Joshua Mascorro
Garland, TX 7540
Summary
Experienced mortgage professional with over 20 years in the mortgage and real estate industries, specializing in customer experience, and loan documentation. Proven ability to manage complex loan files, ensure compliance with regulatory guidelines, and provide exceptional support to loan officers and clients. Highly organized and detail-oriented, with a passion for customer service, and delivering high-quality work in fast-paced environments.
Overview
25
25
years of professional experience
Work History
Sales Contact Specialist
PennyMac
03.2023 - 07.2024
- Facilitated communication between loan officers and potential clients, ensuring timely and accurate responses to inquiries.
- Consistenly ranked in top 5% for lock to close pull through ratio.
- Entered customer information into the company system for pre-approvals, ensuring accuracy and completeness in data entry.
- Provided training and support to the sales team on best practices for contacting prospects, demonstrating excellent communication and organizational skills.
- Managed inbound and outbound calls, ensuring a high level of customer service and satisfaction, critical for building relationships with borrowers.
- Worked closely with loan officers and processors to troubleshoot and resolve issues, ensuring smooth loan origination processes.
Document Services Sr. Associate
Mr. Cooper
09.2018 - 04.2022
- Worked closely with customers and government agencies to manage documentation, aligning with the need to handle loan documentation in compliance with federal guidelines.
- Reviewed internal and vendor exception reports to meet timelines and production goals, showcasing the ability to manage multiple tasks and deadlines.
- Audited and verified documentation required for partial releases, substitutions, and other collateral-related requests.
- Coordinated with HUD and Fannie Mae to obtain necessary approvals, ensuring compliance with regulatory requirements.
Document Control Specialist
Mr. Cooper
07.2016 - 08.2018
- Collaborated with multiple departments to request and manage collateral files, reflecting strong organizational skills and attention to detail.
- Ensured timely release of files by working closely with custodians, maintaining a seamless workflow..
- Provided clear and professional communication to internal departments regarding the status of requests, fostering transparency and teamwork.
- Assisted in the development of new processes to improve efficiency and accuracy in document control.
Audit and Resolution
Mr. Cooper
07.2013 - 07.2016
- Reviewed internal and vendor reports to ensure compliance with service level agreements (slas) and production metrics.
- Directed and assigned tasks to ensure post-closing conditions were cleared timely, demonstrating leadership and organizational skills.
- Audited documents for accuracy and compliance, mitigating risks and ensuring adherence to guidelines.
- Managed relationships with vendors to ensure timely resolution of outstanding issues, maintaining high standards of service and compliance.
Underwriting Support / Project Specialist
Fannie Mae (contracted through Aerotek)
04.2013 - 06.2013
- Processed electronic loan files, analyzed loan characteristics, and audit data compared to source documents.
- Ensured data accuracy by verifying entries against original documents, contributing to the reliability of underwriting decisions.
- Assisted in the preparation of data and research tools for underwriting, ensuring thorough and accurate loan assessments.
- Supported the underwriting team by managing a pipeline of loans, ensuring timely and efficient processing.
Business Analyst
MetLife Home Loans (contracted through AllSource)
05.2011 - 04.2013
- Analyzed recorded documents to mitigate repurchase risk, highlighting attention to detail and problem-solving skills.
- Established relationships with third-party custodians, ensuring all documents met regulatory and agency guidelines.
- Cleared aged exceptions to meet required threshold targets, demonstrating a commitment to accuracy and compliance.
- Communicated effectively with borrowers and vendors to resolve issues and ensure the accuracy of legal documents.
Loan Processor
Processing Done Right (contract services)
07.2010 - 05.2011
- Worked with FHA Connection to assign case numbers and manage various aspects of the loan process, reflecting attention to detail and procedural knowledge.
- Provided support for loan officers, underwriting, and customers, ensuring smooth communication and a high level of service.
- Managed a large pipeline of loans, ensuring timely follow-up and final approval.
- Reviewed finalized loan documentation to ensure accuracy and compliance with Freddie Mac, Fannie Mae, and company guidelines.
Business Analyst
National Bankruptcy Services
10.2009 - 07.2010
- Analyzed Chapter 13 plans and accurately transferred information into databases, ensuring compliance with bankruptcy regulations.
- Reviewed court dockets for updates and changes, maintaining accurate and up-to-date case records.
- Created and submitted legal document claims on behalf of attorneys, ensuring timely and accurate filing with the courts.
- Managed a pipeline of approximately 100 files, ensuring consistent follow-up and resolution of outstanding issues.
Loan Processor
Amerinet Mortgage
01.2006 - 10.2009
- Evaluated risk and made decisions regarding deficiencies identified during the loan review process, ensuring compliance with lending guidelines.
- Primary contact for customers, while managing a heavy pipeline of purchase and refianace transactions.
- Closely monitored key dates such as lock periods, contractual Finance Approval and closing dates to ensure all were met on a consistent basis.
- Reviewed loan packages for accuracy and completeness, ensuring they met product and agency guidelines.
- Utilized strong Excel skills to track productivity and accuracy, contributing to process improvements and efficiency.
Real Estate Agent
The Michael Group
01.2000 - 01.2009
- Created lists of homes tailored to client requests, demonstrating a strong understanding of customer needs and market knowledge.
- Built and maintained customer relationships by conducting property showings and guiding clients through the home-buying process.
- Assisted clients in making offers and negotiated with listing agents, ensuring favorable terms and successful transactions.
- Managed all aspects of real estate transactions, from initial inquiry to closing, providing a seamless and professional experience for clients.
Loan Officer Assistant
Amerinet Mortgage
03.2004 - 01.2006
- Pre-qualified potential clients, ran ratios, and entered borrower information into Calyx system.
- Pulled and reviewed tri-merge credit reports, ensuring accurate and thorough analysis of borrower creditworthiness.
- Assisted clients in completing loan applications, disclosures, and understanding the loan process, providing excellent customer service.
- Managed client communications and set up appointments, ensuring a smooth and efficient loan application process.
Education
Real Estate License -
Champion School of Real Estate
Plano, TX12-2001
Diploma -
North Garland High School
Garland, TX07-1999
Skills
- Mortgage Processing & Documentation: Extensive experience with FNMA, FHLMC, FHA, and VA guidelines
- Organizational Skills: Proven ability to manage multiple tasks, pipelines, and deadlines efficiently
- Communication: Excellent verbal and written communication skills, with experience in client and internal communication
- Attention to Detail: Strong ability to audit, verify, and process detailed loan documentation
Timeline
Sales Contact Specialist
PennyMac
03.2023 - 07.2024
Document Services Sr. Associate
Mr. Cooper
09.2018 - 04.2022
Document Control Specialist
Mr. Cooper
07.2016 - 08.2018
Audit and Resolution
Mr. Cooper
07.2013 - 07.2016
Underwriting Support / Project Specialist
Fannie Mae (contracted through Aerotek)
04.2013 - 06.2013
Business Analyst
MetLife Home Loans (contracted through AllSource)
05.2011 - 04.2013
Loan Processor
Processing Done Right (contract services)
07.2010 - 05.2011
Business Analyst
National Bankruptcy Services
10.2009 - 07.2010
Loan Processor
Amerinet Mortgage
01.2006 - 10.2009
Loan Officer Assistant
Amerinet Mortgage
03.2004 - 01.2006
Real Estate Agent
The Michael Group
01.2000 - 01.2009
Real Estate License -
Champion School of Real Estate
Diploma -
North Garland High School
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