Joe Higareda

Experience

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  Orange County ARC

  Jan 1997 - Jan 2003

  Bilingual Client Rehab Support Counselor

  A non-profit organization that trains and supports adult developmental disabled associates to work in manufacturing and retail environments (clients). Responsibilities included but not limited to: Coached and trained the associates to meet the client’s specific needs. Reason for leaving: job opportunity.

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  Option One Mortgage /AHMSI

  Jan 2003 - Jan 2009

  Servicing / Bond Shipper

  A mortgage services company that guides and assists lenders and customers through various options, eligible services, questions and complaints related to their loan and/or loan application. Responsibilities included but not limited to: Researching borrower complaints or requests due to the misapplications of payments, escrow funding, automatic payments setups or escrow refunds. Assist with other duties to include sorting, reading, identifying, date stamping and tasking incoming mail or fax request by borrowers. Assist with Spanish correspondences from borrower’s who are in need of assistance in regards to their loans. Provide telephone back up coverage for the customer service department when required. Received payments from borrowers and log it on a spreadsheet and forward to cashiering to be post, Image Documents. Assist with other administrative duties per supervisor request. Stack purchase loans according to investors checklist, make copies of forward (stack) files for department records, sent stack file by Via UPS and track the files destination, stay on top of investor files an see if the loan has been purchase if not ask for suspense on what is missing before purchase deadline, Created a spread sheet of all sent files and update on a daily basic on system. Experienced case manager that is detail oriented. Familiar with computer programs such as Fidelity, LSAMS, Alltel, Prospect, Microsoft Word, Excel, Power Point, and Outlook, UPS. Reason for leaving: company-wide layoff Show less

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  Option One Mortgage

  Jan 2003 - Jan 2009

  Servicing
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  American Home Mortgage Servicing

  Nov 2003 - Jan 2010

  • servicing

    Jan 2003 - Jan 2010

  • Loan Administrative Specialist

    Nov 2003 - Jun 2009
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  Icon Residential Lenders

  Sept 2010 - Oct 2013

  Exhibit observable sense of urgency in the execution of all job functions and duties.Meet or exceed the company levels of customer service delivery.Oversee daily shipping operations for Icon Residential.Ensure credit packages are delivered to investor within expiration dates and collateral is certified within 24 hours of release.Oversee the daily pick up/delivery of closed loans from funding department on pre-arranged schedule.Assign files for shipping. Reconcile Not Shipped Report:Files received versus files in closed status on reportAged loans in shipping including files with collateral sentReconcile loans shipped report to loans received report form investor Ship a determined number of loan files per day.Provide training for new hires and coaching/development for existing staff.Oversee collateral storage in fire safe cabinet.Oversee shipment of collateral to custodians.Download and reconcile reports from custodian, clear exceptionsUpload of servicing packages to sub-servicer (Dovernmuehle). Liaison to DMI for missing documents and document cures.Execute audit checklist of all files received from Funding Department in an accurate, efficient and timely mannerPerform other duties as assigned Show less

  • Post Closing

    Sept 2010 - Oct 2013

  • Shipping

    Sept 2010 - Oct 2013
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  HomeBridge Wholesale

  Oct 2013 - Aug 2020

  Senior Funder/Closer

  Responsibilities and Essential Functions:• Draw final loan documents and inputs all data into Loan Operating System to generate loan documents• Review loan file resolving any discrepancies prior to doc release• Coordinate with Account Managers and Underwriters to have issues resolved within Loan Operating System and documents uploaded to Loan Imaging Platform• Ensure docs drawn meet set standards for completeness, accuracy and compliance• Run all state/federal high cost tests• Pull a Patriot Search prior to doc release• Proactively monitors closings scheduled and assigned to ensure documents are released in a timely manner and as indicated in the closing confirmation• Respond to Broker and Account Executive inquiries regarding specific conditions and facilitate elevations regarding conditions to the proper areas as needKnowledge, Skills and Abilities:• Ability to communicate effectively and professionally, both verbally and in writing• Ability to adapt to and understand Conventional, FHA, VA, Mini Banker, Jumbo, Home Style and USDA processing guidelines• Working knowledge of RESPA, TRID, Reg-Z, MDIA and related compliance guidelines, along with the ability to detect and rectify deficiencies and/or non-compliance on specific loans• Ability to organize, prioritize workload, meet deadlines and handle detailed assignments• Excellent level of interpersonal skills and customer service skills Show less

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  Change Home Mortgage

  Aug 2020 - now

  Authorizing and Underwriting loans.Reviewing and verifying loan application and supporting documents.Analyzing loan risks and requesting additional information as necessary.Preparing reports on assessment findings.Making Loan Eligibility decision and approving or rejecting applications.Reviewing and specifying loan condition, as necessary.Evaluate loans application and verification of employment and deposit, credit report, etc., to determine credit worthiness.Ensuring compliance with regulatory standardsUnderwrite Correspondent loans including: Conventional, NON-QM, Jumbo, Constructions in accordance with Government Regulations and private investors guidelines, ensuring the loans are of investment quality and eligible for sale on the Secondary market.Maintain and respond to correspondent email questions within 24hrsUnderwrite are expected to underwrite condition 4 files per day.Other duties as assigned. Show less Responsibilities and Essential Functions:• Draw final loan documents and inputs all data into Loan Operating System to generate loan documents• Review loan file resolving any discrepancies prior to doc release• Coordinate with Processor and Underwriters to have issues resolved within Loan Operating System and documents uploaded to Loan Imaging Platform• Ensure docs drawn meet set standards for completeness, accuracy and compliance• Run all state/federal high cost tests• Pull a Patriot Search prior to doc release• Proactively monitors closings scheduled and assigned to ensure documents are released in a timely manner and as indicated in the closing confirmation• Respond to Escrow/Title and Processor inquiries regarding specific conditions and facilitate elevations regarding conditions to the proper areas as needKnowledge, Skills and Abilities:• Ability to communicate effectively and professionally, both verbally and in writing• Ability to adapt to and understand Conventional, FHA, VA, Mini Banker, Jumbo, Home Style and USDA processing guidelines• Working knowledge of RESPA, TRID, Reg-Z, MDIA and related compliance guidelines, along with the ability to detect and rectify deficiencies and/or non-compliance on specific loans• Ability to organize, prioritize workload, meet deadlines and handle detailed assignments• Excellent level of interpersonal skills and customer service skills Show less

  • Jr Underwriter

    Mar 2022 - now

  • Funder/Closer

    Aug 2020 - Mar 2022