Hailey Perine
Riverside,CA
Summary
Experienced Closing Team lead with 14 years of mortgage expertise. Up to date with the current policies and procedures to complete a Closing Disclosures, Draw Docs, and Fund loans. Well versed in closing the following bond programs: CalHFA, WSHFC, AK Housing, Chenoa, OR, AZ, GSFA, and NV Housing. Highly motivated and quick to adapt.
Overview
14
14
years of professional experience
Work History
Closing Team Lead
CrossCountry Mortgage
Cleveland, OH
07.2018 - Current
- Understand and follow all closing procedures to comply with all Federal and State requirements
- Check accuracy for all essential information provided at submission for closing
- Communicate with loan officer, processing, and underwriting staff
- Produce and organize all closing documents including conventional, FHA, VA, and USDA loans
- Review loan documents to ensure they meet all regulatory and compliance requirements
- Prepare Closing Disclosure and validate all fees are accurate on Final CD, balance wire with escrow/title, review executed loan documents to provide funding authorization
- Act as the point of contact from the time closing is requested through the time the loan is shipped to one of our approved agencies or purchased by the investor
- Complete a loan review on every loan to ensure it is compliant with TRID disclosure and re-disclosure requirements, and Fair Lending, Reg B and other Federal or State requirements before docs are sent out
- Help manage the closing team by answering all questions, reviewing bond, jumbo, trust, and LLC loans for accuracy
- Manage rush requests and distribute loans to the closers that have the capacity to fulfill turn times
- Respond promptly to general closing questions from branches, post-closing, settlement/escrow agents, etc.
Closer / Funder
Freedom Mortgage Corporation
San Dimas, CA
04.2016 - 07.2018
- Well-versed in FHA, VA, Conventional, NV Housing, AZ Left, Sapphire, GSFA, CalHFA, CHFA (Colorado Housing), Wet State (CO & TX) loan programs for CD's, Docs, and Funding
- Review files for processor and UW accuracy
- Balance settlement statements with closing disclosure for accurate figures
- Review demands and payoffs to ensure they are current and figures match system and settlement statement
- Before Initial CD is sent, make sure the file is meeting the minimum investment and are not over the max cash to close per UW condition and manual math
- Send out initial CD and make sure CD is returned signed or econsent in order to send out loan documents
- Before loan documents are sent, make sure they are sent out with correct dates per TRID guidelines
- Closely work with the LP and UW to make sure the files are ready for docs and all conditions have been met prior to funding request
- Review signed loan documents to ensure borrower signed and dated accurately
- Verify certified funds are from approved assets per UW condition
- Request funding conditions from escrow/title and review items once received
- Set up and request wires once all conditions are met
- Draw docs and fund with FHA, VA, and Conventional
- Peer to Peer review for housing and grant loans
- Created a CO Housing checklist for all other closers and funders to ensure the quality and all requirements are met.
Customer Care Representative
Freedom Mortgage Corporation
Ontario, CA
12.2015 - 04.2016
- Answered inbound and made outbound calls from the customer care department
- Responded to customer request within established timelines in order to maintain service level expectations and deliver quality service to customers
- Built customer relationships by listening and resolving complaints quickly, efficiently and accurately
- Experienced in working in a high-volume atmosphere with exceptional multi-tasking skills.
Post-Closing Specialist
First Mortgage Corporation
Ontario, CA
07.2010 - 12.2015
- Receive all closed home loans, separate every final document and organize HUD case binder with all necessary paperwork to submit for government insuring
- Communicate with escrow officers by telephone on a daily basis to request Final Settlement Statements and ensure correct closing and disbursement dates for all properties
- Retrieve any missing documentation needed for all closed loans from other departments, computer databases or Escrow Offices
- Critique FHA loan underwriting and transmittal summary verifying figures are correct and matching underwriting findings
- File insured loans and perform any additional office task as needed
- Data entry: Use of First Base, Fox, Point, Virpack, and Onbase (Mortgage loan programs)
- Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or government regulations
- Ability to write reports, business correspondence, and present information and respond to questions from groups of managers, clients, customers, and the general public.
Skills
- Microsoft Outlook
- Encompass
- Word
- Customer Service
- Team Oriented
- Multi-Tasking
- Coaching and Mentoring
- Team Management
- Employee Training
- Reliable and Responsible
- Excellent Communication
Timeline
Closing Team Lead
CrossCountry Mortgage
07.2018 - Current
Closer / Funder
Freedom Mortgage Corporation
04.2016 - 07.2018
Customer Care Representative
Freedom Mortgage Corporation
12.2015 - 04.2016
Post-Closing Specialist
First Mortgage Corporation
07.2010 - 12.2015
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