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English
$
USD
I will do us mortgage underwriting , loan processing ,loan review
About this Gig
I am a Senior Mortgage Underwriter with over 14 years of expertise in residential mortgage underwriting, specializing in Conventional, FHA, and VA loans. My experience encompasses live underwriting, Pre-purchase review, pre-underwriting, loan quality review, and thorough credit risk assessment, adhering to strict Fannie Mae and Freddie Mac guidelines. I have successfully managed underwriting teams of up to 30 professionals, driving productivity, improving turnaround times, and enhancing quality scores. My key strengths include borrower Credit , capital , capacity collateral review & analysis. Interpretation of AUS findings, and risk mitigation strategies. If you are seeking a detail-oriented professional to ensure your underwriting operations are efficient and compliant, lets discuss how I can contribute to your success.
Expert US Mortgage Underwriting | Primary-Conventional
Are you looking for an experienced US Mortgage Underwriting professional to review residential mortgage loan files accurately and efficiently?
With extensive experience in Residential Real Estate (RRE) Mortgage Underwriting, I can help lenders, mortgage brokers, mortgage processing companies, and investors pe
Language:
English
Timezone:
UTC daytime
FAQ
1.What mortgage loan types do you review?
I review Conventional for now & have experience in FHA, VA, USDA files. I also provide pre-underwriting and mortgage quality control (QC) reviews
2. What documents do you need to start?
Depending on the assignment, I may require the loan application (1003), credit report, income documents, asset statements, AUS findings (DU/LPA), appraisal, title documents, and any other relevant loan documents.
3.Do you follow Fannie Mae and Freddie Mac guidelines?
Yes. I perform underwriting reviews based on applicable agency guidelines and lender requirements, including Fannie Mae and Freddie Mac
4.Will you calculate self-employed income?
Yes. I can analyze and calculate income from tax returns such as Forms 1040, 1065, 1120, 1120S, Schedule C, Schedule E, and K-1s
5. Do you provide Quality Control (QC) reviews?
Yes. I can perform pre-funding and post-closing QC reviews and identify documentation or guideline deficiencies.
6. Is my loan information confidential?
Absolutely. All client information and loan documents are treated as strictly confidential and are used only for the agreed project.
7.Do you make the final loan approval decision?
No. I provide an independent underwriting review and recommendations. The final lending decision remains with the lender or authorized underwriter.
8.What if the loan is not eligible or does not qualify?
If I identify that a loan does not currently meet the applicable underwriting guidelines, I will provide a detailed explanation of the issues and, where appropriate, identify the additional documentation, conditions, or corrective actions that may help the file become eligible.The final underwriting
