Vesta Maria Musha
New Port Richey,FL
Summary
Results-driven mortgage professional with extensive experience at Bank of America, excelling in mortgage closing and TRID compliance. Proven ability to validate documents and manage loan conditions effectively. Strong communication skills and proficiency in the Encompass platform have consistently contributed to exceeding quarterly goals and enhancing customer satisfaction.
Overview
2027
2027
years of professional experience
Work History
Closer
Resicentral
Land O LAKES, FL
12.2025 - 09.2026
- Coordinate and manage the end-to-end closing process for mortgage loans in both retail and wholesale channels. Ensured all documents meet TRID, RESPA, TILA, and investor guidelines, and that all pre-funding conditions are satisfied
- Key Responsibilities: Prepare and review Closing Disclosures, validate final loan terms, verify loan file details, Draw closing documents. Coordinate with brokers, underwriters, title/settlement agents, perform final employment verification, manage pipeline
- Coordinated with clients, title teams, and lenders to facilitate timely and accurate closing processes
- Prepared closing documents for residential transactions, ensuring compliance with regulatory requirements at Resicentral
- Reviewed contracts and verified terms to confirm accuracy and alignment with client expectations before final signature
Home Service Specialist II Condition Review
PennyMac National Mortgage
01.2024 - 12.2025
- PennyMac National Mortgage Condition Review Home specialist job responsibilities: Included but not limited to: manage daily work and queues through Encompass. Conducted loan condition reviews as a junior underwriter, enhancing processes that align with business and customer service goals. Performs routine data entry and validation tasks. Review and validate loan documents. Monitored work queues and handled additional tasks. Meet/exceed quarterly goals to include quality and efficiency.
- Managed borrower home loan servicing inquiries through PennyMac National Mortgage communication channels.
- Reviewed escrow accounts and payment histories for mortgage servicing accuracy.
- Processed loan maintenance requests within servicing system records.
Home Service Specialist II
Bank of America
05.2015 - 10.2023
- Bank Of America HSS/Closer Job responsibilities: After mortgage loan is approved, the Home Service Specialist/Closer confirms with the closing agent clear to close status and scheduled closing date, time, location. Reviews all submitted data and paperwork then prepares closing documents, such as the final closing disclosures and estimated settlement statements. Review and complete loan data so loan is ready for funding.
- Bank of America Home Service specialist responsibilities: Executed loan processing for approvals granted by an Underwriter or automated decisioning system within assigned signing authority limits.
- Cleared conditions and issued changes to the terms on previously approved loans. Verified conditions of approval, including customer income and assets documentation.
- Maintained high level of customer service through proactive communication with customers and banking center associates, realtors, and other stakeholders.
- The Home Service Specialist II is the focal point of communication with customers and sales force in the closing process of the loan. The Home Service Specialist II will have expanded credit signing authority within delegated limits.
- Processed loans approved by an Underwriter or an automated decisioning system. Cleared conditions and issued changes to terms on previously approved loans. Verified conditions of approval, including customer income and assets documentation. Resolved title issues such as vesting issues and liens; processed subordination and resolved appraisal disputes.
- Highly familiar with critical compliance mortgage documents including Note, Mortgage, TIL, Itemization of Amount Financed, ROR and HUD. Familiar with mortgage underwriting documents including 1-3, AUS results, 1008, Underwriting approvals, and appraisal. Familiar with mortgage products including Conventional, FHA, VA, First Time Home buyers' programs, down payment assistant programs and their unique characteristics. Responsible for interpreting critical compliance mortgage documents and accurately transferring data in response to script questions. Responsible for meeting individual production on standards set forth for each review.
- Processed payoffs for consumer and real estate loans, including satisfaction of mortgage, recording mortgages, and releasing vehicle titles. Kept track of in-house floorplan accounts. Handled in-house real estate loans, consumer loans, and construction loans, ensuring all data and upfront disclosures were accurately inputted.
- Met production targets by consistently achieving established performance goals while demonstrating proficiency in Microsoft Office and various software tools. Effectively managed multiple projects utilizing strong verbal and written communication skills.
Business Owner – Florist
Holiday Florist
Holiday, Florida
08.2003 - 10.2008
- Ran small business for over four years, managing accounts payable and receivable while coordinating with wholesalers and FTD and Teleflora wire services. Billing House Account customers monthly. Customer contact daily both face to Face and on the telephone. Reconciled monthly bills from FTD and Teleflora to ensure accuracy in financial reporting. Managed inventory orders and maintained accurate stock records to optimize product availability in the store.
- Directed Holiday Florist daily operations and customer service.
- Designed custom floral arrangements for weddings, funerals, and special events.
- Managed flower inventory, supply orders, and product display.
- 35 plus years' experience in the mortgage lending field which Consisted of: Processing of high volume of mortgage loans, from conventional, FHA, VA, Down Payment Assistance programs which entailed attention to detail, good organizational skills, working very closely with borrowers, builders, realtors, along with Title companies, appraisers, surveyors, etc.
- Previous Loan Officer Experience included but not limited to: Responsibility of working with 17 Personal Bankers for their residential mortgage needs, along with solicitation of realtors, builders, etc.
- Nominated for two years for Suncoast MBA (Mortgage Bankers Association) Processor of the Year.
Education
Business
Tarpon Springs Senior High
Tarpon Springs, FL06-1976
Skills
- Mortgage closing
- Closing disclosure
- TRID compliance
- Loan condition review
- Encompass platform
- Document validation
Custom
Additional Work Experience and References provided upon request.
Timeline
Closer
Resicentral
12.2025 - 09.2026
Home Service Specialist II Condition Review
PennyMac National Mortgage
01.2024 - 12.2025
Home Service Specialist II
Bank of America
05.2015 - 10.2023
Business Owner – Florist
Holiday Florist
08.2003 - 10.2008
Business
Tarpon Springs Senior High