NOTARY SIGNING AGENT IN ORANGE PARK FLORIDA: MARGARET C. REID Call me anytime at : 1 412-353 9352

 

Margaret C. Reid- Notary Loan Signing Agent/Closer

TELEPHONE NUMBER :  ORANGE PARK,  FLORIDA – (412)353-9352

Email: ClaudiaReid44@gmail.com        PROCESS AND CLOSED LOANS AVERAGE 45-80+

Year of Experience: 26 years LOAN PROCESSOR, CLOSING, POST CLOSER AND NOTARY AGENT

SKILLS DONE ON EVERY JOB LISTED BELOW:

Managed pipeline from reports for dates and times of settlements to ensure timely delivery of the closing disclosure to borrowers. Manages dates and times of settlements, including move up requests and contacts attorneys and title companies to obtain all required documents needed to complete the closing disclosure and closing package. Reviewed all title and fee documents for accurate and complete information in compliance with company and investor guidelines. Upload all documents to the LOS imaging system and sign off on acceptable documents as instructed. I entered fees into the LOS as instructed in compliance with TRID and company policies.  Review items for accuracy that are populated in the Loan Origination System (LOS), such as loan amount, interest rate, taxes, insurance and all other applicable fees I Compared documents uploaded to LOS to information entered into LOS for accuracy.  Delivered initial closing disclosure and any following redisclosures in a timely manner in line with TRID and company policies. Understands office goals as set by management assists in meeting those goals.

Willing to relocate to:  Pittsburgh PA and New York City  

Experience with Remote Positions:   8 months   Pipeline Processing and Closings = 40 – 80+ pending

*Knowledge: Type of Loans: FHA, CONVENTIONAL, USDA, MOBILE HOMES, CONDO, 

ARM, DSI, VA AND ETC

Experience and Knowledge:  Loan Origination, Underwriting, Mortgage Loan Processing, Transaction Coordination, Escrow Closer

Mortgage Software Knowledge:  Encompass, Encompass 360 and Lending Pad

I work  with Underwriters, Mortgage Consultants, Escrow Title, Post Closers and Closers

LOAN SIGNING AGENT: JULY 2020 TO PRESENT (NOTARY) NOTARIZE LOAN DOCS  REFI, VA, CONVENTIONAL, FHA, TITLE, MOBILE HOMES, COOPS, CONDO HOA AND ETC, CD PREP LOAN PACKING FOR CLOSINGS.  

-Closing Coordinator: Inspire Closing Services - Process and Package CDs   March 2020 to July 2020 Reason for Leaving: Recognized a better opportunity and more money with Prosperity

-ERC WELLS FARGO PROJECT-MORTGAGE PROCESSOR : April 2013 to March 2020 Wells Fargo Project-

- MOVED TO JACKSONVILLE FLORIDA  4 MONTH GAP

-Americorp Settlement Company MORTGAGE PROCESSOR-  April 2004 to October December 2012 ( Company closed due to Scandal)   Settlement Processor 311 Crossways Park Dr, Woodbury, NY11797  - My role was acting control point in the loan origination and closing department.  I ensured all required documentation is properly disclosed, properly executed, documentation reviewed for accuracy completeness.  I coordinated the entire loan closing process. HANDLED PIPELINES OF LOANS AVERAGE – SLOW DUE TO Ordered Title Insurance and delivered to the respective parties.  My interaction with the sellers, borrowers, borrowers counselor, sellers counsel, clearance department of the title company negotiating issues and proffering proof on title exceptions

Seton Corporation (Affiliate of Americorp): FUNDING PROCESSOR March 2000-MARCH 2004 -311 Crossways Park Drive Woodbury NY 11797 (Company closed and moved separated itself from Americorp) –  I HANDLED THE FUNDING I made sure all the conditions were met and the loan proceeds can be wired to the escrow account and distributed to the seller and other third parties such appraisers, real estate agents and etc.

Reliance Federal Savings Bank: MORTGAGE PROCESSOR January 1995- September 1999  ( gap) 7 months and traveled Reason for leaving RFS was bought out by another bank.  The Vice President William J Mckenna VP of Operations – I report to him directly.  My duties were: I insured the payoffs judgments associated with the insured property. Collected all fees associated with the issuance of title policies recording documents, payment of taxes, water bills, HOA fees.

A.      OMISSION INSURANCE:  $ 35,000.00 NO

B.      NOTARY PUBLIC ERRORS AND OMISSIONS POLICY

C.      BACKGROUND CHECK:  6/1/2020

D.      DONE BY THE NNA NATIONAL NOTARY ASSOCIATION

E.       NOTARY COMMISION EXPIRES:  6/2024    STATE OF FLORIDA

CERTIFICATIONS:

CERTIFIED SIGNING AGENT  5/31/2020 -  THOROUGHLY REVIEW ALL DOCS FOR MISSED SIGNATURES, DATES INITIALS DURING APPOINTMENTS LOAN PACKAGING, PATRIOT ACT ACKNOWLEDGMENT AND ETC.    NOTARIZE MORTGAGE DOCS.

NNA CERTIFIED – NNA# 160914790

 CERTIFICATES:

  8/4/2020 – BSA AML IN MORTGAGE

  8/4/2020-   FAIR LENDING LAWS

  8/4/2020-   RED FLAGS OF FRAUD

  8/4/2020 -  RESPA

  8/4/2020 – UDAAP FOR FINANCIAL INSTITUTION

EDUCATION: 

TECHNICAL CAREER INSTITUTES -  TCI    WEST 34 STREET NEW YORK NY  

STUDIES: BUSINESS TECH 

GRADUATED:  NO        1995- 1998

HIGH SCHOOL:

MABEL DEAN BACON VOCATIONAL HIGH SCHOOL     EAST 15^TH STREET  

STUDIES MEDICAL ASSISTANT

GRADUATED:   YES      1986

 

Contact borrowers via telephone, e-mail and mail to obtain mortgages stipulations and I update customers on the loan progress and review documents from applicants to determine if they comply with underwriting requirements. Prepares USDA, VA and streamline FHA refinances files for submission or re-submission to DE underwriter or delegated underwriter as necessary. I maintained accurate data in LOS  Reviews Flood and Hazard insurance for acceptable coverage and other requirements  Orders and retrieves various third party documentation and reviews for accuracy to assure it meets underwriting and investor requirements. I ordered appraisal corrections and schedule final inspections with appraisers.  Maintains a professional work relationship with mortgage consultants and keep them informed and I maintained all service levels with a pipeline of approximately 30-80+ loans and I have goals as set by management and assists in meeting those goals.