Jose Novoa
Long Beach,CA
Summary
Accomplished mortgage funding and real estate transactions professional with a proven track record. Expertise in closing procedures and mortgage regulations, showcasing strong communication skills. Achieved significant improvements in loan processing efficiency and client satisfaction through innovative problem-solving. Proficient in escrow management and real estate marketing, ensuring seamless transaction experiences.
Overview
21
21
years of professional experience
1
1
Certification
Work History
Mortgage Funder/Mortgage Closer
Neighborhood Housing Services of LA County
Los Angeles, CA
06.2024 - Current
- Handled pipeline of active deals in closing stage.
- Ensured compliance with company policies, procedures, investor guidelines, and applicable regulations.
- Reviewed loan documents for accuracy and completeness before the creation of Closing Disclosures.
- Generated accurate Closing Disclosures according to customer specifications within established deadlines.
- Resolved discrepancies between the lender's estimate and actual closing cost figures.
- Worked with third-party vendors to address and clear loan closing requirements.
- Processed incoming and outgoing wire transfers, ACH payments, and checks.
- Worked closely with other departments to resolve any outstanding issues prior to closing.
- Prepared closing documents, including title policies, deeds, and other related items.
- Prepared and delivered loan documents to title and escrow teams.
- Coordinated with lenders, escrow agents, buyers, and sellers for a successful closing transaction.
- Maintained accurate records of closed loans in accordance with company policy.
- Updated and maintained databases with current information.
Sr. Mortgage Loan Processor/Funder/Closer
Titanium Mortgage
Mission Viejo, CA
06.2012 - 05.2024
- Managed pipeline of loan applications to ensure efficient processing.
- Processed various types of mortgage loans including FHA, VA, conventional and jumbo products.
- Communicated with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Reviewed HUD-1 settlement statements prior to closings.
- Prepared Closing Disclosures in accordance with applicable laws and regulations.
- Performed quality control checks on processed loans to ensure accuracy and completeness.
- Managed conditions sent from underwriting departments.
- Inspected loan documentation for mistakes and corrected discrepancies.
- Evaluated financial statements and contacted institutions and customers to clarify details.
- Utilized loan processing software for data entry and to streamline workflow.
- Ordered appraisals and title services on behalf of borrowers when necessary.
- Confirmed accuracy of closing documents prior to dispersing funds.
Real Estate Agent
Century21 Action!
Long Beach, CA
08.2003 - 06.2012
- Provided client guidance regarding market conditions, mortgage options, and legal requirements.
- Managed sales pipeline by actively following up with prospects and hot leads.
- Maintained updated knowledge of local real estate markets.
- Promoted property sales through advertisements, open houses and participation in multiple listing services.
- Explained financial requirements and analytical data to potential buyers and sellers.
- Prepared and delivered sales presentations.
- Negotiated purchase agreements and contracts with buyers and sellers.
- Provided guidance to clients throughout the entire buying or selling process.
- Performed administrative duties such as preparing paperwork for listing presentations, tracking sales data and updating internal databases.
- Collaborated with escrow companies, lenders and home inspectors to fulfill terms and conditions of purchase agreements.
- Exceeded customer satisfaction by finding creative solutions to problems.
- Managed real estate transactions from initiation to closing.
Education
High School Diploma -
San Pedro High School
San Pedro, CASkills
- Mortgage regulations proficiency
- Strong communication skills
- Escrow management
- Loan origination systems
- Closing procedures mastery
- Problem-solving capacity
- Closing coordination
- Loan management
- Goal oriented
- Document analysis
- Real estate marketing
- Loan processing expertise
- Title review proficiency
Certification
- Real Estate Salesperson License
Languages
English
Native/ Bilingual
Spanish
Native/ Bilingual
Timeline
Mortgage Funder/Mortgage Closer
Neighborhood Housing Services of LA County
06.2024 - Current
Sr. Mortgage Loan Processor/Funder/Closer
Titanium Mortgage
06.2012 - 05.2024
Real Estate Agent
Century21 Action!
08.2003 - 06.2012
- Real Estate Salesperson License
High School Diploma -
San Pedro High School
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