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Mortgage Loan Closer

Phoenix, AZ
March 24, 2023

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**** * **** *** **** *, Glendale AZ *****

Beatrice Garcia


Objec ve: Obtain a Mortgage Loan Closer posi on to u lize 20yrs plus of extensive experience and knowledge of the en re mortgage process from submission through servicing.


Educa on: Mortgage Underwriter University Cer ficate of Comple on in :

• Mortgage Underwriter 101- “The Essen als”

• Advance Underwri ng- “Real World Lessons”

• Due Diligence- “Learn Manuel Underwri ng

• FHA Online University Cer ficate of Comple on in:

• FHA/VA Underwri ng-“For Underwriters”

• FHA Direct Endorsement-”DE Underwri ng”


11/2021-07/2022 Change Lending LLC Loan Closer/Funder Prepare ini al CD’s verifying fees with invoices in file, review lock in file insure loan is disclosed TRID compliant Prepare loan documents within 24hrs from CTC balancing with tle insuring loan is closing as approval reflects Verbally confirm wire instruc ons prior to reques ng wire, review signed docs diligently avoiding PC issues Insure any outstanding condi ons have been met and cleared before providing funding authoriza on 03/2020-06/2021 Homeowners Financial Group, Sco sdale AZ Loan Closer/Funder Prepare loan documents for any state and program specific loan, forward to appropriate par es. Review and prepare final closing disclosure balancing with tle insuring we are in compliance per TRID Review signed documents per investor guidelines, order funding wire off designated warehouse line, 09/2015- 03/2020 On Q Financial, Sco sdale AZ Loan Closer/Funder Prepare ini al, revised and Final Closing Disclosure in compliance with TRID regula ons. Accurately prepare loan documents along with any State specific documents required for CONV, FHA, VA and Bond programs for all regions in the United States.

07/2012-03/2013 Freedom Mortgage, Phoenix AZ Loan Closer/Funder Rcvd files from underwri ng and re-evaluated to make sure files where in Goldome requirement’s. Prepared closing docs, requested any PTF condi ons needed with docs and forwarded to tle for signing. 04/2010-06/2010 Wells Fargo Home Mortgage Inc., Phoenix, AZ Loan Processor Rcvd files, called borrower and verified tle, condi ons and scheduled appraisal to be completed. Once appraisal was rcvd along with updated tle, HOI, VOE

Professional Skills

Encompass Ellie Mae,*10 key by touch, *Proficient in Microso 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 Empower systems.

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