Jennifer Dyer

• Coordinated and managed the closing process for residential mortgage loans, ensuring all required documentation and compliance requirements were met.
• Reviewed loan files for accuracy and completeness, ensuring all terms and conditions were properly documented and in compliance with federal, state, and company regulations.
• Collaborated with loan officers, underwriters, and title companies to resolve any issues and facilitate smooth closings.
• Prepared closing documents, including the Closing Disclosure (CD), promissory notes, and other necessary agreements, ensuring they adhered to legal and regulatory requirements.
• Managed the funding process, ensuring timely disbursement of funds to borrowers and sellers, and maintained accurate records of each transaction.
• Communicated with borrowers, real estate agents, and attorneys to schedule closings and provide timely updates on the status of loan files.
• Verified that all required conditions were met before closing, including insurance, appraisal, and title clearance.
• Monitored and resolved post-closing issues, including ensuring timely recording of deeds and other documents.
• Maintained strong attention to detail and accuracy in the review of all documents and the completion of transactions.
• Assisted in the preparation and submission of regulatory and compliance reports as required by law and internal guidelines.

• Responsible for preparation of mortgage loan closing packages and sending to title along with Final CD once loan is approved by underwriting.

• Review of title commitments, property survey, purchase contracts, tax certificates, insurance, etc.

• Input of mortgage loan data into the document preparation system in order to produce the necessary documents for the closing package.

• Responsible for preparation and balancing the Closing Disclosure and disclosing the Final CD to the borrower within 3 days before the projected closing date.

• Responsible for ordering wires as well as reviewing the fully executed closing package and authorizing funding.

• Work with Post-Closing department to obtain any post-closing issues that may arise after closing.

• Closing experience with FHA, VA, Conventional, USDA, TX Bond loan programs and residential constructions loans.

• Preparation of legal closing documents for residential loans for various clients (Portfolio and Secondary Market).

• Preparation of legal closing documents for Interim Constructions, Lot Purchases and Commercial transactions for various clients.

• Review of Loan Estimates and preparation of Closing Disclosures prior to closing.

• Review of executed documents and approval of transaction for funding to the Title Company.

• Work with Lender to clear any post-closing conditions that Investors may have in order for loan to be purchased.

• Preparation of Modifications and Extensions for Construction to Perm loans.

• Work closely with Attorneys for preparation of specialty documents related to portfolio loans.

• Review loan documents and underwriting instructions for VA, FHA and Conventional purchase and refinance loans.

• Prepare closing instructions and packages for Legacy Mortgage to send to various Title Companies.

• Fund loan once Legacy Mortgage gives approval.

• Pre-close and prepare closing instructions for selected title companies. Prepare documents and instructions for VA, FHA, Conventional, Texas Refi's & Texas Cash Out
• Review & Approve HUDs for all loan types
• Issued funds via wire or cashier's check to the title company after HUD approval.
• Reviewed funding documents for all loan types to ensure that all dates and signatures are correct to issue funding authorization.
• 2nd level reviewer for Texas Cash Out HUDs and Funding docs for other team members to verify we are within the Texas Cash Out guidelines.
• Review and approve flood policies, making sure all information is correct and limits are within guidelines, requests revisions if necessary.
• Works closely with the Underwriter, Processor, Loan Officer and Escrow Officer to make sure loan is ready to be closed and obtain any missing items and/or corrections needed.

• Reviewed loan applications from new customers and entered all information into system. Determined if additional conditions was required prior to sending to underwriter.

• Reviewed applicant's income, credit report and verification of employment.

• Sent processor conditions needed from applicant before loan could be reviewed by the underwriter.

• Responsible for auditing loan documents to ensure accuracy and compliance with association guidelines and governmental regulations.
• Assist team members in processing workload as necessary.
• Collaborated with both internal and external customers to resolve complex issues and/or obtain missing documentation.
• Analyze financial data on final closing documents to ensure accuracy.
• Maintain current policy and procedures, bulletins, state specific guidelines and lending regulations for all states where World Savings/Wachovia originates loans.