Loan Closer

Beatrice Garcia

***** * ******** ***, ******** AZ 85307 623-***-**** ********.*********@******.***

Objective: Obtain a Mortgage Loan Closer position to utilize 20yrs plus of extensive experience and knowledge of the entire mortgage process from submission through servicing. Summary of Qualifications:

Bilingual: English/Spanish both oral and written

Ability to achieve immediate and long-term goals and meet operational deadlines. Education: Mortgage Underwriter University Certificate of Completion in :

• Mortgage Underwriter 101- “The Essentials”

• Advance Underwriting- “Real World Lessons”

• Due Diligence- “Learn Manuel Underwriting

• FHA Online University Certificate of Completion in:

• FHA/VA Underwriting-“For Underwriters”

Experience:

4/24- Present ResiCentral, LLC Loan Closer

Review and prepare closing documents for mortgage loans by insuring they are compliant with federal State and investor guidelines

Validate fees at initial and final disclosure ensuring fees meet RESPA and TILA requirements 03/2020-06/2021 Homeowners Financial Group, Peoria AZ, Remote Loan Closer/Funder Prepare loan documents for any state and program specific loan, forward to appropriate parties. Review and prepare final closing disclosure balancing with title insuring we are in compliance per TRID Review signed documents per investor guidelines, order funding wire off designated warehouse line, insure all funding conditions have been met, transfer file to Post-Closing. 09/2015- 03/2020 On Q Financial, Scottsdale AZ, Remote Loan Closer/Funder Accurately prepare loan documents along with any State specific documents required for CONV, FHA, VA and Bon d programs for all regions in the United States.

Balance funding wire with escrow and order funding wire from designated warehouse lending bank 7/2012-03/2013

Freedom Mortgage, Phoenix AZ Loan Closer/Funder

04/2010-06/2010 Wells Fargo Home Mortgage Inc., Phoenix, AZ Loan Processor Rcvd files, called borrower and verified title, conditions and scheduled appraisal to be completed. Once appraisal was rcvd along with updated title, HOI, VOE

Professional Skills

Encompass Ellie Mae,*10 key by touch, *Proficient in Microsoft office and Excel, *IBM TMO, *Alltel Interact, *Fannie Mae Desktop Originator and Fannie Mae Desktop Underwriter, *FHLMC Midanet *Fannie Mae Mornet systems, *GinnieNet Version 5.5, Data Trac, Point and Empow er systems. closing docs, requested any PTF conditions needed with docs and forwarded to title for sign ing. Rcvd files from underwriting and re-evaluated to make sure files where in Goldome requirement’s. Prepared Prepare initial, revised and Final Closing Disclosure in compliance with TRID regulations. Insure any outstanding conditions have been met and cleared before providing funding authorization Review signed docs diligently insuring loans are TRID compliant, Verbally confirm wire instructions Send closing instructions to settlement agent along with CD and HOI to collaborate final closing figures Input data needed in Encompass populating closing documents needed for program borrower was closing under Prepare initial Closing Disclosure verifying fees with invoices in file, review lock on file insuring loan is disclosed TRID compliant, complete any COC’s needed throughout the loan 11/21-7/22 and 6/23 to 11/23 Change Lending LLC, Remote Loan Closer/Funder

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