Julie A. Rincon
Hazelwood,MO
Summary
Mortgage underwriter known for evaluating credit, income, assets, liabilities, and collateral against lending guidelines. Brings deep experience with FHA, VA, USDA, and affordable housing programs, plus close coordination with lending teams to address file issues and support compliant loan decisions.
Overview
37
37
years of professional experience
Work History
Mortgage Underwriter
SUCCESS LENDING
SCHAUMBURG, IL
06.2026 - Current
- Underwrote conventional, FHA, VA, and USDA loans, ensuring compliance with lending guidelines.
- Underwrite VA appraisals to issue the Notice of Value under the LAPP program.
- Underwrote bond loans, including OHFA and IHDA, facilitating access to affordable housing solutions.
- Collaborated with loan officers and processors to resolve underwriting issues, enhancing workflow efficiency.
Mortgage Underwriter
USA MORTGAGE (DAS ACQUISITION LLC)
ST. LOUIS, MO
04.2013 - 06.2026
- Underwrote Conventional, FHA, VA and USDA loans.
- Underwrote VA appraisals to issue a Notice of Value under the LAPP program, ensuring compliance with program standards.
- Underwrote bond loans including MHDC, OHFA
- Collaborated with loan officers and processors to resolve underwriting inquiries, facilitating smoother loan processing.
- Reviewed post-closing conditions from investors to address and resolve issues, ensuring successful loan purchases.
Mortgage Underwriter
AMERICAN EQUITY MORTGAGE
ST. LOUIS, MO
01.2009 - 01.2013
- Underwrote conventional, FHA, and VA loans, ensuring compliance with lending guidelines.
- Evaluated VA appraisals to issue a Notice of Value under the LAPP program, facilitating timely loan processing.
- Collaborated with loan officers and processors to resolve underwriting inquiries, enhancing workflow efficiency.
Mortgage Underwriter
TAYLOR, BEAN & WHITAKER MORTGAGE COPR.
ST. LOUIS, MO
01.2008 - 01.2009
- Underwrote conventional, FHA, and VA loans to ensure compliance with lending guidelines.
- Evaluated VA appraisals to issue a Notice of Value under the LAPP program, facilitating timely loan processing.
- Collaborated with brokers to address and resolve underwriting inquiries, enhancing communication and efficiency.
Mortgage Underwriter
AMERICAN EQUITY MORTGAGE
ST. LOUIS, MO
01.2007 - 01.2008
- Underwrote FHA and Conventional loans to FHA and investor guidelines.
- Reviewed loan-to-value ratios, credit reports, applications, and supporting income and asset documentation to confirm alignment with secondary market sale requirements.
- Examined loan documentation for accuracy and completeness, ensuring compliance with underwriting standards.
Mortgage Underwriter
FIRST MAGNUS FINANCIAL
ST. LOUIS, MO
01.2006 - 01.2007
- Underwrote Conventional, FHA, VA, and First Magnus Niche loans, ensuring compliance with all guidelines.
- Collaborated with brokers to resolve underwriting issues, providing clear guidance to enhance the loan approval process.
- Issued Notice of Value for VA appraisals under the LAPP program, facilitating timely processing.
Mortgage Underwriter
NETBANK
ST. LOUIS, MO
01.2004 - 01.2006
- Underwrote conventional, FHA, and VA loans, along with non-conforming ALT-A, seconds, and HELOCs, ensuring compliance with lending guidelines.
- Underwrote VA appraisals, issuing Notice of Value under LAPP program to facilitate timely loan processing.
- Collaborated with brokers to resolve underwriting inquiries, enhancing communication and expediting decision-making.
Mortgage Underwriter
WELLS FARGO HOME MORTGAGE
CLAYTON, MO
01.2003 - 01.2004
- Underwrote Conventional, FHA, VA loans, and special programs including Emerging Markets National Program, ensuring compliance and risk assessment.
- Evaluated borrower credit, income, assets, and liabilities for underwriting decisions
- Interpreted FHA, VA, USDA, and conventional lending requirements
- Reviewed SUCCESS LENDING mortgage files for compliance with investor guidelines
- Collaborated with brokers to resolve underwriting issues, enhancing communication and process efficiency.
Mortgage Underwriter
GERSHMAN INVESTMENT CORP.
CLAYTON, MO
01.1993 - 01.2003
- Cultivated organizational skills to manage high-pressure situations and meet deadlines while ensuring accuracy.
- Review credit, assets and income to determine if borrower has ability and willingness to repay loan.
- Effectively underwrote special loan programs including MHDC, CDA and CHIPS.
- Reviewed appraisals to ensure accurate property assessments.
- Trained new employees on underwriting processes to enhance team proficiency and consistency.
Loan Insurer
GERSHMAN INVESTMENT CORP.
CLAYTON, MO
01.1990 - 01.1993
- Reviewed FHA loan files to ensure compliance before submitting the Mortgage Insurance Certificate.
- Reviewed and submitted MHDC loan documents for timely approval and funding.
- Executed daily tasks with precision and attention to detail.
- Contributed innovative ideas and solutions to enhance team performance and outcomes.
- Worked successfully with a diverse group of coworkers to accomplish goals and address issues related to our products and services.
Education
Bachelor of Science - Business Administration-Management Information Systems
Southern Illinois University-Edwardsville
Illinois08-1990
Skills
- Loan underwriting
- Regulatory compliance
- FHA and VA guidelines
- Income analysis
- Collateral evaluation
- Income verification
HIGHLIGHTS
- Direct Endorsement Certification to underwrite FHA loans.
- LAPP Certification and ability to underwrite VA appraisals and loans.
- Knowledge of the Desktop Underwriting and the Loan Prospector program used for Conventional, FHA and VA loans.
Timeline
Mortgage Underwriter
SUCCESS LENDING
06.2026 - Current
Mortgage Underwriter
USA MORTGAGE (DAS ACQUISITION LLC)
04.2013 - 06.2026
Mortgage Underwriter
AMERICAN EQUITY MORTGAGE
01.2009 - 01.2013
Mortgage Underwriter
TAYLOR, BEAN & WHITAKER MORTGAGE COPR.
01.2008 - 01.2009
Mortgage Underwriter
AMERICAN EQUITY MORTGAGE
01.2007 - 01.2008
Mortgage Underwriter
FIRST MAGNUS FINANCIAL
01.2006 - 01.2007
Mortgage Underwriter
NETBANK
01.2004 - 01.2006
Mortgage Underwriter
WELLS FARGO HOME MORTGAGE
01.2003 - 01.2004
Mortgage Underwriter
GERSHMAN INVESTMENT CORP.
01.1993 - 01.2003
Loan Insurer
GERSHMAN INVESTMENT CORP.
01.1990 - 01.1993
Bachelor of Science - Business Administration-Management Information Systems
Southern Illinois University-Edwardsville