Tiffanny Webb

· Conduct thorough review of title commitments, addressing vesting issues Sch. A & lien positions Sch. C.

· Order pay-offs, subordination agreements, and surveys while ensuring compliance with title requirements.

· Analyze surveys for boundary outlines and easements, resolving discrepancies when necessary.

· Obtain necessary documentation from borrowers and sellers, streamlining the closing process.

· Schedule closings, prepare Settlement Statements or HUD-1 estimates, and coordinate all transaction details.

· Liaise with lenders, taxing authorities, and other entities to resolve title, tax, or lien issues effectively.

· Draft and review legal documents such as Not Same Person Affidavits to clear judgments.

Provide exceptional customer service, ensuring a seamless process from closing to funding.

• Assisted coworkers in resolving challenging title defects, fostering a collaborative work environment.
• Provided support during real estate closings, ensuring smooth transactions for all parties involved.
• Increased customer satisfaction by providing timely updates on the status of curative efforts.
• Analyzed title documents to identify potential issues and resolve any discrepancies.

• Ensured compliance with all state and federal regulations during the mortgage closing process.
• Built strong relationships with clients, answering questions and providing guidance throughout the loan process.
• Collaborated with underwriting, processors, and title companies to ensure timely closings.
• Improved loan closing process by implementing efficient document preparation and verification procedures.
• Managed a high volume of loans, maintaining strict deadlines and prioritizing tasks effectively.
• Maintained accurate records of closed loans, ensuring proper documentation for audit purposes.
• Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
• Worked with underwriters to fix application problems and resolve issues.
• Analyzed loan applications and credit reports to determine loan eligibility and risk level.
• Checked loan documents for accuracy prior to closing.
• Developed and maintained relationships with customers, lenders and other third parties.
• Explained very technical financial information to applicants in easy to understand language.
• Improved company''s funding success rate through diligent review and verification of borrower information.
• Maintained up-to-date knowledge of industry trends and best practices related to mortgage fundings, ensuring compliance with all relevant regulations and guidelines.
• Monitored pipeline activities closely, ensuring proper follow-up on outstanding items necessary for loan closing.
• Reduced errors in mortgage documents with thorough review and attention to detail.

· Prepared all loan-closing documents ensuring accuracy for a fully compliant mortgage loan.

· Carefully review all documents for any errors and confirm that pricing and program are correct to ensure loan will be funded.

· Reviewed Case Number Assignment, Title Commitments, HOI Policies, PMI Certification and all loan documents for accuracy.

· Communicate with attorneys, closing agents, and vendors to answer questions and resolve any issues.

· Communicate with title companies to gather all necessary information for accurate document preparation.

· Coordinate scheduling and delivery of the documents before closing with title companies.

· Coordinate the processing of the loan closing proceedings and ensure all loans are closed in a timely manner.

· Review all closing details to ensure compliance with state and federal regulations. Making sure all conditions of the loan are met.

· Worked with settlement agents on any outstanding closing conditions required to fund the loan.

· Review and prepare Initial Closing Disclosure, CD’s, LE’s, Disclosure history and identify compliance violations and over tolerances.

· Fund the loan and handle all post-closing collection of documentation to complete the process.

· Sharp Math and Calculation skills

· Prepares closing loan package necessary for individual loan types in accordance with bank and Investor guidelines as well as Secondary Market commitments and requirements.

· Ensure the timely movement and closing of approved loans through the pipeline.

· Contacts Title Companies, Attorneys, Loan Officers, Processor and Insurance Companies to obtain documentation necessary to close mortgage loans.

· Monitors loan status on continual basis to ensure that timely/qualified standards are achieved

· Advises all parties of any changes or issues that may occur to ensure high quality standards and customer service.

· Performs a pre-closing quality review of loan files prior to releasing the closing package.

· Reviews all preliminary documents to provide from attorney/title company to include, but not limited to: Title commitment, surveys, termite report, Hazard/Flood insurance binder, Deed, Closing Disclosure, Power of Attorney and/or Trust Documentation.

· Completes all disbursement procedures for issuing funds to attorney/title company, any necessary refund checks, and release of escrow monies withheld.

· Respond to and resolved any technical and complex issues that may arise.

· Follow up on any deficiency requests by Shipping and Post-Closing to ensure timely procedures for loan purchasing to the Investors.

· Keep abreast of industry regulations and changes.

· Complying with all federal, state, and local regulatory rules and regulations governing financial institutions, as well as all company policies and procedures

· Completing and passing all required regulatory compliance training as assigned.

· Perform any additional duties and tasks as assigned by management

• Utilize Automated Desktop Underwriting Decisions for Conventional Refinance loans.
• Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records, and current financial status.
• Reviewed appraisals and title documents to verify accuracy and completeness.
• Approved or denied loans based on established criteria and underwriting guidelines.
• Demonstrated sound decision-making skills when assessing borrower eligibility based on financial stability, creditworthiness, and collateral value.