Charlite Darden
Mesquite,TX
Summary
Detail-oriented real estate and mortgage professional with over a decade of experience in mortgage operations, document review, property transactions, and title research. Skilled in identifying title issues, auditing loan documents, and collaborating with legal and settlement teams to ensure seamless closings. Strong understanding of title clearance, HUD/CD preparation, funding, and property records—seeking to transition into a Title Examiner role to leverage in-depth industry knowledge and precision-driven work ethic.
Overview
24
24
years of professional experience
1
1
Certification
Work History
Leasing Professional II (Portability)
Dallas Housing Authority
Dallas, TX
05.2023 - Current
- Reviewed income documents and housing contracts for compliance with HUD and Walker Settlement terms.
- Managed relocation files and issued HAP contracts for voucher clients; supported client file audits.
Corporate Closing Disclosure Specialist
Fairway Independent Mortgage
Carrollton, TX
10.2020 - 08.2022
- Audited title documents and real estate transaction files to ensure compliance with federal/state regulations.
- Reviewed contracts, title fees, and insurance documents to validate accuracy prior to issuing Closing Disclosures.
- Prepared and sent Initial CDs to borrowers and settlement agents; confirmed alignment with Encompass system data.
- Flagged discrepancies in documentation including title liens and ownership details, supporting smooth closing.
Corporate Bond Funder
Fairway Independent Mortgage
Carrollton, TX
09.2016 - 10.2020
- Analyzed loan closing documents for legal accuracy prior to disbursement authorization.
- Verified executed deeds, notary seals, HUD-1 statements, and funding conditions.
- Maintained funding logs and coordinated with escrow agents, closers, and underwriters.
- Monitored document execution for title clarity and compliance with funding requirements.
Customer Service Agent
Arise/Carnival Cruise Lines
Remote
01.2016 - 09.2016
Real Estate Agent
VIP Realty
Dallas, TX
01.2015 - 06.2016
- Assisted clients in buying and selling properties including preparing legal documents for closings.
- Reviewed title commitments and collaborated with title companies and attorneys to resolve defects.
- Guided buyers through the financing, appraisal, and title review process.
- Ensured all documentation was correctly completed and submitted.
Operations Analyst
Bank of America Home Loans
Plano, TX
04.2010 - 08.2014
- Audited loan modification files to verify accuracy and title compliance with investor guidelines.
- Worked with closing teams and accounting to update and correct title records in iSeries (AS400).
- Trained staff on title-related workflows and system accuracy.
Workout Negotiator I
Bank of America Home Loans
Richardson, TX
05.2008 - 03.2010
- Verified title clearance and coordinated with attorneys on Deed-in-Lieu processes.
- Reviewed appraisals and public property records to ensure ownership and lien status before approval.
Tax Researcher
First American Corporation
Dallas, TX
01.2002 - 01.2007
- Conducted title-related tax research for escrowed and non-escrowed loans.
- Obtained accurate property tax amounts and processed redemptions for tax-sale properties.
- Ensured property records, parcel numbers, and payment histories were updated and validated.
Education
Real Estate Coursework
Allied Business School
Laguna Hills, CA01.2015
Computerized Business Administration -
ATI Career Training Center
Dallas, TX01.1996
Skills
- Title review and clearance
- Closing disclosure and HUD-1
- Legal documentation audit
- Mortgage and loan processing
- Real estate transactions
- Encompass and Microsoft Excel
- Deed-in-lieu and foreclosure workouts
- Tax research and redemption
- FHA, FNMA, and HCV compliance
- Customer relations and communication
- Document review and imaging systems
- Title research tools and public records
- E-signature platforms
Certification
- Certified Notary Public – State of Texas
- Rent Calculations Certification – 2024
- NIST Cybersecurity Framework Foundation – 2023
- ChatGPT: Security, Privacy & Ethical Hacking – 2023
- Real Estate Sales License (Past, VIP Realty – 2015–2016)
- CompTIA A+ 1000 - Part 1, - 2025
Timeline
Leasing Professional II (Portability)
Dallas Housing Authority
05.2023 - Current
Corporate Closing Disclosure Specialist
Fairway Independent Mortgage
10.2020 - 08.2022
Corporate Bond Funder
Fairway Independent Mortgage
09.2016 - 10.2020
Customer Service Agent
Arise/Carnival Cruise Lines
01.2016 - 09.2016
Real Estate Agent
VIP Realty
01.2015 - 06.2016
Operations Analyst
Bank of America Home Loans
04.2010 - 08.2014
Workout Negotiator I
Bank of America Home Loans
05.2008 - 03.2010
Tax Researcher
First American Corporation
01.2002 - 01.2007
Real Estate Coursework
Allied Business School
Computerized Business Administration -
ATI Career Training Center
Similar Profiles
Marlen RodriguezMarlen Rodriguez
Family Self-Sufficiency Coordinator at Dallas Housing AuthorityFamily Self-Sufficiency Coordinator at Dallas Housing Authority
Kwameshia ReeseKwameshia Reese
Sr Case Manager at Dallas Housing AuthoritySr Case Manager at Dallas Housing Authority
LaTanya NelsonLaTanya Nelson
Leasing Professional II at Dallas Housing AuthorityLeasing Professional II at Dallas Housing Authority
Celeste MaldonadoCeleste Maldonado
Substitute at ESSSubstitute at ESS
Kirstyn JohnsonKirstyn Johnson
Sales Associate at GenescoSales Associate at Genesco