Esther Renaud

• Responsible for managing the entire Real Estate closing process.
• Ensure deadlines are met and transactions are smooth and closed per contract.
• Understand and review CO and AZ Real Estate Contracts.
• Review ALTA Title Commitments and Vesting Documents.
• Understand Policy Endorsements.
• Communicating with clients, Real Estate Agents, Lenders, Transaction Coordinators and internal Team Members
• Prepare HUD-1's, ALTA Settlement Statements, Closing Disclosures, CPL's, Input fees, Prorate Property Taxes and HOA Assessments, Calculate Payoff's.
• Balance Fees, CD's, HUD's with Lenders and finalize Closing Disclosures and Closing Statements.
• Review Team Member's HUD's for accuracy.
• Collaborate with Title Department to resolve title requirements and curative items.
• Order payoff statements, HOA Governing Documents, Demands and final water bills.
• Research Property Tax Information.
• Research Liens, Judgments, Lis Pendens', Foreclosures, and other clouds on Title.
• Clear Title Requirements.
• Prepare Closing Documents for Buyers and Sellers.
• Ensure files are disbursed accurately and in a timely manner.
• Follow-up on undisbursed funds and stale dated checks.
• Request Stop Payments.
• Key-in wires.
• Review and send documents for recording.
• Correct rejected recording documents.
• Review documents with and provide clear explanations to Signers.
• Communicate regularly and provide clear instructions to clients.

• Complete working knowledge of the process of Real Estate transactions from contract to close.
• Understand Real Estate contracts.
• Proficient in the Escrow processing of a Real Estate purchase transactions and Refinances (including Reverse Mortgages).
• Experienced in opening files in Resware, reviewing purchase contracts and fulfilling Lender Title requests.
• Clear all Title Commitment requirements.
• Request payoffs, HOA Status Letters, Final Water Bills. Prepare well permit transfer documents, request Tax Certificates.
• Prepare ALTA Closing Statements and Closing Disclosures.
• Maintain and provide excellent customer service to all clients, Sellers, Buyers, Agents, Lenders, Mortgage Brokers.
• Prorate Taxes and Calculate Payoffs.
• Balance CD's with Lenders.
• Prepare closing documents.
• Schedule Closings and present closing documents.
• Coordinate with Notaries.
• Furnish closing documents to out of state signers in a timely manner.
• Submit Funding documents to Lender for post-closing review and funding authorization.
• Clear loan conditions for funding authorization.
• Send executed loan documents Closing Instructions. Disburse funds via check and wires.
• Distribute executed closing documents to all parties. Process and submit recordable documents to the county via Simplifile.
• Provide a high level of professionalism and care to all clients.
• Process and handle confidential, private and personal information securely.
• Close Escrow files, notify all parties and request post-closing surveys and feedback.
  

• Prepare Refinance ALTA Settlement Statements for partner Lenders and Brokers in multiple States.
• Review Closing Instructions, Title Commitments and communicate with clients in a timely manner regarding vesting, loan conditions, and payoffs.
• Prioritize tasks to meet Service Level Agreements. Calculate escrows, pre-paid interest, recording fees, title fees, lien payoffs and proration of taxes.
• Process UCC's, Deeds and Subordinations on settlement statements.
• Balance CD's with Lenders.
• Schedule notary closings.
• Work closely with recorders office to resolve rejections of recordable documents.
• Understanding of RESPA, TILA, Dodd-Frank and CFPB rules.
• High level of customer service.

• Assisted Escrow Officers with all related Purchase and Sales escrow processing duties.
• Prepared files by determining requirements, cleared title, prepared and reviewed closing documents.
• Ordered title reports, examined Title commitments resolved title defects by satisfying title requirements.
• Work with title department to resolve title issues such as legal descriptions, easements, vesting, tax liens, judgments, and bankruptcies.
• Ordered payoff statements, tax certificates and final water/gas/propane readings.
• Deposited funds into customer accounts and maintained client records.
• Prepared transaction documents by acquiring and completed necessary forms such as UCC's, Homeowner Association documentation, Subordination Agreements, Trustee documents, and other necessary supporting documentation from Sellers and Buyers.
• Knowledge of Affidavit of Heirship.
• Scheduled closings with all parties and notaries when necessary.
• Closed transaction documents by assembling documents, checked documents for accuracy and completion and submitted documents for recording.
• Made necessary corrections to recording rejections.
• Sent out final security instruments and recorded mortgages/deeds to Lenders, Brokers, Sellers and Borrowers.

• Prepared Colorado Contracts and Addendums.
• Negotiated contract terms.
• Represented Clients in the purchase and sale of residential properties and land.
• Established client rapport and strong professional relationships.
• Communicated frequently with clients and maintained trust throughout the sales process.

Assistant to Property Manager and perform managerial duties. Interview residents to fill out Colorado Housing and Finance Authority (CHFA) compliance application and paperwork. Review application packets for program compliance and eligibility and process annual certifications.

Assisted Community Director

Managed 240-unit Affordable Housing apartment community

Verifying that residential applicants met the HUD, CHFA, LIHTC and various other government agencies affordable housing program guidelines for 24 Affordable Housing apartment communities

Low Income Housing Tax Credit (LIHTC) Assistant Manager for 216-unit community