Ammy Kombea
Summary
Motivated professional with extensive experience in loan closing, regulatory compliance, title review, and customer coordination. Adept at ensuring accurate mortgage documentation, meeting strict deadlines, and maintaining high levels of data integrity. Recently expanded experience to include compassionate home health support, emphasizing communication, care, and service excellence.
Overview
14
14
years of professional experience
Work History
Home Health Aide/Caregiver
Paragon Home Care
06.2024 - Current
- Support senior clients with personal care, grooming, mobility, and daily wellness needs.
- Promote independence and dignity through respectful interaction and routine assistance.
- Provide companionship, emotional support, and conversation.
- Assist with medication reminders, safe mobility, and meal preparation.
- Perform light housekeeping and other essential daily living tasks.
Loan Closer
Homespire Mortgage
01.2020 - 11.2023
- Resolved title exceptions and cleared impediments to closing through detailed research.
- Drafted closing instructions based on lender requirements to ensure accuracy and compliance.
- Performed post-closing reviews, ensuring adherence to RESPA, TILA, and federal regulations.
- Identified discrepancies, obtained missing documents, and coordinated borrower execution.
- Completed title searches and validated accuracy of key legal documents.
- Executed post-closing tasks including recording fees, tracking insurance, and payoff verification.
- Coordinated communication between buyers, sellers, title companies, lenders, and appraisers.
Sr. Loan Closer
NVR Mortgage
03.2012 - 12.2019
- Prepared all closing disclosures and required documents for settlement.
- Cleared underwriting conditions and ensured full loan approval readiness.
- Reviewed final closing packages and corrected inaccuracies promptly.
- Maintained a pipeline of 40+ closings per month while meeting strict deadlines.
- Prepared post-closing binders for government-insured loans.
- Verified wire amounts and coordinated figures with title companies.
- Reviewed mortgage documents for completeness and regulatory compliance.
- Collaborated with processors, loan officers, and title partners to resolve issues.
Education
St. Joseph's Institute
Freetown01.1984
Skills
- Loan Operations
- Commercial Real Estate
- Mortgage Closing
- Title Review
- Government Lending
- Closing Disclosures
- RESPA/TILA Compliance
- Loan Documentation
- Post-Closing QC
- TRID
- Fraud Prevention
- Regulatory Compliance
- Payment Calculations
- Customer Support
- Bank Secrecy Act
- Document Recording
- Settlement Processes
- Patient care
Timeline
Home Health Aide/Caregiver
Paragon Home Care
06.2024 - Current
Loan Closer
Homespire Mortgage
01.2020 - 11.2023
Sr. Loan Closer
NVR Mortgage
03.2012 - 12.2019
St. Joseph's Institute