Judy Kempf
Mortgage Loan Closer and Senior Processor
IL
Summary
Mortgage Closer and Senior Processor. Knowledgeable in mortgage loan process and documentation requirements. Effective at resolving discrepancies and working with third-parties to clear issues and complete closings.
Overview
18
18
years of professional experience
4
4
Certification
Work History
Closer
Pinnacle Funding Corp./dba Pinnacle Home Loans
Novato, CA
06.2021 - 05.2022
- Prepared settlement statements, loan documents, and closing instructions.
- Verified closing financial disclosure amounts against settlement agent figures.
- Reviewed title reports, purchase contracts, insurance, and flood zone certifications.
- Reviewed and validated details of loan applications.
- Prepared closing disclosures for clients and title co.
Junior Underwriter
Pinnacle Home Loans
Novato, CA
03.2019 - 06.2021
- Researched, gathered, and reviewed loan documentation.
- Maintained strict confidentiality of personal information.
- Ordered appraisals, credit, flood certs, & other reports.
- Analyzed income tax returns, assets, and employment.
- Reviewed loan package for errors and non-compliance.
Sr. Loan Processor
Pinnacle Capital Mortgage LLC
Novato, CA
06.2015 - 03.2019
- Evaluated approvals against established standards.
- Reviewed financial statements.
- Handled conditions sent from underwriting.
- Set up and completed loan submission packages.
- Reviewed loan files for completeness, identified missing documentation and generated condition lists for client.
- Prepared documents for underwriting by verifying client income, credit reports and other information.
Education
Bachelor of Science -
Southern Illinois University
Carbondale, IL05.1983
Skills
- Lending Software Systems
- Loan Application Preparation
- Desktop Underwriter
- Credit Verification
- Financial Data Collection
- Closing Documentation
- Detail oriented and methodical
- Critical thinker
- Processes complex financial paperwork with efficiency
- Excellent written and verbal communication skills
- Works quickly and accurately
- Customer Communication
- Settlement Statements
Certification
- Certified Mortgage Planning Specialist (exp)
- California Department of Real Estate Salesperson License (exp)
- Hawaii Department of Real Estate Salesperson License (exp)
- California NMLS license (exp)
Additional Information
2004 - 2015
Loan Officer for Residential Pacific Mortgage in California , Real Estate Salesperson, for Hanalei North Shore Properties in Hawaii, and Loan Processor for DHI Mortgage and Mission Mortgage in Texas.
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Quote
“Happiness can be found even in the darkest of times, when one only remembers to turn on the light.”
J.K.Rowling
Timeline
Closer
Pinnacle Funding Corp./dba Pinnacle Home Loans
06.2021 - 05.2022
Junior Underwriter
Pinnacle Home Loans
03.2019 - 06.2021
Sr. Loan Processor
Pinnacle Capital Mortgage LLC
06.2015 - 03.2019
Bachelor of Science -
Southern Illinois University
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