Zach P Smith

Experience

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  Denver Home Approval

  May 2003 - Apr 2005

  Mortgage Banker
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  Pulte Mortgage

  Apr 2005 - Nov 2008

  Mortgage Loan Officer

  • Gold Member of Presidents Club, 2006, 2007, and 2008 for carrying customer satisfaction of 90% or above.• Analyzed Credit, Income and Assets to determine product suitability for mortgage financing. • One of the Top Five Loan Counselors Company wide in Sales Revenue.• Nominated for a “Top Gun” award for being a proactive team player.• Educated clients on best mortgage financing based off of credit profile and current underwriting guidelines.• Underwrote automated findings of approve/eligible loans in DU/LP.• Negotiate rates and pricing with clients in a very competitive market place.• Knowledgeable with current financial and market conditions.• Insured all appropriate disclosures sent out and explained to borrower to comply with federal regulations including Truth in Lending, RESPA, HMDA, and Regulation Z. Show less

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  Team Classic LLC - Metrobrokers

  Feb 2007 - Nov 2008

  Realtor - Broker Associate

  • Created and Developed contracts to buy and sell real estate.• Worked with clients to find real estate in the Denver metro area.• Represented buyers in facilitating their real estate transaction.• Member of the Aurora, CO. board of Realtors.

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  Zip Realty

  Nov 2008 - Feb 2009

  Realtor

  Assisted clients to buy and sell real estate in Colorado.Advised clients on appropriate asking and selling price of real estate.Received extensive sales coaching to close potential clients.

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  JPMorgan Chase

  Feb 2009 - Aug 2013

  Customer Assistant Specialist - Denver Homeownership Center

  • Assisted in the opening, maintaining, and promotion of the Denver Chase Homeownership Center• Interviewed delinquent borrowers to guide, assist, and manage expectations for Loss Mitigation Solutions including; Modifications, Forbearance, Short Sale and Deed-in-lieu.• Managed a pipeline of 140+ accounts with constant communication throughout a very tumultuous process.• Maintained highest customer service scores in office based off of independent surveys.• Used information provided from borrowers to underwrite initial trial period plans.• Scored In the top 20 percentile for year end performance review with manager.• Expert understanding of Modification process for FHA/VA, Conventional, and USDA modifications. Show less

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  Cherry Creek Mortgage

  Sept 2013 - Nov 2014

  Home Loan Specialist

  • Originated and Processed VA/FHA, Conventional, and USDA real estate loans in Nebraska and Colorado.• Pre underwrote loans prior to sending to underwriting.• Educated clients on best mortgage financing based off of credit profile and current underwriting guidelines.• Tripled loan volume in last 9 months of service.• Maintained 95% customer satisfaction rate based closing surveys.• Vast knowledge of VA/FHA, Fannie Mae, Freddie Mac underwriting guidelines.• Negotiate rates and pricing with clients in a very competitive market place.• Insured all appropriate disclosures sent out and explained to borrower to comply with federal regulations including Truth in Lending, RESPA, HMDA, and Regulation Z. Show less

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  Fairway Independent Mortgage Corporation

  Dec 2014 - Mar 2019

  Mortgage Banker

  • Adept understanding of FHA, VA, FNMA, FHLMC underwriting guidelines.• Pulled & analyzed TransUnion, Equifax, Experian credit bureaus.• Pre-qualified potential customers for refinance, purchase, and first time homebuyers.• Self motivated and worked independently to increase business.• Insured all appropriate disclosures sent out and explained to borrower to comply with federal regulations including Truth in Lending, RESPA, HMDA, and Regulation Z. FIMC NMLS# 2289 - 1720 S. Bellaire St. #1000 Denver, CO 80222 - NMLS 21934 - 720-502-3278. We are an equal housing lender Regulated by the Colorado Division of Real Estate. Show less

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  Chariot Financial

  Mar 2019 - now

  Owner

  - Wholesale Mortgage Broker- Reverse Mortgage planning- Certified instructor with Department of Regulatory Agencies. (Colorado)- Adept understanding of FHA, VA, FNMA, FHLMC underwriting guidelines. - Pull & analyze TransUnion, Equifax, Experian credit bureaus. - Pre-qualify potential customers for refinance, purchase, and first time homebuyers