Margarita Rodriguez
Boca Raton,FL
Summary
Highly motivated top performance certified debt specialist with 7 plus years of mortgage professional experience seeking to advance my career in sales, closing and negotiations.
Overview
6
6
years of professional experience
Work History
Certified Debt Specialist
National Debt Relief
07.2023 - Current
- Take inbound calls from clients looking for consolidation loan and debt settlement for their unsecured debts
- Processed applications by reviewing customers credit report, budget analysis and explained the debt relief program
- Submit pre-approved files to underwrite
- Completed walkthrough once client was approved
- Adhere to company compliance and guidelines for every call without missing program criteria
- Enrolled over 1.5 million dollars in debt each month consecutively
- Persistent outreach to customers from salesforce
- Gathered necessary documentation from customers via email
- Processed consolidation loan for those approved through reach financial
- Helped other team members as co-captain
Senior Mortgage Processor
Crosscountry Mortgage Inc
08.2019 - 04.2025
- Obtain final loan approvals within 21-30 days of application date
- Process FHA, VA, Conv, Jumbo, and USDA loans for refinance and purchase
- Submit file for conditional/final approval
- Review sale purchase contract, request gift letters along with bank statement and ensure escrow deposits are accounted if applicable
- Review credit reports, fraud report and AUS to request conditions
- Ensure 1003 is complete, disclosures are signed and review accuracy of VOD, VOE, VOL, VOM and VOR
- Review loan limits, title report, payoff statement, settlement estimates and closing costs and wiring instructions are correct
- Communicate with other professionals, including attorneys, insurance companies, title companies, loan officers, loan opener, managers, Realtors, and underwriters
- Trigger closing to submit loan estimates, closing disclosures and COC if necessary
- Schedule closings with borrowers and confirm docs are out and loan has funded
- Ability to multitask and maintain a pipeline of 60-120 loans
- Review each file within 24-48 of assignment (SLS)
- Review closing disclosures with all customers prior to closing
- Fulfilled and cleared all conditions prior to submitting files for final CTC
- Request to update HOI and condo documents
- Review appraisal reports
Education
Bachelor of Science - Political Science
Florida International University
Miami, FL04-2017
Timeline
Certified Debt Specialist
National Debt Relief
07.2023 - Current
Senior Mortgage Processor
Crosscountry Mortgage Inc
08.2019 - 04.2025
Bachelor of Science - Political Science
Florida International University
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