Tara Perreira
Summary
Honest, reliable mortgage professional with loan processing experience and a comprehensive knowledge of conventional and government loan programs. Core strengths include self-starting, detail-oriented, highly organized, multi-tasking and diligent in all aspects of the mortgage process, all with accurate and high level of integrity.
Overview
6
6
years of professional experience
Work History
Retail Remote Loan Processor
Movement Mortgage
05.2021 - 06.2022
- Processed FNMA, FHLMC, FHA, VA, and Jumbo loans.
- Accurately calculated income for all types of borrowers
- Communicated clearly and effectively with customers, loan agents and other third parties, involved in the mortgage loan transaction.
- Requested, reviewed, and verified all loan documents such as income, assets, credit, appraisal, and preliminary title report, to ensure complete and accurate information is in the file before it is sent to underwriting.
- Obtained verification of deposits, verification of employments and credit reports
- Prioritized and monitored daily workflow to ensure all loans are being worked on in accordance with company's timeline expectations.
- Followed up and communicated with both customers and loan agents to obtain missing or updated documentation to meet closing expectations.
- Reviewed and verified tax returns, business returns, rental income, self-employed borrower income, and ensuring the information is complete, accurate and complies with company policies as well as meets underwriter's requirements.
Whole Loan Processor
Vintage Home Loans, Inc.
03.2017 - 05.2021
- Provided support to 6 loan agents
- Processed all types of loan files within pipeline at different stages of the loan process
- Ordered, collected, verified and analyzed documentations required for submitting files to underwriting
- Ordered and followed up with third party vendors
- Calculated income, able to read tax returns, and other income documentation
- Prioritized daily work to meet deadlines and adjust to last minute changes
- Ordered verifications and validated documentation and information
- Maintained clear and open communication with borrowers, loan agents, underwriters, escrow, etc., throughout the loan process
- Prepared and submitted complete loan files to underwriting for approval
- Ensured compliance with all federal and state regulations governing mortgage lending
- Identified and resolved any issues or discrepancies in the loan file
- Managed loan pipeline to meet processing deadlines, loan contingencies and closing dates
- Ran DU and LP Findings
Loan Officer Assistant
American Realty Services
06.2016 - 04.2017
- Sent clients the loan application, disclosures, and needs list
- Managed DocuSign (disclosures, letter of explanations, etc.)
- Sorted and organized uploaded client documentation
- Reviewed credit eligibility
- Verified/corrected client information input into the loan application - cross referencing supporting documentation with lender guidelines to correctly setup the file for submission
- Reviewed lender conditions with Loan Officer and gathered necessary items/info from clients via email or phone call
- Submitted file, supporting documentation & conditions
- Tracked the loan process from submission to closing, keeping a close eye on dates so as to not miss a deadline
- Kept track of and updated pipeline dates
- Facilitated handling of appraisal process (ordering & payment)
- Read Purchase Contracts
Education
Certificate -
Heald College
Hayward, CA04.2015
Skills
- Calyx Point Software
- Customer Service
- Quick Learner
- Team Player
- Time Management
- Mathematics
- Data Entry
- Problem-solving
- Communication
- Reliable
- Adaptability
Timeline
Retail Remote Loan Processor
Movement Mortgage
05.2021 - 06.2022
Whole Loan Processor
Vintage Home Loans, Inc.
03.2017 - 05.2021
Loan Officer Assistant
American Realty Services
06.2016 - 04.2017
Certificate -
Heald College