Sierra Hage
Senior Mortgage Underwriter at Success Mortgage Partners- Claim this Profile
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Experience
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Success Mortgage Partners
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United States
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Real Estate
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200 - 300 Employee
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Senior Mortgage Underwriter
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Jun 2018 - Present
Analysis of VA, FHA, Conventional and Down Payment Assistance Program loans to determinecompliance with federal, investor and company guidelinesAnalysis of applicants financial status, employment profile, credit reports, title insurancecommitments and applicable legal documents to make eligibility determinationsReview appraisal reports for accuracy and credibility. Verify that a supportable opinion ofmarket value was determined using sound methods and acceptable comparable salesRendered decisions based on overall criteria of the loan and it's adherence to federal, investorand company guidelinesReview and analyze special conditions, loan deficiencies and exception requests to determineappropriate course of actionReview and evaluate loan data to determine loan viability, identify risk issues and potentialfraudEnsure loan document accuracy, completeness and sufficiency to clear all conditions for finalapproval within delegated authorityIdentify and recommend alternatives regarding loan structuring and financial solutions Show less
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Operations Team Lead/ Loan Partner
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Jun 2018 - Feb 2021
Assisted borrowers in completing mortgage loan application and obtained documentation forprocessing and underwritingDetermined loan eligibility and loan structure by reviewing a borrower's credit history,employment profile, assets and documentations providedIssued accurate loan disclosures, including Loan Estimate and Closing Disclosures in a timelymannerServed as the main contact with borrowers throughout the home loan, maintainingcommunication regarding next steps, documents needed and loan understandingCreative solutions to loan issues and restructuring as needed to ensure continued eligibilityManaged a pipeline of up to 50 loans, meeting all deadlines and close datesCreated and implemented SMP Loan Partner Training ProgramA collaborative team member throughout the loan process, maintaining communication withloan officers, loan processors, underwriters, title company's, insurance agencies, closers,realtors and borrowers Show less
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America First Credit Union
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United States
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Financial Services
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700 & Above Employee
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Mortgage Loan Originator
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Jan 2015 - Jun 2018
Assisted borrowers in completing mortgage loan application and obtained documentation for processing and underwriting Verified initial loan fees were accurate upon disclosure and ensured all disclosures throughout the process were timely Maintained contact with the borrower throughout the process, keeping them apprised of key information and overall mortgage decisions Reviewed appraisal reports for accuracy and credibility. Verified that a supportable opinion of market value was determined using sound methods and acceptable comparable sales Assisted in creating mortgage reports for management review Show less
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Education
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Weber State University