Ronni Luna

• Studied and clarified buyer, seller and lender instructions to determine escrow requirements.
• Prepared estimated closing statements for buyer and seller.
• Followed industry standard escrow procedures and maintained awareness of regulations governing escrow process.
• Opened incoming refinance orders and set up escrow files within 2-3 hours of open order requests
• Requested payoff demands. requested tax and lien demands while analyzing the preliminary title reports.
• Obtained documents such as proof of insurance and HOA statements.
• Prepared and delivered projected HUD-1 settlement statements to lender upon request.
• Forwarded title clearing documentation to title officer for approval.
• Followed-up on status of releases, policies and return of recorded documents.

• Receive structured files from Loan Officers, responsible for generating or requesting initial disclosures from various lenders to be sent out to clients within compliance timelines. Order appraisals, insurance, escrow items, verification of employments. Collect borrower conditions and carry out file from time of set up, submission, approval and through out funding and closing stages of the entire refinance or purchase transactions. Work closely with over 10-15 lenders. Familiar with navigation various lender portals. Communicate closely with agents, escrow and all 3rd party vendors

Take file from origination. Request all services such as open escrow and/or title. Request restricted appraisal report or drive by appraisal. Call members. Send welcome email send and collect all initial disclosures and income documentation. Request 4506T transcripts. Submit files to Underwriting for initial and final decision. Gather all prior to doc (if any) conditions and take file to closing.

• Take files from origination stage and perform initial scrub, calculate income, review credit report, review assets run initial automated underwriting system and submit file for initial decision
• TRID knowledgeable with ability to Re-disclose LE once file is locked or any changes are made
• Prep file to request CD and loan documents to get loans funded and closed on time. Retain a pipeline of Conventional, FHA and VA loans. Knowledge of DPA loans and MCC program
• Work closely with escrow to coordinate all closings

• Knowledgeable with TRID and compliance and processing a pipeline of conventional, FHA and VA loans from origination to funding.
• Work closely with and communicate with loan officers, escrow, title, real estate agents, and borrowers; efficient and productive.
• Obtain required documentation to complete loan files.
• Maintain an open line of communication and correspondence with all parties involved and review all file documentation prior to underwriter submission.
• Calculate income and run DU/LP.
• Review, request and satisfy all loan approval conditions, including subordination of existing liens, clearance of judgments/liens on title and credit, etc.
• Performs duties specific to the position and any other functions required to maintain branch and customer service standards.

• Responsible for decisioning rate and term/cash out conforming 1C loans.
• Skilled in reviewing credit reports and bankstatements, income documentation thoroughly in order to conduct a loan decision 

Loan Document Specialist (Processor)

• Processed mortgage loans from start to finish for the retail refinance center.
• Work closely with borrowers, escrow officers and HMC’s gathering conditions to close loan transactions in a timely manner, ensuring excellent turn times, while still maintaining monthly site, individual goals,  and great customer service.
• Managed a pipeline of over 100 files at times.
• Lead a team of 15 for the HARP team while carrying a pipeline.
• Familiar with Freddie Mac and Fannie Mae guidelines.
• Worked on loan modifications for the HAMP team, working directly with borrowers.
• Reviewed paystubs and calculated income documentation.
• FHA training and various online training courses.