Joan J.

-1003 / URLA Optimization: Completing, reviewing, and scrubbing loan applications. - Prequalifications and Pre-approvals - Expert in QM loans: FHA, Conventional and VA Guidelines - Expert in Non QM loans/Hard money loans: DSCR, Bank statement loans, P&L, No Ratio - I can structure QM and non QM loans and get pricing - Document Collection: Requesting and indexing Income, Asset, and Credit documents. - Credit Analysis: Pulling Soft Inquiry and Tri-merge credit reports and analyzing liabilities. -Reviewing files for errors before Underwriting submission. -Tracking loan stages from Lead to Clear-to-Close. - Lender Portal Submission: Uploading files and satisfying conditions in wholesale portals. - Third-Party Orders (Title, Appraisal, Insurance) - Appraisal Management: Ordering via AMCs, tracking inspections, and following up on reports. - Title & Escrow Coordination: Ordering Title Commitments/Prelims and clearing title clouds. - Insurance Requests: Obtaining Hazard Insurance (HOI) Dec Pages and updating Mortgagee Clauses. - Vendor Liaison: Managing communication with third parties to ensure on-time closing. - Asset-Based Lending Support: Assisting with DSCR (Debt Service Coverage Ratio) and Fix-and-Flip files. - Draw Request Management: Processing construction draws and tracking rehab budgets. - Term Sheet Drafting: Preparing initial loan terms and Proof of Funds (POF) letters. - Valuation Organization: Compiling comps and ARV (After Repair Value) data for review. - Exit Strategy Documentation: verifying borrower repayment plans (Refinance or Sale). - Lead Generation: Cold calling, warm calling, and scrubbing lead lists. - Managing calendars and booking firm consultations for Loan Officers. - CRM Management: Updating client records and loan statuses (e.g., Floify, Shape, GoHighLevel). - Sending daily updates to all parties involve