Ashley Baltazar

I bring 5 years of experience in drawing loan documents and 9 years of experience working in Encompass, with a strong track record of preparing, reviewing, and delivering compliant, accurate, and timely closing packages. I specialize in ensuring documentation meets TRID, RESPA, federal, and state regulatory requirements.

I collaborate closely with Loan Officers, Processors, Underwriters, and title/escrow partners to resolve closing issues, balance final figures, clear funding conditions, and coordinate closing timelines for a seamless borrower experience. I am proficient in generating loan documents through Encompass, verifying data integrity, and correcting discrepancies prior to closing. When changes in circumstance occurred—including rate changes, insurance adjustments, or loan amount modifications—I issued revised Closing Disclosures to maintain strict compliance.

I have extensive experience preparing loan packages across FHA, VA (including IRRRLs), USDA, Conventional, and various Down Payment Assistance programs. This includes WSHFC, MHFA, WHEDA, CHENOA, and other state housing initiatives. I am well-versed in both escrow and attorney states and can prepare wet and dry closing files.

Throughout my career, I have maintained a 100% on-time closing rate, consistently improving efficiency and customer satisfaction. I managed a high-volume pipeline, meeting all turn times and successfully delivering an average of 60+ closings per month. Additionally, I regularly ran compliance checks using Mavent, Fannie Mae, and Freddie Mac systems and added or cleared conditions needed for closing and funding.

• Ensured timely follow-up on outstanding issues to expedite the closing process.
• Maintained organized records and files for all closing transactions, ensuring easy retrieval.
• Collaborated with underwriters to address and resolve any discrepancies in loan applications.
• Managed closing calendars and schedules for multiple transactions concurrently.
• Conducted quality assurance checks on closing documents to maintain high standards.
• Ensured accurate computation of closing costs and disclosures for clients.
• Participated in regular team meetings to discuss process updates and share feedback.

Managed the Closing Distribution, by cutting all pending checks that were in the Register, signing and sending them to all parties involved. Uploaded the Final accounting records and settlement document to ensure accurate compliance. Created and uploaded the Final Settlement Statements. Coordinated delivery on final statement and recording numbers to buyer, seller, lender and agents, contributing to a seamless transaction.

• Reduced errors in documentation by thoroughly reviewing all paperwork and ensuring accuracy before submission.
• Adhered to established deadlines consistently, ensuring promptness in meeting client expectations throughout the escrow process.

Prepared and Disclosed Initial Closing Disclosures (CDs), within strict timelines to facilitate on-time loan closings. Balanced with Escrow to confirm all fees were accurate and ensure delivery of CD is within a timeframe that will allow loans to close on time. Reviewed loan documents for errors and compliance with FHA, VA, USDA, and conventional loan programs. Worked closely with title/escrow officers and loan processors to ensure pipeline efficiency and meet key deadlines. Played a key role in delivering insurable and saleable loans by ensuring adherence to lending guidelines. Managed pipelines to meet turn times.