TRACIE M. WAGGONER

Cell: 713-***-**** Email: ad4hv4@r.postjobfree.com

MORTGAGE PROFESSION PROFILE

EXPERIENCE:

HIGHLANDS RESIDENTIAL MORTGAGE DALLAS, TX

Loan Closer 3/2020-4/2022

• Reviewing the complete field and ensuring the various documents in the file are in sync with all others and the loan application.

• Understanding the investor closing requirements before documents are drawn

• Enter required escrow details in platform

• Complete closing document per investor/client closing requirements and queue for attorney review if necessary

• Coordinate with the respective third parties and the prospective borrower to schedule the loan settlement

• Provide effective communication and qualify feedback to staff and clients Post settlement co- ordinate with all in order to ensure that the loan proceeds are transferred to the respective borrower to schedule the loan settlement

• Closed an average of 75 closings a month

CADENCE BANK THE WOODLANDS, TX

Loan Closer 7/2018-03/2020

• Facilitated closing and disbursement for Conventional, FHA, VA, USDA and Bond Loan mortgage products

• Review and complete both Preliminary and Final Closing Disclosure

• Gathered closing figures, input closing information and generated loan documents for review and approval

• Coordinated with processors, UW, title companies, attorneys to complete loan submissions and set up closing date and time

• Completely managed and closed all assigned loans, enabling fast closing that were free from errors and issues

• Closed an average of 40 loans per month

SHELLPOINT MORTGAGE HOUSTON, TX

Loan Processor/Loss Mitigation/UW 06/2015-07/2018

• Handled multiple mortgage products that are 60+ days delinquent, as governed by the investor, departmental and legal guidelines

• Maintained servicing files up-to-date for the borrowers best assistance

• Minimize loss due to foreclosure using loss mitigation options such as pre foreclosure sales, loan modification and repayment plans

• Underwrote files to calculate income and due diligence EDUCATION/CERTIFICATION

January 2007/Current Houston Community College

HUD Certified Counselor

COMPUTER SKILLS

Typing 50 WPM, Outlook, Excel, MS Word, Edge, Lotus Notes, Doc Magic, Encompass, RIMS, Docu Prep

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