| Candidate Information | | Title | Real Estate Tranaction Specialist | | Target Location | US-FL-Orange Park | | Email | Available with paid plan |
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Click here or scroll down to respond to this candidateFrom: James P. FawthropStreet Address lang AveOrange Park, FL Street Address
C: Street Address -524-0563 / EMAIL AVAILABLE / EMAIL AVAILABLE To: Hiring Department/ManagerI am seeking full-time employment where I can best utilize my extensive background experience in dealing with customers for both real estate loan origination as well as the purchase and sale of real estate as I have had an active real estate license as well. I also have experience in the modification of loans and the under-writing analysis for income as I worked on modifications at both Bank of America for a couple of years as well as Wells Fargo during Covid. My loan origination experience is primarily retail portfolio retention for major banks and lenders however I have good amount of experience with purchases for both customers and myself as I have bought and sold multiple properties as an investor as well as owned multiple properties as a land lord. All of my positions have necessitated that I have regular contact with customers as well as others for the facilitating of a refinance, purchase, and or modification of the loan. Apart from the borrowers I would be in contact with the real estate agent, inspector, appraiser, processor, title agent and underwriter as necessary. I would also research and collect documentation from the borrowers the courthouse, municipality, 911 service, HOA or any other 2nd mortgage lien holders to clear the title and the process the loan in an expeditious time-frame.I have experience retrieving and reviewing the customers credit as well as I have had to assist them with rapid rescores, when necessary, with contacting the credit reporting bureaus. I have also had to verify that borrowers eligibility for Federal financing thru the CAIVRS reporting system and would also submit documentation when necessary to get them qualified for Federal Financing.I regularly presented refinance and purchase products from the vanilla fixed rate products to the more sophisticated adjustable-rate and Option Arm mortgages (Pick a Payment) as well as I met the customers needs with (HELOCs) Home Equity Lines of Credit and bridge loans and even originated (HE) Home Equity loans and piggy back financing for purchases.I have done all the document collection and processing for multiple refinances and purchases from the collection of the purchase agreements and income documentation like regular W2 & 1099 income as well as income tax returns for self- employment and lease for rental income. I also have had to collected account information for asset verification and or for bank statement loans to complete your standard and non-standard loans for both QM and Non-QM. I would regularly go over the appraisals and loan documentation for the final consummation of the or the declination letter and criteria for the underwriting decision if the customer was declined. I also regularly reviewed modification agreements and or 2nd mortgage agreements depending upon the type of loan and the particular modification or other customer retention program the customer had qualified for. I can clearly explain documentation requirements, underwriting criteria, mortgage agreements, disclosures and closing cost in a way that makes sense to the customer as well as make sense of the paperwork for them to understand the reason for the documentation requirements and or signature in order for them to complete their process. I hope this gives you a good idea of my knowledge base and experience and what I have to offer as an employee and if I can be assistance, I would love to hear from you.Sincerely,James P. FawthropI am looking for positions related to my background experience including: Loan ConsultantLoan Review AnalystTitle SearcherTitle ClerkTitle ExaminerEscrow AssistantLoan Underwriter/AssistantMortgage ProcessorMortgage SpecialistACHIEVEMENTS:1. Toast Master International - Earned the highest Award - Leadership Excellence / Distinguished Toast M aster - 20172. Heartland Institute of Financial Education - 2012 3. (NMLS) Nationwide Multistate Licensing - Mortgage Loan Officer - 2011 4. Crown Financial Ministries - 20105. Multi-State Mortgage Loan Consultant - 20016. Florida State - All Lines Adjuster - 20007. National Association of Securities Dealers, Inc. Registered Representative Series 63 Securities, and Annuities - 19938. Florida Life Insurance Agent - 19939. Florida State Auctioneers License - 199210. Florida Division of Real Estate Broker License 1992 11. Florida Division of Real-estate Sales Agent 1991 12. Florida Notary Public - 199113. Florida Life Insurance Agent - 19831. Honorable Discharge from the Airforce - E4 Airman First Class 1981 Skills:MultitaskingActive ListeningTime ManagementDecision MakingRisk AssessmentTitle ResearchCustomer CommunicationsPersuasive Speaking |
