Tina Cao'Martin

• Managed property expenses, including taxes, mortgages, payroll, insurance premiums
• Performed regular property inspections and coordinated repairs, maintenance
• Provided detailed reports on property financials, and expiring leases
• Conducted property showings for prospective tenants, assessed applications

Docs & Closer Responsibilities

• Prepare and generate final closing documents, ensuring TRID and HMDA compliance
• Input final closing fees and data into Encompass, ensuring accuracy and system balance prior to doc release
• Review title reports for liens, judgments, and required payoffs, verifying all cures are applied
• Coordinate with title/settlement agents, and attorneys to confirm final fees, closing dates, and appointment schedules
• Release Closing Documents once loan file is balanced and all required items are verified
• Update Encompass with received signed documents and track outstanding post-closing items with title and escrow
• Follow up on missing final title policies and closing statements; upload documents into LOS as received
• Assisted in resolving post-closing errors or omissions as needed

Funder Responsibilities

• Review signed closing docs for completeness, accuracy, and eligibility for recordation
• Address & clear all pre-funding conditions in coordination with underwriting and upload documentation into Encompass
• Validate that the final Closing Disclosure (CD) matches loan data in Encompass and escrow figures to ensure balance
• Prepare and verify Funding Worksheet and wire instructions for disbursement of loan funds
• Confirm loan funding by balancing required items and providing authorization for wire release
• Reissue final Closing Disclosure as required and update loan system accordingly
• Ensured compliance with regulatory guidelines throughout closing process.

• Managed VA/FHA loan from initial through closing, ensuring all required documentation was submitted, signed, complete, and verified
• Maintained an active pipeline of 25–30 loans with an 85% closing ratio, consistently meeting deadlines and quality standards
• Examine individual titles in order to determine if restrictions, such as delinquent taxes, will affect titles and limit property use
• Proactively communicate weekly status updated with borrower ensuing deadlines and expectations are realistic
• Documented conversations with customers to track requests, problems and solutions
• Schedule and conduct all closings

• Processed residential mortgage loans from origination to closing, including FHA, VA, and Conventional, maintaining compliance with Fannie Mae, Freddie Mac, and agency guidelines
• Reviewed new loan files within 48 hours
• Managed and maintained an active pipeline of 7-10 loans, consistently meeting deadlines for purchase contracts and rate lock
• Ordered and tracked all necessary documents to satisfy AUS findings, underwriting and lenders conditions; updated and upload all verified docs to Encompass
• Ensured all closing documents were accurate and received in a timely manner, including title, insurance, and third-party invoices.
• Submitted files to the closing department upon receiving clear-to-close (CTC) approval

• Managed the entire loan processing flow, ensuring efficient progress from pre-approval to closing, including ordering credit reports, WVOEs, appraisals, open title and escrow, IRS transcripts, and insurance binders
• Ordered FHA/VA case numbers as needed
• Reviewed 1003/1008 verify completeness and accuracy prior to submitting file to underwriting
• Calculated income and verified assets using supporting documentation, and updating Encompass
• Ensured all closing documents were accurate and received in a timely manner, including title, insurance, and third-party invoices
• Contact borrowers weekly to provide updates and ETA on closing.

• Oversaw all loan pipelines at various stages, ensuring files met all conditions, contingency dates, and closing deadlines
• Calculated income, analyzed tax returns, and validated employment, assets, and credit information to ensure borrower qualification
• Prioritize workflow to ensure time sensitive files are handled in proper order
  Schedule and tracking of closing dates, contingency dates and lock expiration
• Ordered AUS findings and worked proactively to clear conditions and satisfy investor, agency, and internal requirements
• Trained and mentored jr processors, as needed, offering training and guidance
• Assisted in developing and refining loan processing procedures to improve workflow efficiency and compliance
• Utilized CalyxPoint to manage loan data, document tracking, and status updates with accuracy
• Maintained confidentiality and professionalism in handling sensitive borrower information and internal communications
• Processed cancelled loan files in compliance with financial regulations
• Streamlined processing workflows to enhance operational efficiency and reduce turnaround times.

• Contacted borrowers within 48 hours of file assigned to introduce myself, explain process, timeline, and review file with borrower for any discrepancies
• Review 1003/1008 to verify application is complete and accurate
• Work closely with borrower and Mortgage Banker to take each file from pre-approval to closing
• Responsible for ensuring that all loan documentation is complete and accurate to comply with company policy
• Orders credit reports, appraisals, flood certifications and title work
• Review credit reports to ensure that all the applicant(s) open accounts are current, and verify any open mortgages, public records, excessive inquiries, and address discrepancies
• Send out broker disclosures via DocuSign
• Request Loan Estimates (LEs) and submit loan to wholesale lenders
• Orders FHA /VA case numbers and tax transcripts, as needed
• Averaged 20+ loan closings per month; consistently recognized as a Top Producer for performance and productivity