CHRISTINA ASTORGA
Summary
Highly motivated mortgage professional with over 20 years in the mortgage industry. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.
Overview
24
24
years of professional experience
Work History
Mortgage Underwriter
Carrington Mortgage
05.2019 - Current
- Underwrite Conventional, FHA and VA loans per policy and guidelines (conforming and nonconforming mortgages)
- Evaluate loan applications, determining creditworthiness, assessing risk and establishing loan conditions
- Analyze loan submittals for approval or denial based on established criteria and underwriting guidelines.
- Analyze borrower's credit profile, collateral and capacity to repay the proposed mortgage obligation
- Review appraisal, title and income documents to verify accuracy and completeness
- Calculate debt- to -income ratios
- Work with processing team and loan officers to communicate errors and obtain missing information for current applications.
Funding Manager/Team Lead
Carrington Mortgage
06.2016 - 05.2019
- Managed and supervised team of Retail Purchase Funders and Doc Drawers (FHA, VA, USDA, CONV)
- Continuous training for team members by relaying information on company procedures and current guidelines
- Coached team members in techniques necessary to complete job tasks.
- Managed schedules, accepted time off requests and absences
- Evaluated employee skills and knowledge regularly, training, and mentoring individuals.
- Established open and professional relationships with team members to set standards for open door policy
- Promoted high standards through personal example to help each member understand expected behaviors and standards.
- Assisted in recruitment to build team of top performers.
Sr. Funder
Carrington Mortgage
03.2014 - 06.2016
- Reviewed executed loan documents and monitored progress from closing to funding.
- Monthly pipeline consisted of up to 100(+) loans
- Purchase, Refinance and Streamlines
- FHA, USDA, VA, CONV
- Reviewed documents for accuracy and prepared final HUD/CD upon disbursement
Team Leader
Sun West Mortgage Company
01.2011 - 08.2013
- Generated reports detailing findings and recommendations.
- Direct assist to Funding Manager
- Wholesale, Retail and Warehouse
- FHA, VA, USDA, CONV
- 203K, 184, Purchase
- Monitored pipeline of Funders & Doc drawers to ensure timely closings
- Assisted Funders with questions pertaining to company policy and guidelines
Funder
PMAC Lending Services
10.2006 - 11.2010
- Responsible for own pipeline (30+ files/month)
- Developed and maintained relationships with customers, lenders and other third parties.
- Established plans and payoffs for customers' loans
- Evaluated loan application and documents to verify accuracy and completeness.
- Monitored pipelines to track and log status of loans.
Sr. Funder
Decision One Mortgage
02.2004 - 09.2006
- Responsible for own pipeline (up to 100 files per month)
- Assisted clients with ensuring timely closing
- Created loan documents to be sent to title and notary for signing
- Reviewed executed documents for accuracy
- Verified closing guidelines had been met prior to requesting wire
- Wholesale and Retail Division
Funder
Mark 1 Mortgage
06.2003 - 09.2003
- Draw loan docs
Real Estate Funder/Specialist
Christian Community Credit Union
10.2000 - 06.2003
- Funding/Closing of Conventional R/E Loans
Education
Other - Closing/Funder -
American School of Mortgage
Covina, CA05.2002
Other - Business Administration -
Computer Career College
El Paso, TX03.1996
High School - College Prep -
Northview High School
Covina, CA06.1991
Skills
- Conventional, FHA, VA & Fannie Mae Loans
- Conforming / Non-Conforming
- Property Evaluation
- Credit and income analysis
- Conventional & Government Mortgages
- DTI and LTV calculations
- Attention to Detail
- Automated Underwriting System (AUS)
- Decision-Making
- Multitasking
- Team Collaboration
References
- Available upon request
Timeline
Mortgage Underwriter
Carrington Mortgage
05.2019 - Current
Funding Manager/Team Lead
Carrington Mortgage
06.2016 - 05.2019
Sr. Funder
Carrington Mortgage
03.2014 - 06.2016
Team Leader
Sun West Mortgage Company
01.2011 - 08.2013
Funder
PMAC Lending Services
10.2006 - 11.2010
Sr. Funder
Decision One Mortgage
02.2004 - 09.2006
Funder
Mark 1 Mortgage
06.2003 - 09.2003
Real Estate Funder/Specialist
Christian Community Credit Union
10.2000 - 06.2003
Other - Closing/Funder -
American School of Mortgage
Other - Business Administration -
Computer Career College
High School - College Prep -
Northview High School
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