Victoria Gutierrez
The Colony,Tx
Summary
FNMA, FHLMC, Construction and Government Loan experience. Ability to work with minimal or no supervision. Perform well in a fast paced environment with deadlines and able to handle multiple tasks simultaneously. Team oriented. Excellent Customer Service Deadline-oriented Mortgage Loan Closer with proven history of poise and patience working closely with range of different personalities. Critical thinker with eye for checking important mortgage documents for accuracy. Bilingual: Read, write and speak English and Spanish; serve as translator.
Overview
13
13
years of professional experience
Work History
Mortgage Loan Closer II
FIRST NATIONAL BANK
Southlake, TX
09.2016 - Current
- Stack file, accordingly, review documents in closing file and verify information in system and underwriter approval guidelines.
- Review title work all schedules, title company fee’s, determine what endorsements are required per state and loan type.
- Review Tax certificate, Survey and Flood Certificate.
- Appraisal review, fee collected any improvements or repairs that match Survey
- Email instructions, any recordable documents, invoices, and closing disclosure to title company.
- Send closing disclosure to customer following TRID guidelines
- Review funding conditions prior to release of documents, confirm max PITI, any expiration dates
- Email complete closing package to title company with any additional instructions and or additional items that may be required to fund.
- On day of funding review complete closing package for accuracy clear all funding conditions, send wire, complete MERS and UCD’s with Fannie Mae and Freddie Mac
- Issue funding number and prepare boarding package per applicable loan program
Mortgage Loan Closer
WELLS FARGO BANK
Las Colinas, TX
10.2012 - 12.2015
- Reviewed pipeline to anticipate estimated closing date.
- Obtain and clear closing stipulations.
- Conduct welcome calls to settlement agency.
- Monitor files throughout underwriting and follow up with 3rd party and/or customers to obtain closing related documents needed to complete loan file.
- Contact and review HUD-1 and requirements with customer
- Communicated closely with inter-company staff members to promote quick and effective loan workflow.
Loan Servicing Specialist
BANK OF AMERICA
Plano, TX
03.2010 - 04.2012
- Drew assumption closing documents for government loans, FHA, Conventional, and VA loans.
- Contacted borrowers to inform of loan approval.
- Schedule closing and reviewed fees.
- Contacted Title Company and/or Attorney to schedule closing and review fees.
- Verify all documents have been accurately signed, dated and notarized by all parties.
- Update system with new borrower’s information, make any changes that apply, prepare welcome letter, for borrower and prepare Release of Liability for seller.
Real Estate Specialist-Processor
CAPITAL ONE BANK
Irving, TX
04.2006 - 01.2009
- Established Home Equity Lines of Credit
- Purchase/Refinance Lot Loans
- Acreage Loans
- 2nd Purchase Money Loans
- Home Improvement Loans
- Order & review Title search, Flood Certification, Appraisal
Education
Sunset High School
Dallas, TXSkills
- Driven to ensure highest levels of quality
- Attention to Detail
- Problem Solving
- Focus on Policy and procedure
- Multitasking and Prioritization
- Verbal and Written Communication
Timeline
Mortgage Loan Closer II
FIRST NATIONAL BANK
09.2016 - Current
Mortgage Loan Closer
WELLS FARGO BANK
10.2012 - 12.2015
Loan Servicing Specialist
BANK OF AMERICA
03.2010 - 04.2012
Real Estate Specialist-Processor
CAPITAL ONE BANK
04.2006 - 01.2009
Sunset High School