Karen Peoples
Frisco,TX
Summary
Searching for a Company I can explore my strong people skills, organizational abilities and offers a opportunity for both professional growth and advancement.
Excellent customer service skills Strong organizational and communication skills
Overview
38
38
years of professional experience
1
1
Certification
Work History
Mortgage Loan Officer
Capri Mortgage Services
07.2024 - Current
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Enhanced client retention by providing outstanding service throughout the mortgage process, from pre-approval to closing.
- Collaborated with underwriting and processing teams to resolve issues and expedite loan approvals.
Realtor
Vylla Home
12.2022 - Current
- Coordinated various aspects of real estate transactions such as inspections, appraisals, and financing arrangements, minimizing delays and challenges for clients.
- Built lasting relationships with clients through excellent communication, personalized service, and dedication to their needs.
- Developed strong knowledge of local market conditions, allowing for accurate pricing strategies and targeted marketing efforts.
- Enhanced client satisfaction with diligent follow-up after closing, ensuring a positive experience overall.
Realtor
FATHOM REALTY
01.2008 - 12.2022
- Provide guidance and assist sellers and buyers in marketing and purchasing property for the right price under the best terms
- Determine clients' needs and financials abilities to propose solutions that suit them
- Intermediate negotiation processes, consult clients on market conditions, prices, mortgages, legal requirements and related matters, ensuring a fair and honest dealing
- Perform comparative market analysis to estimate properties' value
- Display and market real property to possible buyers
- Prepare necessary paperwork (contracts, leases, deeds, closing statements etc)
- Maintain and update listings of available properties
- Cooperate with appraisers, escrow companies, lenders and home inspectors
- Develop networks and cooperate with attorneys, mortgage lenders and contractors
- Promote sales through advertisements, open houses and listing services
- Remain knowledgeable about real estate markets and best practices
MORTGAGE LOAN ORIGINATOR
GENEVA FINANCIA,LLC
11.2021 - 04.2022
- Determines whether clients are eligible for mortgage loans
- Reviews clients' financial information to decide the amount they can borrow
- Files mortgage loan applications and keeps detailed client records
- Manages the contract and closing process
- Builds strong working relations with clients
- Advises clients on mortgage loan options and refinancing
- Follows all national, state, and local financial rules and regulations
- Maintains client confidentiality
- Uses common mortgage loan software
Mortgage Loan Originator
NATIONS RELIABLE LENDING
05.2021 - 11.2021
- Company Overview: TX
- Determines whether clients are eligible for mortgage loans
- Reviews clients' financial information to decide the amount they can borrow
- Files mortgage loan applications and keeps detailed client records
- Manages the contract and closing process
- Builds strong working relations with clients
- Advises clients on mortgage loan options and refinancing
- Follows all national, state, and local financial rules and regulations
- Maintains client confidentiality
- Uses common mortgage loan software
- TX
Owner/Director
PEOPLES PALACE LEARNING ACADEMY
08.2010 - 07.2015
- Responsible for the care of over 65 children and 10 staff members and facilitator of the daily management and operation of the school
- Responsible for managing staff to creating educational programs and balancing budgets and payroll
- Ensuring the safety of children in care and complying with licensing regulations, communicating with parents and coordinating activities and events
Loss Mitigation Specialist III
CHASE HOME FINANCE
05.2009 - 08.2010
- Responsible for: Pre-qualify and place customers on work-out plans such as reinstatements, payoffs, modifications, payment plans, and short sales
- Answer inbound calls and make outbound calls on seriously delinquent accounts in foreclosure or loss mitigation to make contact and determine necessary actions
- Review high risk, severely delinquent portfolios and high visibility accounts for opportunities
- Information gathering, documentation analysis, and file preparation/maintenance
- Responsible for problem-resolution on accounts in foreclosure and loss mitigation with regard to customer issues in negotiating, collecting, and posting of funds
- Customer service issues
SMALL BUSINESS ADMINISTRATION
11.2008 - 01.2009
- Disaster Home Claims -Reviewed loan application, income documentation, and credit reports to quality applicants for a government loan
- Worked out a repayment analysis
Home Mortgage Consultant
WELLS FARGO HOME MORTGAGE
06.2008 - 10.2008
- Company Overview: Bedford, Texas
- Responsible for selling WFHM mortgage products with the focus on prime lending and purchase business
- Established relationships with local referral partners (realtors, builders, financial advisors), excellent customer service skills with the availability to assist customers in the evenings and weekends
- Ability to explain programs, regarding loan terms, features, policies and benefits to customers
- Products were FHA, Conventional lending, Renovations loans, Down Payment Assistance and Bond Programs Lending
- Mortgage Consultants processed their own loans and turned in completed package to underwriting
- Bedford, Texas
Team Lead Account Manager
OPTION ONE MORTGAGE CORPORATION
07.2004 - 10.2007
- Company Overview: Frisco, Texas
- Supervises daily activity of the Account Managers, adjusting duties and responsibilities, as needed
- Monitors the branch's pipeline, ensuring internal compliance policies are enforced, and customer service standards are met
- Manages the training and development of the Account Managers, including advanced training, pipeline maintenance, regulatory and compliance policies, sales and negotiating skills, pricing exceptions
- Recommends staffing changes, or territory realignment, to maintain branch service standards
- Promotes strong relations with brokers, including visits to broker offices
- Participates in the counseling of Branch Associates with the Manager regarding performance issues, as needed
- Organizes and facilitates department meetings
- Negotiates pricing and program changes with mortgage broker
- Handles pricing exceptions outside the authority of other Associates
- Interfaces with all branches and corporate department to resolve customer service issues
- Interviews candidates for Account Managers positions
- Reviews HMDA data for accuracy on loans denied, approved but not accepted, withdrawn, or closed for incompleteness
- Carries out management responsibilities in accordance with OOMC policies and applicable laws for assigned Associates, including training, planning, assigning and directing work; monitoring performance
- Frisco, Texas
Account Manager III
OPTION ONE MORTGAGE CORPORATION
03.2002 - 07.2007
- Company Overview: Plano, Texas
- Responsible for the processing of loan files, from submission through disposition
- Acts as a Liaison between brokers, closing agents, and branch associates, ensuring quality service and adherence is underwriting
- Maintains positive relationships with brokers, closing agents, account executives, and fellow associates
- Contacts brokers to review loan package, program requested, rates and fees
- Provides daily status to brokers and account executives on loans in process
- Responds to all inquiries on loan conditions and/or documentation requested for approval or funding
- Negotiates and problem solves pricing and program changes with mortgage broker
- Empowered to rework deals within our guidelines that make sense for the customer and for Option One
- Recommends appropriate underwriting exceptions to satisfy broker's needs
- Monitors loans in process and follow-up on outstanding conditions
- Reviews and update Account Manager Log daily
- Responsible for accurately reviewing pipeline to assess, strategize and determine what loans and when loans will fund
- Determine correct program for best risk grade and interest rate for borrower
- Assists with training of other Associates
- Works closely with Brokers, Closing Agents, Account Executives, Underwriting Team Lead to answer underwriting questions for specific loans, to discuss specific conditions or documentation requested, and resolve problems
- Reviews HMDA data for accuracy on loans denied, approved but not accepted, withdrawn, or closed for incompleteness
- Plano, Texas
Loan Closer/Funder/Post Closer
OPTION ONE MORTGAGE
07.1998 - 03.2002
- Company Overview: Addison, Texas
- Responsible for the timely and accurate preparation of all loan documents, forwarding loan documents to title companies or other closing agent
- Verification of the applicant's income/employment
- Responsible for ensuring the correctness of all final loan documents
- Satisfaction of funding conditions and final accuracy of all funds
- Ensuring the accuracy and completeness of all post closing documentation
- Addison, Texas
Defect and Assignment Specialist
EMC MORTGAGE
06.1994 - 01.1998
- Company Overview: Irving, TX
- Release of prior liens and missing intervening assignments
- Reinstatement and Forbearance Specialist: Calculated Reinstatement figures for title companies and attorneys
- Set up forbearance plans for homeowners to bring loan current
- REO Department
- Funding and Accounting Specialist: Handled all incoming wires and checks for final sale proceeds, deposits, batch out, and approval to pay taxes, paid incoming bills from vendors
- Irving, TX
Document Processor
LOMAS MORTGAGE USA
11.1986 - 06.1994
- Knowledge of all 50 state requirements and release liens on Pay In Full Loans
- Worked with all out of state investors for execution of release of liens
- Customer Service Specialist: Contacted attorneys, title companies and homeowners in meeting various request
- Ordered pool documents from custodians
Education
High School -
ALDINE HIGH SCHOOL
Kaplan College -
KAPLAN COLLEGE
Skills
- Goal-Oriented
- Client Account Management
- Negotiation Tactics
- Document Review
- Customer service-focused
- Attention to Detail
- Decision-Making
- Client Interview
- Application verification
Certification
- Realtor
- Mortgage Loan Originator-NMLS # 1978847-Licensed States: TX,CA,FL,GA
- Insurance Adjuster
- Texas Notary-Certified Signing Agent
References
References available upon request
Timeline
Mortgage Loan Officer
Capri Mortgage Services
07.2024 - Current
Realtor
Vylla Home
12.2022 - Current
MORTGAGE LOAN ORIGINATOR
GENEVA FINANCIA,LLC
11.2021 - 04.2022
Mortgage Loan Originator
NATIONS RELIABLE LENDING
05.2021 - 11.2021
Owner/Director
PEOPLES PALACE LEARNING ACADEMY
08.2010 - 07.2015
Loss Mitigation Specialist III
CHASE HOME FINANCE
05.2009 - 08.2010
SMALL BUSINESS ADMINISTRATION
11.2008 - 01.2009
Home Mortgage Consultant
WELLS FARGO HOME MORTGAGE
06.2008 - 10.2008
Realtor
FATHOM REALTY
01.2008 - 12.2022
Team Lead Account Manager
OPTION ONE MORTGAGE CORPORATION
07.2004 - 10.2007
Account Manager III
OPTION ONE MORTGAGE CORPORATION
03.2002 - 07.2007
Loan Closer/Funder/Post Closer
OPTION ONE MORTGAGE
07.1998 - 03.2002
Defect and Assignment Specialist
EMC MORTGAGE
06.1994 - 01.1998
Document Processor
LOMAS MORTGAGE USA
11.1986 - 06.1994
Kaplan College -
KAPLAN COLLEGE
High School -
ALDINE HIGH SCHOOL
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