Denise Aguilar

REO Closer, Mortgage Closer, Loan Closer

*** ******* **. *** ***

Hermosa Beach, CA 90254

Cell: 949-***-****

adrsxt@r.postjobfree.com

EXPERIENCE

Senior Closer at Solidifi, Bu alo NY, Remote

March 2020-May 2022

As a remote Senior Closer I facilitated the closing portion of the transaction by coordinating with all lenders, prepare the closing statements utilizing business partners for data entry and initial quality control functions. Communicate heavily with lenders and other departments internally to ensure translation deadlines are met, merge the final closing package, conduct final review of all documents, deliver a secure link with the closing package to the notary or attorney for signing, coordinate/schedule the signing, which included time and location with borrowers and relay information to all parties.

Closer, Mr. Cooper at Title365, NewPort Beach Ca

June 2019-March 2020

Work o of 4 Ques, 701/Chasing Doc Que for BofA and Freedom Mortgage, which consist of chasing pending docs for upcoming closings, 735 Rejected docs Que for the lender BofA and Freedom, abstract and audit closing packages that have been rejected with a future closing date. 737 Pre Audit Que for BofA and Freedom, perform a pre audit on the signed closing package from the closing table in preparation for funding. 707 Disbursement Que for BofA and Freedom, correct any disbursement errors. Prepare CD, and balance signing dates and figures with the lender. Prepare loan documents and ensure the closing package is complete. Work with Title O cer/Curative Dep to clear any title issues on transactions under contract. Updated Alta’s as needed per the Lender Instructions, and update the Closing Disclosure accordingly. Upload closing documents in notary website in preparation for closing. Balance and disburse files and sent the Ok to release and record to Title. Demonstrate outstanding attention to detail and interact extensively with business team, management, title and borrowers on issues relating to each closing to ensure each transaction is executed in a timely manner. SKILLS

Proficient in Microsoft O ce

Programs including Word,

Excel, Power Point and

outlook. Knowledge of REO

Trans, Equator, Mortgage

Serve, Microsoft O ce XP,

Microsoft O ce 2000, MS

Access 97, XP, Lenstar, Alltell

Workspace, Vision, Linx,

Lotus Notes, DRI, AS 400,

ELS, Softpro, Empower,

Impact/SQL Escrow, (Novare

system), Smartview, Citrix,

Snap docs, RBJ Soft- ware,

DocuSign, Sales Force, MLH

(My Land Home) and Resware

Application.

LANGUAGES

Proficient in english and

Spanish

Jr. Escrow O cer, Loan Depot, Lake Forest Ca.

Sep. 2014-August 2018

Managed the process for complex transactions, involving multiple parties, clearing title, work with the title department to achieve a resolution on any discrepancies attached to the property and borrowers. Open new orders in Loan Depot system Softpro and Empower by inputting and updating system with borrower information, property address, loan number, escrow number etc. Order payo s, releases, zero demands, satisfaction letters, matured installments for judgments and liens as needed. Updated payo figures in SoftPro in preparation for the Estimated Alta, updated Alta’s as needed per processors Lender Instructions, Closing Disclosure and or Fee Sheet. Upload closing documents in notary website in preparation for closing, send out OTR’s

(ok to record) to Title, receive Final Closing Figures from Title and balancing and disbursing files.

Auditor, at LSI Local Solutions, Irvine CA

March 2012 - June 2014

Received and executed pending funding conditions from lender

(Provident) Revised/updated estimated huds as needed, requested revised title prelims as needed, verified taxes using NETRONLINE or by calling the county tax collector’s o ce, obtain proof of shortage checks from borrower, audit lender documents, and worked with funding team to clear any discrepancies to avoid delays in closing. Demonstrate outstanding attention to detail. Keep account managers and executive team updated with all closing dates.

REO Closer at First American Title Santa Ana Ca.

January 2010-February 2012

Worked with Asset Management Company, Listing/Selling Agents on any extension, addendums, or amendments needed to ensure a smooth closing, work on 4 reports on a daily basis which included a 3 day report, stale dated report, EMD release repost and a final hud report to maintain our teams percentage at a 90%, updated First Americans main system Windtrack daily with any email, notes etc. for accuracy and future auditing purposes, provide Fannie Mae with recording confirmations from Escrow on a daily basis, provide final hud package to Fannie Mae within 24 hrs of recording which included, the final hud, wire confirmation, waiver/release and tax proration’s fully executed by the borrower.

REO Closer at Carrington Mortgage Services Santa Ana Ca. August 2008-January 2010

Ordered deeds of trust and other documents as necessary to ensure a smooth and successful closing, coordinate upcoming closings needs with processing manger, schedule closing dates with title company, listing agent, seller agent, attorneys and new buyers, supply closing package for table funding’s to title in a timely manner, obtain estimated hud for review from escrow, make revisions as necessary and approve final huds prior to closing.

REO Closer at Chase Home Finance San Diego Ca.

May 2007-August 2008

Review title commitment to determine exemptions which must be cleared prior to closing, assist with execution of deeds, grant deeds, special warranty deeds, a davits etc. obtain recording information from county recorder’s o ce, order and review necessary surveys and correlate current surveys to property description ensuring accuracy, ensure appraisal and inspections are complete in timely manner prior to closing, fund every transaction per company policies, and interact extensively with business team, management, title and escrow company on issues relating to each closing to ensure each transaction is executed in a timely manner.

EDUCATION

Fullerton College AA Criminal Justice, Graduated 2006 References available upon request

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