Mortgage Loan Originator
Resume:
Jose Socorro
Davenport, FL *****
adybrh@r.postjobfree.com
Mortgage Loan Origination
Authorized to work in the US for any employer
Work Experience
Mortgage Loan Originator
American Pacific Mortgage - Orlando, FL
February 2023 to June 2023
Responsibilities
Originated mortgage loans primarily from self sourced leads. Loan types Conventional, FHA, VA, USDA and Non QM. Pre-qualifying mortgage loan applicants and presenting mortgage loan options to qualified applicants and selling loan to applicant. Collection of income and asset documents to submit loan for Processing. Contact with customers, in person and phone, for pre-qualifying and loan application, counseling customers on potential credit issues.
Mortgage Loan Originator
KBHS Home Loans, LLC - Orlando, FL
February 2021 to December 2022
Responsibilities
Originated Mortgage Loans (Conventional, FHA, VA, USDA, and Non QM) for borrowers purchasing new homes from KB Homes, a major Homebuilder. Pre-qualifying mortgage loan applicants and presenting mortgage loan options to qualified loan applicants, and weekly backlog review with Homebuilder. Collecting income and asset documents to submit loan for Processing and Underwriting. Contact with customers, in person and phone, for pre-qualifying and loan application, counseling customers on potential credit issues. Establish relationships with Sales Reps, borrowers, and Realtors. Mortgage Loan Originator
RP Funding - Orlando, FL
September 2015 to February 2021
Responsibilities
Originated mortgage loans, Conventional, FHA/VA, and USDA, purchase and refinance. Pre-qualifying mortgage loan applicants and presenting loan options to qualified loan applicants. Collecting income and asset documents to submit loan for Processing and Underwriting. Most leads were company generated leads, also handled referrals from outside Realtors. Contact with customers, in person and phone, for pre-qualifying and loan application, counseling customers on potential credit issues and selling loan to customer.
Associate Account Representative
Amica Mutual Insurance - Orlando, FL
January 2015 to September 2015
Responsibilities
Sales and service of Property and Casualty Insurance policies (Auto, Home, Marine, Umbrella) in a call center. Communication with customers via phone and email. Forensic Loan Review Analyst/Appraisal Analyst
DIGITAL RISK - Maitland, FL
October 2012 to September 2014
Responsibilities
Perform in depth forensic underwriting review of closed mortgage loan files for compliance with applicable
State and federal laws and adherence to specific lender guidelines with an emphasis on buy-back/put- back possibilities. This review includes identifying potential fraud and/or misrepresentation on the part of al interested parties to the transaction. Provide Quality Control Reviews for assigned associates. Concentration on Non-performing Freddie Mac loans. Insurance Rep. Sr
21st CENTURY INSURANCE & FINANCIAL SERVICES INC - Lake Mary, FL December 2007 to October 2012
Responsibilities
Personal Lines
Sales and service of auto insurance policies in a call center environment. Communication with customers both on the phone and on e-commerce (e-mail and live chat). Licensed Mortgage Consultant
ZERO POINT MORTGAGE - Orlando, FL
August 2007 to December 2007
Responsibilities
Origination of Mortgage Loans, Conventional, Alt. A, Sub prime B/C Loans. Both refinance and purchase loans primarily from internet leads. Pre-qualifying mortgage loan applicants and presenting loan options to qualified loan applicants. Collecting income and asset documents to submit loan for Processing and Underwriting
Sr. Loan Officer
SUNBELT LENDING SERVICES - Orlando, FL
May 2004 to July 2007
Responsibilities
Origination of Mortgage Loans, Conventional, FHA/VA, non-conforming, B/C Loans. Primarily purchase business referrals from Coldwell Banker Residential Real Estate but also refinance business. Contact with customers, in person and phone, for pre-qualifying and loan application, counseling customers on potential credit issues and selling loan to customer. Soliciting Realtors, current, and previous customers for referral business.
Loan Originator
MORTGAGE MAGIC INC - Altamonte Springs, FL
January 2004 to May 2004
Responsibilities
Origination of Mortgage Loans, Conventional, FHA/VA, non-conforming, B/C Loans. Purchase and refinance business. Contact with customers, in person and phone, to obtain information to complete loan application, counseling customers on potential credit issues and selling loan to customer. Soliciting Realtors and current and previous customers for referral business. Sr. Mortgage Loan Officer
SIB MORTGAGE CORP - Orlando, FL
August 2003 to December 2003
Responsibilities
Origination of Mortgage Loans, primarily purchase business. Conventional, FHA/VA, non-conforming, B/ C Loans. Contact with customers, in person, phone, email, to obtain information to complete mortgage application, counseling customers on potential credit issues and selling loan to applicant. Also soliciting Realtors and customers for referral business.
Mortgage Loan Officer
WATSON MORTGAGE CORP - Orlando, FL
May 2000 to August 2003
Responsibilities
Origination of Mortgage Loans for purchase and refinance, primarily purchase business referrals from Watson Realty. Conventional, FHA/VA, non-conforming, B/C loans. Contact with potential customers, in person and phone, to obtain information to complete mortgage application and to request documentation to process loan. Also, advising applicants of potential credit issues and selling loan to applicant. Soliciting Realtors and prospective customers for referral business. Education
45 Credits Earned towards BA Degree in Finance Major FLORIDA INTERNATIONAL UNIVERSITY - Miami, FL
1979 to 1984
72 Semester Credits for Associate in Arts Degree in Business Administration MIAMI DADE COMMUNITY COLLEGE - Miami, FL
1975 to 1979
High School Diploma
LOYOLA SCHOOL - Miami, FL
September 1972 to June 1975
Skills
• Loan Officer Experience
• Lending
• Analysis Skills
• Escrow
• Marketing
• Microsoft Outlook
• Microsoft Word
• Fair Housing Regulations
• Communication skills
• Banking
• Financial Analysis
• Account Management
• Windows software, bilingual english/spanish, sales experience, expeience in analyzing credit and financial information for lending purposes, collections experience in mortgage loans and installment loans.
• Bilingual in English/Spanish
• Negotiation
• Business Development
• Marketing
• Spanish
• Salesforce
• Business Development
• Pricing
• Pricing
• Negotiation
• Experience with mortgage loan documents and mortgage loan processing
• Loan origination
• Analysis Skills
• Accounts Receivable
• Extensive experience with customer contact via phone and in-person
• FNMA
• Underwriting
• Microsoft Outlook
• Live Chat
• Bilingual
• Salesforce
• Microsoft Excel
• E-Commerce
• NMLS MLO License # 304004
• Experience with Conventional, FHA, VA, USDA Mortgage Loans (10+ years)
• Research
Languages
• Spanish - Fluent
Certifications and Licenses
MLO
NMLS
Real Estate License
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