Sales, Mortgage, Loan, Real estate

Victoria A. Kral

**** **** **

Racine, WI *****

262-***-**** (Home)

262-***-**** (Cell)

**********@*******.***

EXPERIENCE

Redefined Realty

April 2008 to Present

Position: Sales Associate

• Working with clients to sell or buy a home

• Looking at comparable sales

• Inspecting properties

• Taking photos of property to list

• Writing up offer to purchase or listing contracts

• Marketing property

• Schedule an “Open House”

American Home Mortgage

May 2001 to April 2008

Position: Loan Originator

Consumer Loan Advisors

April 1999 to May 2001

Position: Branch Manager/Loan Originator

Lakeside Mortgages Services

Jan 1998 to April 1999

Position: Assistant Manager/Loan Originator

• Working with clients to purchase or refinance a home

• Pulling a credit report to evaluate

• Calculating how much they can afford (assets, liabilities & income)

• Order appraisal, title, mortgage payoffs, verification of mortgage & employment

• Calculate a “HUD” to see how much money is needed for closing

• Review Settlement Statement with client and attend closing

Lakeside Title, Inc.

May 1993 to Jan 1998

Position: Closing Agent

• Prepare a Settlement Statement according to lenders requirements

• Calculate payoffs, special assessments, judgements, and delinquent taxes

• Review title and surveys

• Calculate property taxes, hazard insurance and pmi

• Sign all checks to be disbursed at closing

• Review lenders docs and closing package with buyer

• Notorize legal documents

• Disburse checks at closing

• Disburse closing package back to lender with all pages signed

• Record mortgage, deed and transfer return

EDUCATION:

J. I. Case High School

University of Wisconsin- Oshkosh

University of Wisconsin-Parkside

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