Lorraine Santana

Work History

Work History
Dec 2008 - Feb 2009

Mortgage Processor

Wells Fargo Bank

Once files were received from the loan officers I would do the following:

order insurance, title, appraisal and payoffs etc. whatever is needed for that particular file.

Gather and request paystubs, tax returns, bank statements etc.

I worked the file from only an application and made it complete and ready for the closing department

Apr 2008 - Oct 2008

Business Real Estate

Wells Fargo Bank

I worked with Realtors and Business Bankers to structure business loan prospects.

I knew the underwriting guidelines and programs we offer and would make sure the loan is something that we can do.

Jul 2007 - Jan 2008

Loan Officer

Countrywide Home Mortgage

I would meet with clients and prequalify them for a mortgage. I would do the following:

Gather there information and pull there credit. See if there is anything that needs to be updated.

After reviewing there credit I would see if there are any programs they qualify for.

I also worked with Grants and Bonds (Home in 5, city of Phoenix, Glendale etc.) for the first time home buyers.

Once they are prequalified I would complete the application process and gather as much information and documentation as possible and send to our processors.

Main documents would be; HOI, paystubs, tax returns (if needed), bank statements,  title info (if they have a title company preference)

Once the file is submitted I would be the main point of contact and follow the process every step of the way and would go to the signings with the borrowers for any questions they may have.

I would also go to Realtors Offices, Mixers, New Home Builder Sites and other social events to get my name out there and try to get business. I would have flyers and business cards to hand out to everyone. I would talk about what programs we offer and first time home buyer Bonds and Grants I could apply the clients for.

Oct 2005 - Jul 2007

Mortgage Loan Officer

Bank of America

As a Processor I did the following:

Once files were received from the loan officers I would do the following:

order insurance, title, appraisal and payoffs etc. whatever is needed for that particular file.

Gather and request paystubs, tax returns, bank statements etc.

I worked the file from only an application and made it complete and ready for the closing department

As  a Loan Officer I did the following:

I would meet with clients and prequalify them for a mortgage. I would do the following:

Gather there information and pull there credit. See if there is anything that needs to be updated.

After reviewing there credit I would see if there are any programs they qualify for.

I also worked with Grants and Bonds (Home in 5, city of Phoenix, Glendale etc.) for the first time home buyers.

Once they are prequalified I would complete the application process and gather as much information and documentation as possible and send to our processors.

Main documents would be; HOI, paystubs, tax returns (if needed), bank statements,  title info (if they have a title company preference)

Once the file is submitted I would be the main point of contact and follow the process every step of the way and would go to the signings with the borrowers for any questions they may have.

I would also go to Realtors Offices, Mixers, New Home Builder Sites and other social events to get my name out there and try to get business. I would have flyers and business cards to hand out to everyone. I would talk about what programs we offer and first time home buyer Bonds and Grants I could apply the clients for.

Jun 2005 - Aug 2005

Loan Officer

Freestand Financial

 I would meet with clients and prequalify them for a mortgage. I would do the following:

Gather there information and pull there credit. See if there is anything that needs to be updated.

After reviewing there credit I would see if there are any programs they qualify for.

I also worked with Grants and Bonds (Home in 5, city of Phoenix, Glendale etc.) for the first time home buyers.

Once they are prequalified I would complete the application process and gather as much information and documentation as possible and send to our processors.

Main documents would be; HOI, paystubs, tax returns (if needed), bank statements,  title info (if they have a title company preference)

Once the file is submitted I would be the main point of contact and follow the process every step of the way and would go to the signings with the borrowers for any questions they may have.

I would also go to Realtors Offices, Mixers, New Home Builder Sites and other social events to get my name out there and try to get business. I would have flyers and business cards to hand out to everyone. I would talk about what programs we offer and first time home buyer Bonds and Grants I could apply the clients for.

Sep 2003 - Dec 2004

Mortgage Loan Officer

Wells Fargo Home Mortgage

I  would meet with clients and prequalify them for a mortgage. I would do the following:

Gather there information and pull there credit. See if there is anything that needs to be updated.

After reviewing there credit I would see if there are any programs they qualify for.

I also worked with Grants and Bonds (Home in 5, city of Phoenix, Glendale etc.) for the first time home buyers.

Once they are prequalified I would complete the application process and gather as much information and documentation as possible and send to our processors.

Main documents would be; HOI, paystubs, tax returns (if needed), bank statements,  title info (if they have a title company preference)

Once the file is submitted I would be the main point of contact and follow the process every step of the way and would go to the signings with the borrowers for any questions they may have.

I would also go to Realtors Offices, Mixers, New Home Builder Sites and other social events to get my name out there and try to get business. I would have flyers and business cards to hand out to everyone. I would talk about what programs we offer and first time home buyer Bonds and Grants I could apply the clients for.

Education

Education
Aug 1993 - Dec 1994

n/a

Arizona Western College
Aug 1989 - May 1993

High School Diploma

Tolleson Union High School

I took the general course of study.

I was involved in Varsity softball all 4 years. Varsity Volleyball and basketball.