A Full-Time Non-Qm

Christopher J. Smith

Dallas, TX

Cell: 469-***-****

Email: ************@*****.***

OBJECTIVE:

Seeking a full-time position with an established mortgage company that will allow me to utilize my previous skills, learn new skills, and have an excellent opportunity for advancement.

EDUCATION:

Dallas Baptist University — Business Administration

Dallas, TX Graduation 2014

SKILLS:

Typing 60wpm, Ten key by touch, Microsoft Word, Excel, MATS, LPS, Dynateck, TMO, LSSI, Datatrac, Encompass

EXPERIENCE:

Deep Haven Mortgage — Remote

Wholesale Mortgage Closer

11/2021 – 03/2025

Managed 60-80 Non-QM loans monthly for multiple mortgage companies.

Closed Expanded Prime, Non-QM Programs, HELOC, Bank Statement, Equity Advantage, DSCR investment loans.

Processed loans vested in LLCs, partnerships, corporations, and Trusts.

Applications used: Microsoft Outlook, Hot Docs, Encompass, Excel, Geraci.

Prepared loan package documents and balanced CDs and titles.

Calculated closing costs, title fees, insurance, and origination charges.

Ensured correct disclosures were executed with Account Managers.

Generated closing documents including Note, Mortgage, and disclosure forms compliant with State and Federal regulations.

Homepoint Financial — Remote

Wholesale Closer

11/2020 – 11/2021

Prepared final documentation and mortgage-closing packages for conventional, government, and home-equity loans.

Reviewed loan files and title commitments to ensure loans were ready to close.

Managed and closed all assigned loans, enabling fast closings free from errors and issues.

Facilitated closing and disbursement for conventional, FHA, and VA loans.

Gathered closing figures, input closing information, and generated loan documentation.

Coordinated with brokers, title companies, attorneys, and escrow agents.

Loan Depot Mortgage — Plano, TX

Closer

07/2015 – 11/2020

Responsible for pipeline, keep track of assigned files, issue initial CD to all parties in a timely manner.

Verify all documents for verification. Prepare closing package and funding authorization, processed all wires for the loans.

ServiceFirst Mortgage — Richardson, TX

Junior Processor

03/2013 – 07/2015

Setup all incoming loans into Lending QB, review all disclosures making sure all are fully executed and accurate.

Order 4506t, flood certs, appraisals, FHA case numbers, VA appraisals, COE’s, MERS, process all cancellations, run GSA’s and NMLS, send out title and insurance request.

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