Toni M. Antonas

Palm Beach County, FL

ad4cbk@r.postjobfree.com

443-***-****

QUALIFICATIONS

Licensed Mortgage Loan Officer, Loan & Sales Assistant, Pipeline Management, Account & Sales Management, Credit Analyst, Accounts Payable & Receivable, Collections. MY DISCLAIMER: Please be aware, I have been employed with multiple mortgage companies over the years due to mergers, acquisitions and the economy.

• Extremely detail oriented, able to work remotely and in an office environment.

• Twenty-four+ years of experience for all residential mortgage loans and pipeline management.

• Conventional, FHA, VA, USDA, Reverse, Down Payment Assistance, Direct and Brokered Lending.

• Originate mortgage loan applications from beginning to the final stages of the loan process.

• Carefully review and disclose loan application with disclosures.

• Work directly with realtors, title companies, insurance companies, closing and post-closing departments.

• Knowledge of State and County Down Payment Assistance programs and guidelines.

• Two+ years of nationwide abstracting, legal research and retrieval in the courthouses.

• Detailed searches of property appraiser and land records to preform full property, judgment and lien searches.

• Knowledgeable in evaluating credit reports via Equifax, Experian, TransUnion.

• Knowledgeable in evaluating residential appraisals.

• Knowledgeable in review of income/asset documents and income calculations.

• Navigate loan origination systems CRM’s and more: Encompass, Calyx, All Regs, e-Leads.

• Excellent and professional customer service, follow up and time management skills. EXPERIENCE

June 2023 – Present PHH Mortgage West Palm Beach, FL Contract Management Coordinator-Hybrid

• Review and execute a variety of documents for court proceedings pertaining to servicing mortgage loans.

• Document review of affidavits/sworn statements, declarations, complaints, petitions, deeds, Certificate of Proceeds, Pleadings, Proof of Claims, Loss Mitigation Affidavits, Real Estate Owned.

• Notarization of legal documents while ensuring the documents meet all state notary guidelines.

• Review and confirm the accuracy of documents drafted by outside counsel.

• Ensure all the steps taken during the verification, execution and notarization of documents are in compliance with Ocwen’s policies and procedures, state and federal laws.

• Communicate with investors; vendors attorneys, other business unit’s teams, Ocwen’s legal and senior leadership to manage cases towards resolution.

• Produces error free work material by assuring data and documents are consistent, error-free, formatted properly and compliant to Ocwen, investor, state and federal verbiage requirements.

• Navigate effectively through the system of record to ensure all information within all documents are verified in a timely manner.

• A team player: work with co-workers to assist in achieving department goals.

• Knowledge of the foreclosure and bankruptcy process and terminology.

• Detailed and goal oriented, great problem solver, able to multitask. April 2023 – May 2023 Good Greek Moving & Storage West Palm Beach, FL Inside Sales Professional

• Handle all incoming sales calls and Internet leads.

• Reach out to prospective and existing residential and commercial clients to generate sales.

• Maintain an accurate database with customer information, update leads, follow up, etc.

• Schedule sales inspection appointments.

• Completed detailed inventory of items to be moved in order to schedule proper crew and trucks.

• Process payments for scheduled moves and storage facilities.

• Perform job duties assigned by supervisors.

• Interact with clients and potential prospects via social media marketing and email marketing. October 2022 – March 2023 Ed Morse Honda West Palm Beach, FL Internet Sales Representative

• Handle all incoming sales calls and Internet leads.

• Maintain an accurate database with customer information, update leads, follow up, etc.

• Support on-line customers by establishing rapport, answering questions, providing information and setting appointments.

• Meet and greet customers in the showroom and provide a warm hand off to the Product Specialist. October 2021 - August 2022 Cross Country Mortgage Naples, FL Loan Officer Assistant & Mortgage Loan Officer- Remote

• Develop and maintain business referrals, worked directly with real estate agents.

• Pipeline management: follow up with new and existing loan opportunities.

• Originate purchase and refinance loans in Florida.

• Update and complete loan applications for Pre-Approval to purchase and refinance.

• Verify Income and Assets in order to issue Pre-Approvals to purchase.

• Obtain AUS approvals, complete loan itemizations, review pricing and lock loans.

• Review Purchase Contracts and Addendums in order to accurately structure the loan application in Encompass.

• Request and review pertinent income, asset and supporting documents per lender guidelines.

• Research Self-Employment & Down Payment Assistance guidelines.

• Request credit reports, review, analyze credit and utilize credit simulators.

• Request and review results of Data Verify, Flood Certifications and Elevation Certificates.

• Request title, provide important information to the title company about the buyers and sellers.

• Request verification(s) of income and employment, written request or via 3rd party verifier(s).

• Request insurance quotes and request to bind insurance once the borrower(s) has decided.

• Research property database for tax bills, recent sales, deeds and ownership per guidelines.

• Research and create correct file contacts for realtors and title companies to include licensing information Encompass database.

April 2019 - October 2021 Guaranteed Rate Tampa, FL Loan Officer Assistant & Mortgage Loan Officer- Remote

• See above qualifications and duties as a Loan Officer Assistant. April 2018 - November 2018 P R M G Miami Shores, FL Mortgage Loan Officer

• Originate purchase and refinance loans in Florida.

• Develop and maintain business referrals.

• Follow up with new and existing loan opportunities.

• Network with real estate agents, insurance agents, attorneys.

• Conduct Lunch and Learn seminars and other networking events for real estate agents.

• Update and complete loan applications for Pre-Approval to purchase or refinance.

• Verify Income and Assets in order to issue Pre-Approvals to purchase.

• Obtain AUS approvals, complete itemization, price loans and lock loans.

• Review Purchase Contracts and Addendums in order to accurately structure the loan application in Encompass.

June 2016 - March 2018 Waterstone Mortgage St. Petersburg, FL Remote Loan Officer Assistant- Remote

• See above qualifications and duties as a Loan Officer Assistant. January 2000 – April 2016 Various Mortgage Companies Maryland & Florida Mortgage Loan Officer & Loan Officer Assistant

• See above qualifications and duties as a Mortgage Loan Officer. August 1996 - December 1999 Hylind Search Company Baltimore, MD Officer Manager

• Managed a small office of employees, delegated daily research orders.

• Nationwide public research and retrieval, abstracting in courthouses.

• Researched land records to perform full property, judgment, various lien and UCC searches.

• Requested and provide results for Good Standings from the Secretary of State, Maryland.

• Completed accurate and detailed data reports on findings.

• Performed accounts receivable and accounts payable duties. June 1986 - July 1994 Sports Elite Baltimore, MD

Owner/Operator

• Owned and operated two retail sporting goods stores on a daily basis.

• Managed employees, handled payroll and accounts payable.

• Attended trade shows nationwide.

• Pre-booked merchandise orders for upcoming seasons.

• Held promotional events-contracted professional skateboarders for skate demos.

• Professional skateboarders/skate team members that promoted our stores were Bucky Lasek and Brandon Novak.

LICENSES & EDUCATION

Mortgage Loan Originator License # LO33656

Nationwide Mortgage Licensing System NMLS # 220503 State of Florida Notary Public ID # 1776656

CCBC/Community College of Baltimore County, MD Limited Courses Overlea High School, Baltimore, MD Graduate-HSD

GREEK SCHOOL Graduate-Six Years of Studies

Language, Reading, Writing and Mythology Studies St. Demetrios Greek Orthodox Church References are available upon request. Thank you for your time and consideration.

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