Kate A. Harris

Work History

Work History
Jul 2010 - Present

Mortgage Originator / Contract Processor

Mortgage Advice / Custom Processing

As a Mortgage Originator, I originate purchase and refinance transactions (conforming, non-conforming, FHA, VA, MHFA, USDA).  I maintain direct contact with my Clients to ensure they are informed throughout the entire transaction and to ensure their financial goals and needs are met. 

As a Contract Processor, I process mortgage purchase and refinance transactions for multiple Loan Originators and multiple Investors.  This includes conforming, non-conforming, FHA, VA, MHFA, USDA.  I maintain direct contact with the Loan Originators, Client's (if applicable), Account Executives, Underwriters, Closers, and Post-Closers to ensure the mortgage transaction is completed with an expectation of exceptional customer service.   

Mar 2009 - Jun 2010

Sr. Mortgage Consultant

River City Mortgage & Financial

As a Sr. Mortgage Consultant, I created and maintained relationships with Builders and Real Estate Agents/Agencies. I worked closely with the respective companies and kept them informed of the changing market and the products available for their clients.

I worked closely with a team of individuals who originated and processed purchase and refinance transactions from the business relationships I created, referral sources, and the teams' individual referral production. Additionally, I was the liaison between my team and the company's processing, underwriting, and closing departments. I tracked and oversaw each individual transaction to ensure compliance with the Investor's, RCMF, and to ensure we met and exceeded the expectations of all parties in the transaction.

I originated purchase and refinance transactions (conforming, non-conforming, FHA, VA, MHFA, USDA). I maintained direct contact with my Client's to ensure they were informed throughout the entire transaction and to ensure their financial goals and needs were met. I maintained regular contact with the processing, underwriting, closing and post-closing staff as well as, the Real Estate Agents, Closing Coordinators, and the Title Company.

Mar 2008 - Dec 2008

Sr. Mortgage Consultant

Advisor's Mortgage, LLC

As a Sr. Mortgage Consultant I worked closely with prospective clients to review the details of a purchase and /or refinance transaction that fit their individual needs. Additionally, I took their application, reviewed their credit, and advised them of the documents required for the approval of the transaction. I maintained communication between the client, Real Estate Agents, processor, underwriter, closer, and post-closer. I was a part of the complete transaction from application to closing. I created and maintained relationships with Builders and Real Estate Agents/Agencies. I worked closely with the respective companies and kept them informed of the changing market and the products available for their clients. Finally, I created the MHFA CASA initiative and it was approved 11/08.

Jun 2004 - Feb 2008

Sr. Mortgage Consultant / Branch Operations Manager

Summit Mortgage Corporation

As a Sr. Mortgage Consultant, I created, negotiated, and maintained relationships with Builders and Real Estate Agencies. I worked closely with their employees keeping them well informed of programs, products, guidelines, the industry market, and customizing our relationship to the changing needs of their clients. I worked directly with each of their clients through the entire process of the financing transaction. I maintained constant contact with all parties of the multi-level relationship.

As an Operations manager, I managed 8 employees of various roles to ensure a smooth transaction. I trained the employees on systems, investors, programs, products, guidelines, origination, and processing. I managed pipeline reports for each employee and the branch. I developed processes within the branch to ensure proper procedures were followed during every stage of the real estate finance transaction.

Oct 2003 - Dec 2007

Account Specialist

Harco Marketing Group

As an Account Specialist, I created and maintained relationships with clients with specific direct mail marketing needs.  I assisted with identifying the target audience, setting the parameters to optimize the best response, the list product needed, the mailing specifics, and the final product.  The clients I worked directly with had on-going direct mail marketing campaigns. 

Sep 1999 - Oct 2003

Sr. Loan Specialist II / Team Lead

Bank of America

As a Sr. Loan Specialist II, I originated, processed, underwrote, closed, and funded residential real estate purchase and refinance transactions ranging from conforming, non-conforming, FHA, VA, MHFA, IL Bond, ND Bond, and NY Co-op. I trained and mentored associates in these areas, as well as, programs, products and guidelines. I generated and analyzed my team's pipeline reports in order to maintain Bank of America's high standards of customer service standards. I worked in the Retail, Private/Premier Bank, and Assumption Departments of Bank of America.

Education

Education
Sep 2001 - Dec 2003

University of MN
Aug 1996 - May 2000

Minneapolis College of Art and Design
Aug 1995 - May 1996

Iowa State University
Aug 1991 - Jun 1995

HS Diploma

Convent of the Visitation
Sep 1993 - May 1995

University of MN

Skills

Skills

Microsoft Office

This includes: Word, Excel, Power Point

DU/DO/LP/FHA Connection/VA TAS

Optimal Blue/SPR Calc/Sollen

Encompass/Calyx/Point

LPS/LIS

Certifications

Certifications
Dec 2008 - Present

Minnesota Continuing Education

Advanced Education Systems