JOY AMPER: Mortgage Funder/Closer
Land O Lakes,FL
Summary
Experienced mortgage professional with a strong work ethic and a decade of industry expertise. Possessing in-depth knowledge of the loan process, documents, and TRID guidelines. Proficient in closing and funding FHA, VA, and Conventional loans. Self-motivated and reliable Senior Funder/Closer with a proven track record of surpassing team goals and ensuring client satisfaction.
Overview
14
14
years of professional experience
Work History
Senior Funder/Closing Specialist
Rate Rabbit Home Loans
08.2019 - 01.2023
- Ensured UW conditions are cleared prior to closing and funding.
- Verified funding figures with closing agents in compliance with TRID guidelines and accurately reflect borrower's cash to close amount.
- Prepared closing documents in 46 states adhering to company guidelines.
- Requested average of 41 funding wires per month from 2 warehouse banks.
- Ensured timely disbursement of funds by diligently reviewing loan documents for accuracy and compliance with company and investor policies.
- Managed daily closing/funding report and warehouse pipeline reports.
- Registered funded loans in MERS
- Ensured timely delivery of funded files to Post Closing.
- Responsible in delivery of original Notes to warehouse banks.
- Assisted Post Closing Department in issuing Post CD to borrowers and clearing HMDA issues.
PTO Secretary
Muraoka Elementary
11.2017 - 06.2019
- Responsible in keeping record of all PTO meetings
- Assisted in organizing and preparing PTO events
Mortgage Closer
Suntrust Bank, Inc.
09.2010 - 02.2012
- Prepared closing documents for delivery to title companies and closing agents
- Reviewed HUDs to guarantee compliance to lender's instructions
- Requested wires or checks for timely funding of loans
- Responsible for clearing conditions prior to loan funding
- Ensured timely delivery of funded files to servicing department
Closing Specialist
Wells Fargo Home Mortgage
06.2010 - 09.2010
- Prepared and delivered closing documents of Conventional loans to closing agents and title companies
- Reviewed HUDs to ensure adherence to lender's instructions and RESPA guidelines
- Reviewed signed documents and cleared conditions prior to loan funding
- Requested wires and checks for loan funding
Funding Assistant/Doc Drawer
American Internet Mortgage Inc.
04.2009 - 10.2009
- Prepared closing documents for delivery to closing agents
- Coordinated closing details with borrowers and closing agents
- Reviewed HUD-1 to ensure settlement fees are in compliance with lender's instructions
- Managed wire pipeline for timely delivery of funds to closing agents
- Reviewed signed loan documents and resolved any issues before loan funding
- Ensured timely delivery of funded files to investors
Education
Bachelor of Science - Pharmacy
University of Santo Tomas
Manila, Philippines03.1994
Skills
- Multi-task oriented with strong attention to details
- Highly organized with excellent analytical and time management skills
- Effective communicator and team player
- Committed in meeting deadlines and company goals
- Knowledge in Mortgage Lending (Origination to Post Closing)
- Customer service-focused
- Familiarity with Encompass, Calyx Point, Microsoft Office
Timeline
Senior Funder/Closing Specialist
Rate Rabbit Home Loans
08.2019 - 01.2023
PTO Secretary
Muraoka Elementary
11.2017 - 06.2019
Mortgage Closer
Suntrust Bank, Inc.
09.2010 - 02.2012
Closing Specialist
Wells Fargo Home Mortgage
06.2010 - 09.2010
Funding Assistant/Doc Drawer
American Internet Mortgage Inc.
04.2009 - 10.2009
Bachelor of Science - Pharmacy
University of Santo Tomas
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