Deborah Jacobson
15907 Crooked Way Lake S
Cypress, TX 77433
Cell-443-980-7602
[email protected]
OBJECTIVE
To use my skills and experience within the Real Estate and Mortgage industries to obtain a challenging, rewarding career.

EMPLOYMENT:

Amcap Mortgage, Spring, TX
Sr. Loan Processor 2013-present

Duties include all aspects of processing, pre-underwriting conventional, VA and FHA and USDA Mortgage loan applications. Responsible for reviewing submitted loan files for accuracy, communicating the loan officers, borrowers, title companies and underwriting to ensure superior customer service and seamless closings. Loans are reviewed, documentation gathered, all while maintaining compliance standards. Loans are submitted to underwriting while also adhering to company and investor guidelines. With an emphasis on attention to detail and the ability to multi task being personal strengths.

Cobalt Mortgage, Houston , Texas
Underwriter

Responsible for all aspects of file review, including Appraisal review, income and financial documentation. Analyze corporate income tax returns. Excelled in paperless environment. Followed FNME/FHLMC guidelines to ensure 100% compliance and viability of loans for delivery to investor. Communicate with processors and loan officers to make the mortgage process an exemplary customer experience.

AmeriPro Funding Houston, Texas
Senior Loan Partner/Production Assistant 2012- 2013

Licensed Mortgage Loan Officer NMLS #997890. Duties include all aspects of loan origination, including pre-qualification of clients, researching client scenarios with underwriting and secondary marketing, taking client loan applications, reviewing loan roadmap with clients, sending and reviewing all applicable disclosures, reviewing fee estimate, rate and terms, organizing assets and income, complete quality control document review. Execute loan locks; provide status updates to clients and realtors. Participate in processing pipeline meetings; ensure loan timeline is adhered to. Emphasis on delivering superior customer service.

Long and Foster Realtors, Inc. Baltimore, Maryland
Realtor, Assistant to Libby Berman/Ann Neumann/Mort Libov 2006-2012
Licensed Realtor, Assistant to Libby Berman, Ann Neumann and Morton Libov. Member of Greater Baltimore Board of Realtors, National Association of Realtors. Perform all job responsibilities of a Realtor, including listing Properties for sale, preparing contracts and addendums, having contact with Mortgage and Title contacts, following sales contract progress, preparing for settlements. Duties include all marketing, advertising, brochures, internet updates, website management.

Brooks Financial Group, LLC., Owings Mills, Maryland
Processing Manager, 2004 - 2006
Job duties include placing loans, locking loans with lenders, gathering all required documentation, submitting loans for approval, collecting conditions required for settlement, coordinating settlements with lenders, borrowers and title companies. Reviewing and approving closing statements and preparing files for quality control audit. Ran detailed reports analyzing loan flow, cash and work flow. Coordinated all Lender relationships. Handled all aspects of state licensing requirements; from initial application thru continuing education requirements. Supervised staff of 5 as well as all company training. Reported to President of Company directly.

Corestar Financial Group, LLC, Timonium, MD 21093
Senior Underwriter, 2003 - 2004
Reviewed loan files for accuracy and compliance with applicable investor guidelines. Secondary marketing responsibilities included pricing loans and communicating with loan officers as well as senior management. Sub prime as well as conventional loans, including Home Equity Lines of credit. Cleared loan conditions for settlement. Responsible for assisting with the packaging of closed loans for sale on the secondary market. Ran detailed reports including: production, loan flow and post closing reconciliations.

Countrywide Home Loans, Owings Mills, Maryland
Loan Specialist II, 2002 - 2003
Duties include loan processing and file underwriting. Review loan files for accuracy, data entry, and document integrity. Dates and compliance. Loan closings, shipping and funding are an integral part of responsibilities. Conventional as well as government loans.

Temple Inland Mortgage Corporation, Towson, MD
Senior Loan Closer, 1992 - 1995
Responsible for reviewing loan package for settlement, preparing all loan closing documents as well as coordinating with Title companies, Loan officers, Insurance companies and borrowers. Clearing loan conditions and assuring file integrity.

The Lerner Corporation, Bethesda, MD
Accounts Payable, 1991 - 1992
Responsible for accounting duties of a major commercial real estate developer. Processed all invoices and billing for several major shopping malls.

Chevy Chase Federal Savings Bank, Bethesda, MD
Senior Loan Closer, Senior Loan Processor, 1989 - 1991
Positions included loan closer, senior loan closer, loan processor, as well as senior loan processor. Responsible for obtaining all necessary information and documentation for the underwriting process as well as checking for accuracy and completeness.

NVRMortage Corporation, Silver Spring, MD
Loan Closer, 1988 - 1989
Prepared loan packages for settlement.

EDUCATION
Inver Hills College, Inver Grove Heights, MN
A.A., Liberal arts, 1987

LICENSES
NMLS #997890
Real Estate license - Maryland, 1987, 2005
Member: Greater Baltimore Board of Realtors, National Association of Realtors.

Fannie Mae, Freddie Mac Underwriting Test - FNME,FHLMC , 2003

Underwriting the Self Employed Borrower - Fannie Mae- Housing Finance Institute, 2003

Comprehensive Risk Assessment - Fannie Mae-Housing Finance Institute, 2003
Proficient in the use of LP, DU, Calyx Point, Encompass, Blitzdocs, IDS Microsoft office, Publisher and Excel