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Loan Processor
education completed:
some college
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Lupe Perez
Mission Viejo, Ca 92692
PROFESSIONAL SUMMARY
Highly accomplished Senior Mortgage Loan Processor with over 20 years of mortgage industry depth and 14+ years of specialized loan processing experience. Demonstrated expertise managing extensive, high-volume residential, commercial, and private credit pipelines from initial setup through closing and funding. Highly skilled in an extensive array of loan products—including Conventional, FHA, VA, Non-QM, DSCR, Hard Money, HELOC, and HECM programs. Expert user of advanced Loan Origination Systems (LOS) including Encompass, Calyx Point, and Arive, combined with precision pricing using LoanSifter. A bilingual (English/Spanish) operational leader recognized for exceptional attention to detail, rigorous compliance control, and maintaining top-tier customer service relationships.
CORE EXPERTISE & TECHNICAL SKILLS
• Loan Origination Systems (LOS): Encompass, Calyx Point,
Arive, Desktop Underwriter (DU), Loan Product Advisor (LP)
• Pricing & Optimization Tools: LoanSifter, Optimal Blue
• Loan Programs: Conventional, FHA, VA, Non-Conventional,
Non-QM, DSCR, HECM, Hard Money, HELOC, Stated
Income, Conforming & Non-Conforming
• Compliance & Disclosure: TRID Compliance, Loan Estimates (LE), Closing Disclosures (CD), Change of
Circumstances (COC), HMDA Reporting
• Core Operational Skills: Financial Data Analysis, Comprehensive Income/Asset Calculation (W2 & P&L), Title & Escrow Management, Appraisal Review, Employment Verification (VOE/VOM), Condition Clearing
• Languages: Bilingual (Fluent in English & Spanish)
PROFESSIONAL EXPERIENCE Senior Mortgage Loan Processor iApprove Mortgage 01-2026 – Present
• Execute comprehensive end-to-end processing management for a diverse pipeline of residential, Non-QM, and niche private credit loan files, consistently accelerating time-to-close metrics.
• Review detailed application packages for compliance and completeness, evaluating borrower credit, complex asset configurations, tax returns, and corporate P&L statements prior to underwriter submission.
• Calculate exact income profiles, debt-to-income (DTI) ratios, and loan-to-value (LTV) limits to determine strict funds-to-close verification.
• Prepare and issue TRID-compliant initial disclosures, Loan Estimates (LE), and time-sensitive Change of Circumstances (COCs) on behalf of Mortgage Loan Originators.
• Drive pipeline milestones by ordering and reviewing title commitments, escrow instructions, property appraisals, hazard insurance policies (HOI), and verification of employment/mortgage (VOE/VOM).
• Proactively clear complex underwriting and funding conditions within target lock-delivery constraints,
coordinating effectively with underwriter pods and closing
desks.
• Maintain real-time automated updates within Encompass
and Calyx Point systems, ensuring immaculate audit trails,
clear conversation logs, and precise lock expiration
tracking.
• Champion exceptional client service standards,
providing high-touch pipeline updates twice weekly via
phone and text to buyers, real estate partners, and lenders.
• Administer regulatory compliance documentation,
managing commitment letters, notices of incompleteness, and regulatory declinations to satisfy HMDA reporting standards.
Mortgage Loan Processor / Loan Specialist
• 1stVeteran Mortgage 03-02-2018 to Dec 2025 •
• pipeline of 50+ loan files, effectively processing FHA, VA,
Conventional, and specialized investor DSCR loans.
• Utilized LoanSifter to price and strategically place loans,
identifying the optimal market outlets for non-conforming
and alternative lending scenarios.
• Liaised seamlessly with escrow teams, title officers, and field appraisers to resolve line-item title defects and structural valuation delays.
• Leveraged bilingual capabilities to translate complex structural lending concepts, supporting a diverse borrower base and improving pull-through ratios.
• Conducted preliminary reviews of credit files, validating automated underwriting system (AUS) findings across Desktop Underwriter (DU) and Loan Product Advisor (LP).
Mortgage Loan Processor / Loan Specialist Emortgage Capital Inc. 02-03-2012 to 07-02-2018
• Execute comprehensive end-to-end processing management for a diverse pipeline of residential, Non-QM, and niche private credit loan files, consistently accelerating time-to-close metrics.
• Review detailed application packages for compliance and completeness, evaluating borrower credit, complex asset configurations, tax returns, and corporate P&L statements prior to underwriter submission.
• Calculate exact income profiles, debt-to-income (DTI) ratios, and loan-to-value (LTV) limits to determine strict funds-to-close verification.
• Prepare and issue TRID-compliant initial disclosures, Loan Estimates (LE), and time-sensitive Change of Circumstances (COCs) on behalf of Mortgage Loan Originators.
• Drive pipeline milestones by ordering and reviewing title commitments, escrow instructions, property appraisals, hazard insurance policies (HOI), and verification of employment/mortgage (VOE/VOM).
• Proactively clear complex underwriting and funding conditions within target lock-delivery constraints, coordinating effectively with underwriter pods and closing desks.
• Maintain real-time automated updates within Encompass and Calyx Point systems, ensuring immaculate audit trails,
Bilingual: Spanish and English.
- Principals only. Recruiters, please don't contact this poster.