Tiffany Marie Hernandez
West Palm Beach,FL
Summary
Mortgage inspection professional prepared to bring high level of expertise to role. Proven ability to conduct thorough property evaluations and generate detailed reports. Known for effective collaboration and adaptability in fast-paced environments. Skilled in property assessment and regulatory compliance, with focus on delivering accurate results.
Overview
8
8
years of professional experience
Work History
Mortgage Field Inspector (Part time)
Field Pros LLC
West Palm Beach, FL
06.2022 - Current
- Conducted thorough property inspections for lenders, insurance providers and investors
- Created inspection reports listing property conditions, neighborhood comparisons and occupancy status
- Inspections were conducted based on the type of inspection needed such as disaster inspections, foreclosures, bankruptcies, etc.
- Calculated and reviewed scope of work for projects based on insurance claims
Mortgage Loan Processor (Remote)
Mofin Lending
12.2023 - 12.2024
- Processed Hard money loans such as DSCR and RTL loans for investors which included calculating the property’s net income and/or reviewing budget and scope of work for the property
- Conducted comprehensive credit assessments using credco to determine borrowers’ credit eligibility and FICO
- Reviewed asset statements, background reports, tenant leases and verified borrower information to determine if investor guidelines are met.
- Requested and reviewed appraisal and title orders to ensure accuracy of property information and value
Escrow Processor (Temp)
PGP Title
West Palm Beach, FL
09.2022 - 09.2023
- Prepared closing disclosures for lender approval
- Calculated escrow fees including Tax, HOA and HOI pro rations
- Prepared and reviewed Title work for accuracy
- Ordered payoff statements, Legal documents including release requests and invoices from third parties
- Reviewed purchase contracts, deposits and change orders based on lender guidelines
Mortgage Loan Processor (Temp)
City Lending, Inc
08.2020 - 04.2022
- Analyzed credit, calculated income, and evaluated assets, liabilities, and collateral per agency and investor guideline
- Ordered appraisals, requested title docs and updated insurance binders according to loan terms
- Maintained communication with all parties involved on the loan throughout entire process
- Detail-oriented and thorough in gathering borrower information, verifying loan documents and reviewing files to guide each borrower throughout the loan process
Mortgage Loan Processor
Freedom Mortgage
Deerfield Beach, FL
06.2019 - 07.2020
- Processed mortgage loans including FHA, Fannie Mae, Freddie Mac, and VA
- Examined Insurance binders and titles for judgments/liens and ordered necessary documentation needed for underwriting approval
- Managed a 35-45 loan pipeline of both refinances and purchases while consistently closing 20+ loans per month
- Used encompass software to review, request and submit loan documentation for approval
- Communicated directly with Loan officers and borrowers throughout the mortgage process
Mortgage Loan Processor/Closer
Mortgage Markets Cuso
Vernon, CT
01.2018 - 02.2019
- Processed assigned loans in a timely manner according to FHA, Fannie Mae, Freddie Mac lending guidelines.
- Examined titles for judgments/liens and ordered subordinations.
- Maintained 30-40 loan pipeline of conventional full-doc, HARP, FHA, and co-op refinances while consistently closing 20+ per month
- Gathered closing figures, input closing information and generated loan documentation.
- Coordinated with buyers, sellers, title companies, attorneys, escrow agents and real estate agents throughout the loan process.
Education
Associate's Degree - Business
Goodwin College
01.2018
Skills
- Fair Housing Regulations
- Calyx Point
- Encompass
- Accounts Receivable
- Loan Officer Experience
- Underwriting
- Credit Analysis
- Tax Experience
- Office Management
- MS Word, MS Excel, MS PowerPoint, MS Access and MS Outlook
- Data Entry
- Customer Service
- Escrow
- Loan Origination
- Financial Analysis
- Organizational growth
- Safety regulations compliance
Languages
Spanish
Native or Bilingual
Timeline
Mortgage Loan Processor (Remote)
Mofin Lending
12.2023 - 12.2024
Escrow Processor (Temp)
PGP Title
09.2022 - 09.2023
Mortgage Field Inspector (Part time)
Field Pros LLC
06.2022 - Current
Mortgage Loan Processor (Temp)
City Lending, Inc
08.2020 - 04.2022
Mortgage Loan Processor
Freedom Mortgage
06.2019 - 07.2020
Mortgage Loan Processor/Closer
Mortgage Markets Cuso
01.2018 - 02.2019
Associate's Degree - Business
Goodwin College