Work from home

ENDYA HORNE

**** ** **** ****** ■ Sunrise, Fl ***22 ■ Phone: 954-***-**** ■ ********@*****.***

Mortgage and Loan Modification Specialist

Mortgage professional with experience managing a employees and a heavy work load in mortgage processing, Loan servicing and loan modifications. Expert in gathering, analyzing and defining the necessary documents to process many mortgage types (FHA, VA, and Conventional). Ability to thoroughly research, analyzes situations, propose creative solutions, develop good rapport with clients and business partners, and bring files to completion. Have over 15 years experience, well qualified and result orientated with a complete understanding of all aspects of the mortgage industry loan processing, loan origination, loan modifications, short sales, compliance and loan servicing.

Professional Experience

DYNAMIC HOME SOLUTIONS GROUP - FORT LAUDERDALE, FL 2007 to Present

Sr. Loss Mitigation Specialist and Mortgage Processor

Key Results:

Coordinated work flow of all modification, short sales, deed in lieu and forbearance agreements. Negotiated with the banks or the investors to come to a final agreement that best fit the lender and the buyer with a 95% success rate. process FHA, VA and Conventional loans as well as short sales, loan modifications and deed in lieu.

Reviewed original closing package to make sure that the client was not a victim of predatory lending, all state and federal laws were followed in the origination (RESPA, HMDA and FCRA).

■ Manage a team of 25 employees, documented workflows and executed comprehensive training plan to the Processing staff that more than doubled our success rate (from 45% to 100%).

■ Analyzing a customer financial situation to determine the proper Loss Mitigation tool to assist the customer. Educate borrowers and realtors about the short sale process, deed in lieu process, Home Affordable Modification Program, loan modification program, repayment plan, and forbearance workout options, as applicable

■ The Ability to work independently as well as part of a team and focus on results; adaptable and flexible.

■ Proficient PC skills including Microsoft Office and Excel.

■ Automated previously manual, time-consuming processes to drive gains in data tracking/accuracy, workgroup efficiency and profitability and Analyze mortgage information.

CASHOUT MORTGAGE-MARGATE, FL 2003 to 2007

Senior Loan Processor and Post Close and Compliance Coordinator

Key Results:

■ Processing of the mortgage files for FHA, VA, Conventional and Subprime loans, coordinating with the originators to make sure all documents were obtained to prepare file for underwriting. Quality control review makes sure all information provided was true and accurate. The preparing the files to be submitted to the underwriter for loan approval.

■ Running files though los system (Calyx, Byte and Contour and running DU through the los system or through the lenders website for automated loan approval and pulling and review credit.

■ Post closing on all mortgage files, making sure they all met the lenders guidelines and state and federal compliance. Once all files passed compliance set up the files to be sold as a bulk to the end investor.

■ Reviewing closing packages and instructions to make sure all lender requirements were meet, approving hud1 and review title and insurance.

Endya Horne Resume

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SEA FINANCIAL GROUP-SUNRISE, FL 2001 to 2003

Loan Processing Manager

Key Results:

Managed processing team of conventional, FHA, VA and Subprime mortgage processors (team of 12)

■ Developed system and optimized processing and created automated daily report that reduced errors on mortgage origination, which increased our close loan ratio by 20%

■ Making sure that all mortgages meet all state and federal regulations

Objective:

A position with a major company with room for advancement, where I can maximize my abilities to process loan, Loss mitigation, managerial experience, customer service and my overall knowledge of business.

Education:

Piper High School, Graduated with Diploma Gold Coast School of Real Estate

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