ROSITA MCGILVRA
Houston,TX
Summary
Detail oriented mortgage professional with 15 years’ solid experience in the originating, processing, closing, funding and post-closing functions of the mortgage process. Qualifications promote corporate excellence while ensuring customer service objectives are met. Demonstrated ability to maintain good relationships with clients, builders, real estate agents and seniors to ensure timely processing and submission of applications.
Overview
16
16
years of professional experience
Work History
Loan Officer
MTH Mortgage
Houston, TX
06.2023 - Current
- Evaluated customer financial profiles to determine loan eligibility and product suitability.
- Collaborated with clients to navigate mortgage application processes and provide tailored solutions.
- Analyzed market trends to advise clients on competitive loan options and interest rates.
- Maintained compliance with regulations by ensuring accurate documentation throughout the loan process.
Loan Officer
Movement Mortgage
12.2021 - 05.2023
Loan Officer
Benchmark Mortgage
06.2012 - 12.2021
Loan Processor
Homeway Mortgage
06.2010 - 06.2012
Education
Lonestar College
Houston, TX01-2009
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Fashion Institute of Design
Los Angeles, CA01-2007
Skills
- Mortgage Types: FHA, VA, USDA, CONVENTIONAL, JUMBO, PRIVATE LENDING
- General Application Proficiencies: Microsoft Outlook, Encompass, Calyx Point, FNMA DO/DU, FHLMC LP, Microsoft Word, Microsoft Excel, Microsoft PowerPoint, PCL
- Proprietary Applications: Flagstar LoanTrac; FHA Connection; Optimal Blue; Loan Sifter; Jet Docs, Blend
- Skilled in receiving, analyzing and evaluating incoming documents to ascertain loan eligibility
- Adept at verifying credit reports, income and assets
- Well versed in filing and submitting loan through automated underwriting programs upon validation
- Substantial knowledge of real estate terminology and departmental procedures, loan related documentation requirements and relevant state issued regulations
Accomplishments
- LOAN ORIGINATING
- Take initial complete application
- Provide excellent customer service and full understanding
- Consistently stay in contact with all parties involved on the contract
- Provide updates, fee worksheets, etc
- Lock in interest rate
- Customer service
- Create marketing ads, host events
- LOAN PROCESSING
- Receive initial application from Loan Officer and review file for completeness
- Verify standard loan fees are properly disclosed
- Issue GFE; TIL and all required compliance & investor specific disclosures within the required 3 day disclosure period
- Order credit report
- Submit loan to AUS system
- Request documentation from Borrower necessary to satisfy AUS findings and any investor specific requirements for applicable loan program
- Submit loan to Underwriting, which may be to the onsite underwriter or the investor’s underwriting department
- Obtain conditions necessary to clear loan through Underwriting. This includes obtaining documentation from the Borrower; ordering the appraisal; ordering the title work, etc.
- Resubmit conditions to Underwriter for clear to close
- Schedule closing
- CLOSING
- Schedule closing with title company
- Complete Jet Docs and submit to closing attorneys
- Review and approve HUD-1
- Order wire from closing attorneys identifying applicable warehouse line
- Obtain closing package from closing attorneys
- Complete HMDA information in LOS
- Update LOS to reflect loan in closed status
- FUNDING
- Verify wire is received by title
- Coordinate with closing attorneys funding approval
- Confirm funding with title company
- Update LOS to reflect loan in funded status
Timeline
Loan Officer
MTH Mortgage
06.2023 - Current
Loan Officer
Movement Mortgage
12.2021 - 05.2023
Loan Officer
Benchmark Mortgage
06.2012 - 12.2021
Loan Processor
Homeway Mortgage
06.2010 - 06.2012
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Fashion Institute of Design
Lonestar College