Debra Burkhart
Fort Lauderdale,FL
Summary
Seasoned real estate professional with a proven track record at GrayRobinson, P.A., adept in legal and financial aspects of residential and commercial transactions. Skilled in notary public services and management, I excel in streamlining processes for efficiency and client satisfaction. Demonstrated expertise in policy development and public relations, significantly contributing to organizational growth.
Overview
40
40
years of professional experience
Work History
Residential and Commercial
GrayRobinson, P.A.
Fort Lauderdale, USA
01.2017 - Current
- Receiving contract, review contract
- Conflict checks and resolving conflicts
- Prepare of EMD and EMD letters
- Calendaring critical dates
- Ordering title search/examining title (property, real property taxes and name searches)
- Preparing Commitment of Title
- Processing the file - ordering all pertinent documents: mortgage payoffs, city/county lien reports, association estoppels, survey
- Clearing title commitment requirements
- Clearing permit, zoning, code violations issues
- Coordinating with lender, if applicable
- Preparing CD and ALTA Settlement Statements
- Preparing closing documents (seller and miscellaneous buyer documents)
- Balancing file with lender, if applicable
- Balancing the file, internal file
- Marking up the title commitment
- Coordinating closing and finalizing the closing
- Confirming wire instructions
- Obtaining funding authorization from lender, if applicable
- Initiating wires
- Issuing checks
- Disbursing the file
- Returning loan package to lender, if applicable
- E-recording documents (filing UCCs with the state if necessary)
- Issuing title insurance policy or policies
- Due Diligence requirements – commercial transactions
- Review letter of intent, prepare purchase sales agreement
- Order Phase I and Phase II environmental site assessment, if applicable
- Inspections
- Title Commitment 'letter of objections' and responses to 'letter of objections'
- Tenant estoppels/certificates, notice to tenants, assignment and assumptions of lease agreements
- Lien searches
- Survey
- UCC searches
- Prepare UCC-1 and UCC-3 (termination, amendment, continuation)
- Search zoning regulations and land use
- Review appraisals, if applicable
- Review Operating Agreements for LLCs
- Prepare Assignment of Contract, if applicable
- Preparing the seller documents and, if applicable to the file, preparing transfer of licenses, tenant estoppel/certificates, notice to tenants, assignment and assumptions of leases, memorandum of leases, subordination non-disturbance attornment agreement, LLC certification, corporate resolutions
- Order pre-closing title update
- Coordinating with the lenders, if applicable
- Balancing with lender
- Balancing internally
- Preparing Settlement Statement
- Coordinate closing
- Close transaction
- Disburse file
- Provide signed documentation to all pertinent parties
- Send signed loan package to lender, if applicable
- E-record documents
- Obtain title post-closing title update
- Prepare title policy or title policies
- Send policy or policies to pertinent parties
Residential and Commercial
Real Estate
Fort Lauderdale, USA
01.1985 - Current
- Work with various attorneys and title companies in Fort Lauderdale, Florida area; my duties consist of but are not limited to: updating/examining title (property, real property taxes and name searches) preparing Commitment of Title, processing the file - ordering all pertinent documents, mortgage payoffs, city/county lien letters, request UCC-3 to release UCC-1 security interest, survey, association payoffs, reviewing of the appraisal to obtain proper amount of hazard/flood insurance on subject property, property insurance (obtaining the loss payee provision), coordinating with the lender (making sure all conditions are met on the mortgage loan commitment to obtain the loan documents and mortgage figures for closing TRID), prepare CPL, Chain of Title letters, W-9, 1099S, report sale to IRS, prepare and request Notice of Termination, Sufficient Funds Affidavit, Contractor Final Payment Affidavit for contractors and subcontractors, coordinating with all pertinent individuals and vendors to obtain information necessary to prepare the Closing Disclosure (in accordance to TRID closing disclosures and rules) prepare the HUD Settlement Statement (I know the new 2015 TILA-RESPA Integrated Disclosure)), preparing Seller and Buyer closing documents, performing the closing, disbursing/balancing the file (paying all third party charges), sending documents to recording, preparing the loan package for lender, obtaining and recording all releases/satisfactions, finalizing any and all escrows (post closing), if applicable; recertifying title, issuing Owner’s Title Insurance Policy and Mortgagee Title Insurance Policy
Proprietor
Contract to Close
Fort Lauderdale, USA
01.1994 - 12.2016
- Business set up to help realtors handle their executed contracts through to closing
- Meeting all important deadlines; obtaining additional deposits, ordering inspections, coordinating with mortgage broker/lender (making sure the appraisal, survey, title and insurance is ordered on a timely basis), coordinating and scheduling the file for closing with all pertinent parties
Proprietor
Lowthorp Realty & Management f/k/a Native Realty & Management
Fort Lauderdale, USA
01.1998 - 12.2014
- Real estate business; I was the real estate broker of record - within the business we listed properties for sale, sold properties, rental properties, dealt with the commercial and residential owners and tenants, our company also manages income property for absentee owners on short term and long-term basis, listed and sold commercial warehouse properties
- Managed 3 various condominiums on a commercial basis (Five Coins, Parliament House, The Barclay) took care of all the property needs such as, but not limited to accounts receivables/accounts payable, assessments, all maintenance, groundskeeper, keeping all public areas clean, association interviews for new residents and/or tenants, etc
Proprietor - Mortgage Loan Originator
Suncoast Mortgage
Fort Lauderdale, USA
01.1998 - 12.2014
- Coordinated/obtained mortgages for borrowers in real estate transaction; worked with wholesale divisions of numerous lending institutions, hard money lenders, specialized in loans/funds available through our county for low income borrowers and first time home buyers
- AFTER THE REAL ESTATE MARKET CRASH: I diversified myself - I started doing loan modifications; assisting the homeowner with all necessary paperwork to obtain either a loan modification and/or forebearance agreement
- I also, worked with the loss mitigation departments for various lenders, providing said lenders with BPO’s (basic property opinion), performing inspections and preparing repair checklist for lenders, in order to market the foreclosed property and/or negotiate a short sale
- A list of some of the lenders I worked with are: (i.e
- Bank of America, Chase Financial, Wells Fargo, Washington Mutual, EverHome, Regions Bank, BankAtlantic, Citibank, Citimortgage, Fannie Mae and Freddie Mac affiliates, et al)
Education
Bachelor degree - Psychology
FIU
Miami, FloridaParalegal Degree -
Charron Williams College n/k/a Jones College
Miami, FloridaReal Estate Broker License -
Gold Coast School of Real Estate
Fort Lauderdale, FLMortgage Loan Originator -
Gold Coast School of Real Estate
Fort Lauderdale, FLCommercial Property Management License -
Gold Coast School of Real Estate
Fort Lauderdale, FLResidential Property Management License -
Gold Coast School of Real Estate
Fort Lauderdale, FLAbstract Certification -
Attorneys Title Insurance Fund
Fort Lauderdale, FLClosing Agent License -
Koogler Group
Fort Lauderdale, FLSkills
- Notary Public
- Finance
- Accounting
- Grant Proposal Development
- Personnel
- Human Resources
- Administration
- Management
- Nonprofit Sector Expertise
- Social Impact Contributions
- Policy Development
- Public Relations
- Communications
- Special Events
- Fundraising
- Outreach
- Advocacy
- Legal
Contractual Work
- Probate, Fort Lauderdale, FL, 01/01/85, Present, Preparing all the initial Petitions to open up the estate, Entering the Will (if applicable), Naming the Personal Representative(s), Publishing the estate, Accumulating/paying all outstanding bills/claims, Obtaining Federal Tax Identification Number, Preparing first and final accountings of the estate, Disbursing the estate to all beneficiaries, Filing all applicable motions with the court
- Family Law, Fort Lauderdale, FL, 01/01/85, Present, Preparation and filing of pertinent documentation, Arranging service through process servers, Scheduling hearings, Indexing files, Drafting correspondences
- Criminal Law, Fort Lauderdale, FL, 01/01/85, Present, Help client obtain bond (if applicable), Preparation and filing pertinent documents with the courts, Scheduling depositions of witnesses, Coordinating hearings, Drafting all correspondences
- Personal Injury, Fort Lauderdale, FL, 01/01/85, Present, Preparation and filing of pertinent documentation, Obtaining applicable police reports/evidence, Corresponding with insurance companies, Arranging service through process servers, Negotiating settlement with insurance companies
References
Available upon request
Professional Development
- Continuous Education courses in real estate, mortgage broker and paralegal
- Mortgage Rehab training
- Foreclosure seminars and development courses
- Numerous real estate and mortgage broker seminars
- Computer programming/webpage design courses
- Probate development courses
- 2010 HUD Disclosure Seminar
- Mortgage mediator seminars
- Family Law development courses
- Legal research courses
- Investigating/procuring evidence seminars
- MLS training
- BPO training
- Updated abstracting seminars
Computer Experience
Mac and PC, Various accounting programs, Various word processing programs, Lotus, Excel, Real estate abstracting/document software (i.e. LandTech, DoubleTime, E-Closing, Qualia, Blackacre, ATIDS), MLS (multiple listing service), CMA (current market analysis), PTI (property tax information), My Case, Webpage design, Legal research (such as WestLaw, FlaJur), Computer programming, Print shop, Sierra program, Mortgage loan programs (such as Calyx, Catalyst, Mortgagepro)
Timeline
Residential and Commercial
GrayRobinson, P.A.
01.2017 - Current
Proprietor
Lowthorp Realty & Management f/k/a Native Realty & Management
01.1998 - 12.2014
Proprietor - Mortgage Loan Originator
Suncoast Mortgage
01.1998 - 12.2014
Proprietor
Contract to Close
01.1994 - 12.2016
Residential and Commercial
Real Estate
01.1985 - Current
Bachelor degree - Psychology
FIU
Paralegal Degree -
Charron Williams College n/k/a Jones College
Real Estate Broker License -
Gold Coast School of Real Estate
Mortgage Loan Originator -
Gold Coast School of Real Estate
Commercial Property Management License -
Gold Coast School of Real Estate
Residential Property Management License -
Gold Coast School of Real Estate
Abstract Certification -
Attorneys Title Insurance Fund
Closing Agent License -
Koogler Group
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