**** * **** *** *******, Ca ***** 626-***-****

adw537@r.postjobfree.com

Patty Vongxay

Skills

Mortgage industry professional with Sr loan-processing experience and a comprehensive knowledge of Fannie Mae, Freddie Mac conventional loans and government FHA loans.

Calculates W2 earners, Self-em ployed borrowers and Business taxes

Analyzes and orders appraisals, Homeowners association documentation, verification of employment and credit reports in timely manner

Years in the mortgage industry as a Sr. Loan Processor and Funder

LOS with Empower& Encompass

EXPERIENCE

East West Bank

Januray 4,2022- July 29, 2022

Experience and day to day similar to previous processor roles

Pipeline of 80-120 files at any given time

Close on average of 45-50 loan

processing Heloc,FHA, Coventional

Cash Call/lmpac - Senior Loan Processor

August 17, 2020 -November 4, 2021

Experience and day to day similar to previous processor roles

Pipeline of 80-120 files at any given time

Close on average of 45-50 loan

Loan Depot, Foothill Ranch Ca - Senior Loan Processor June 2019 - August 17 2020

Experience and day to day similar to previous processor roles

Pipeline of 80-120 files at any given time

Close on average of 45-50 loans

1

American Financial Network Inc., Brea CA - Retail loan processor September 2017 - June 2019

Process and prepare mortgage loans (conventional and government, purchase and refinance) under various loan programs for closing in accordance with T.R.I.D. policies & procedures.

Work directly with customers to gather conditions and provide updates as loan progresses through funding.

Maintain system accuracy, issue disclosures as required by federal regulatory agencies and review rate lock and point objectives for accuracy.

Set up files and order all necessary exhibits for appraisals and credit reports.

Prepare and calculate income and assets thoroughly before submission to underwriting.

Order and review title insurance, appraisals, loan payoffs, flood and tax certificates and surveys, and thoroughly review all documents before submission to underwriting.

Obtain and review documents for compliance with loan conditions with the loan officer, coordinate with buyers, sellers, title companies, escrow agents, surveyors and real estate agents to obtain additional documentation, complete loan submissions perform closings.

Check alternative documentation for accuracy.

Manage pipeline of 20-35 Loans, successfully funding 50% of pipeline monthly. Greenlight Loans, Irvine, CA Retail loan processor January 2015 - March 2017

Assist Loan Officers in sending out initial loan Disclosures

Submit new loans to Underwriter for approval

Work with escrow and title for documentations needed for files

Manager files from set up to funding

Proficient in FHA Program, Conventional

Validate all residential home loan; analyze borrower's income, credit and other qualifications.

Maintain and update pipeline reports daily email and contact borrower's every 3 days advise them with their loan status.

I approve Lending - Mesa, CA Account Manager Wholesale & Retail February 2014 - January 2015

Reviewing Loan Approval Certification from underwriter for FHA, Conventional loan and request and coordinate with Broker for PTO & PTF Conditions order verification of employment, verification of Deposits, Hazard Insurance, Flood Insurance,4506 Transcript, Flood Certification, Lexis Nexis, USPS, LOP, GSA, SSA Verify

Review Appraisal Report and Bank Statement. Coordinate with Title Company & Escrow Company for prior to doc conditions.

Retail File Position including request aII qualify documentation for FHA, Conventional loan from Loan Officer & borrowers.

2

Open Title, Escrow & Order Appraisal Report Review Loan Approval Certification order verification of employment, verification of deposits, Hazard Insurance, Flood Insurance, 4506 Transcript, Flood Certification, USPS, Lexis Nexis, LOP, GSA, SSA Verify.Review all incoming documentation & review appraisal report, prelim report, coordinate with Title and Escrow for prior to doc & prior to funding conditions Cash Call, Inc -Anaheim, CA - Sr Loan Processor

July 2007 to June 2013

Request funding wire from various warehouse banks

Complete a full accurate review of loan documents and funding conditions for disbursing funds to Title

companies within company-defined quality standards

Review Loan Approval, 1008, 1003, Credit Report, Title and Appraisal Hightech Lending Inc - Irvine/ Ontario CA - Sr Loan Processor September 2011 -February 2012

Funding FHA, Conventional for high volume loans division. Positions includes: performing pre- documentation

audits to ensure proper clearing, review appraisal, title, approve Hud prior to customer signing, audit loan docs before and after customer signing, collect review, and signed off PTF conditions, completion of daily bank package, credit package, organize file completion,

coordinate with escrow and warehouse line such as Gmac & Northpoint for funding and register Mer recording, this requires knowledge of state rules and regulations, and company lending guidelines.

Extremely capable of completing assigned tasks in an accuracy and timely manner. Quick loan Funding - Costa Mesa, CA - Post fund Quality Control Auditor May 2006 - October 2007

Responsibilities include reviewing loan files in their postfunded stage thoroughly and Auditing for discrepancies, misrepresentationand missing documentations for in

Preparation for investor purchase of the loan. Findings are identified and recommendations for correction are made. Duties included detailed visual review of loan documents and Supporting documentation making certain thatloan rates, terms, program are consistent

Throughoutthe file, reviewing loan applications, credit reports, bankruptcy documentation, Appraisals, initial disclosures, escrow instructions, prelim inarytitle reports and verifying Employment, banking institution and mortgage/rental history.

Identifying documents which are date sensitive is essential in the audit process. Audit Includes thorough review of signed loan documents which includes but not limited to Final settlement statement, pay off schedules, notes, deed of trust, riders, insurance Information, homeowner association certifications, right of rescission forms, good faith Estimates and truth in lending documents, etc. 3

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