-Degree program in technical aspects of telecommunications science and hardware.

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