1. SHEILA JACKSON
H: 732-667-7341 C: 908-361-0565 Sheilarjackson2000@yahoo.com
PROFESSIONAL SUMMARY
I have extensive knowledge of the Mortgage loan process, Preparing Title abstract reports, researching Title Issues and the Foreclosure process. Paperless computer
systems, ADC ,Perfect Practice, Black Knight, Accurint, Lenstar, JEFFISS, Charles Jones, NJACTB, DMDC Search Engines, Microsoft Excel, Microsoft Windows 8.
COMPUTER SYSTEMS KNOWLEDGE
Paperless computer systems, ADC ,Perfect Practice, Black Knight, Accurint, Lenstar, JEFFISS, Charles Jones, NJACTB, DMDC Search Engines, Microsoft Excel,
Microsoft Windows 8, SNAP CLOSE. Up to date with the new RESPA, Settlement/HUD procedures
WORK HISTORY
Title Examiner Settlement Agent Closer
8/2015 to PRESENT
Foundation Title, LLC - Roseland, NJ 07068
 File NOS (Notice of Settlement) , order deed work, survey when initial Title order is placed
 Put together Title Binder and circulate to all parties.
 Review Title Binder and address Schedule B 1 requirements and exceptions.
 Liaison to Lawyers, Lenders, surveyors and Real Estate Agents for the purpose of closing purchase and commercial loans.
 Review sale documents for the purpose of recording the new deed verifying the chain of title as recited on new deed
 Calculate taxes, water, sewer, payoff, Realty Transfer Tax, Mansion Taxes recording fees and other figures that are necessary to calculate cost to close.
 Prepare HUD settlement statement for closing, manually working up fees, per diems taxes and payoffs.
 Complete disbursement of all funds at closing
 Verify recorded documents as they pertain to mortgage, Short Sale, Commercial and REAL PROPERTY transactions
Foreclosure Specialist (Title Reader/Abstract & COP & Final Judgment Specialist), 05/2013 to Current
05/2012 to 8/2015
The Law Firm of Zucker, Goldberg & Ackerman – Mountainside, NJ 07092
 Order Title searches and Run Downs from vendors at the county level, For Single Family Homes, Multi family Homes, Condo's and Co Ops, Q Farms
and Commercial properties.
 Prepare Title Abstract report from county recorded documents pertaining to foreclosure Mortgage, Liens, Deeds, Judgments, Assignments of Mortgage,
and all documents recorded) for the purpose of the 1st Legal complaint and ensuring all paragraphs have the correct information.
 Review the chain of Title confirm Vested owner. FHLMC Two owner searches) Confirm Mortgagor, and priority of Mortgage.(Purchase money, MERS
etc.)
 Review all Assignments of Mortgage, the chain of AOM should be correct and complete.
 Review all liens included in the search- subsequent Mortgage, tax sale certificates, tax liens, UCC'S and any other recorded liens.
 Order property tax info and review.
 Order Upper Court Judgments and review them.
 Knowledge of how to read a Condo Association Master Deed, Affordable Housing Agreements,
 Walk out legal descriptions in the Mortgage, Metes and Bounds as they are found in the
Deed using tax maps, Filed Maps and address issues when the property description is wrong.
 Order and read property surveys.
 Can convert chains and Links into current measurements.
 Extensive knowledge of sub divisions as the pertain to condo's and out dated maps.
 Request and review surrogate documents.(reading wills and Codicils) as they pertain to inheritance of property being foreclosed on.
 Order Financial figures from client as to fees associated with the foreclosure process.
 Order escrow breakdowns as associated with the pay history to a certain Mortgage
 Prepare actual COP from the above stated figures.(Principal balance, Interest rate, Late charges, Advances and Escrow, Property Inspections and
Winterization.
 Review loan documents as they pertain to foreclosure (fully endorsed Note, Title Policy, Complaints chain of AOM's, Mortgage, Loan Modifications,
FFA letters(fair Foreclosure Act), NOIPQ (Notice of Intent).
 Request motions, SUB Plaintiff, Order to change caption, AOJ (Assignment of Judgment) MTR Motion to reinstate Foreclosure action) OCN (Order
Correcting Name, Dismiss Defendant's and Heirs.
 Calculate adjustable Interest rates and per Diem figures for the Certificate of Proof.
 Monitor certain documents and procedures that are date sensitive as to Foreclosure. Lis Pendens, NOI, FFA Letter, Defaults, amended Service and
complaints.
 Address Court Rejection Issues, as they pertain to COP and clarification of Financial Figures and Escrow Breakdowns.
Loan Processor
05/2010 to 05/2012
Expertivity Mortgage – Fairfield, NJ
 Direct contact between WMB, FA borrower and loan officer
 Prepare initial disclosures and loan documents to begin the loan process.
 Disclosure compliance experience and knowledge.
 Ensure all fees entered are appropriate for the program type and geographic area of the loan
 Extensive knowledge of FHA, Conventional & VA loans
 Enter loan into in house system encompass, cash AUS and DU systems
 Asses documents and clear underwriting conditions
 Asses credit score to determine scope of loan Calculate DTI and LTV also rescore loans using AUS system
 Order credit supplement and resolve other credit issues
 Secure all legal Documents if property held in TRUST
 Extensive knowledge of CIMA loans (NY Mortgage tax
 Maintain pipeline and get loans clear to close in a timely manner
Loan Processor/Underwriter
11/2009 to 05/2010
PHH Mortgage – Mount Laurel, NJ
 Direct contact between WMB, FA borrower and loan officer Collect all necessary paper work to process loan.
 Extensive knowledge of FHA, Conventional & VA loans.

2.  Enter loan into in house system encompass, cash AUS and DU systems
 Review and approve HUD 1 Settlement statements
 Asses documents using doc viewer and clear underwriting conditions
 Asses credit score to determine scope of loan Calculate DTI and LTV also rescore loans using AUS system
 Order credit supplement and resolve other credit Issues
 Secure all legal Documents if property held in TRUST
 Process all CIMA loans (NY properties)
 Review collateral documents for accuracy and completeness
 Maintain pipeline of 30 Loans, processing 7 loans daily.
Loan Processor/Underwriter
02/2007 to 11/2009
Wells Fargo Home Loans – Piscataway, NJ
 Verify all docs to make sure borrower qualifies for loan.
 Order appraisals and title clear property piece for HUD/Conventional loans.
 Process 203K renovation loans I.E. appraisals, licensed contractor work sheets, work the draw schedules as they pertain to the renovation and payment
schedule.
 Prepare and calculate max Mortgage work sheet.
 Calculate LTV, CLTV and DTI.
 Processed FHA, Conventional & VA Clear underwriting conditions.
 Price loans and assessed points paid to company and loan officer.
 Generate closing package and send via e-lynx
 Request mortgage changes to Homeowners and Flood Insurance.
 Communicate with escrow/title companies, loan originators and other parties verifying all conditions and regulatory requirements are met.
 Company liaison with settlement agent, loan officer, underwriter and processors Request disbursement of funds/ wire for closing.
Loan Processor Loan Processor
02/2004 to 02/2007
Diteck.com – Mountainside, NJ
 Verify all docs to make sure borrower qualifies for loan.
 Order appraisals and title, clear property piece for HUD/Conventional loans.
 Calculate LTV, CLTV and DTI.
 Clear underwriting conditions.
 Price loans and assessed points paid to company and loan officer.
 Maintain pipeline of 50 loans per month. And work up at least 7 files daily
 Generate closing package and send via elynax Prepare Collateral for warehousing and escrow.
 Company liaison with settlement agent, loan officer, underwriter.
 and processors.
 Continued education on current banking products and services, Initiated by Wells Fargo online
 certifications. (RESPA and other Mortgage related Laws)
Loan Processor
03/2001 to 02/2004
E Mortgage – Haddonfield, NJ
 Managed vendor and intercompany invoices and maintained invoice tracking Processed FHA, Conventional & VA (some commercial).
 Review and approve Title Commitment.
 Using In house software with regard to mortgages enter client information
 Asses credit score to determine scope of loan
 Order credit supplement and resolve other credit issues
 Order appraisals and Title and resolve title issues .
 Prepare closing package
 Calculate DTI and LTV, Assess loan officer points attached to loan
 Clear underwriting conditions
 Source all income and funds to close
 Order VOE and verify all letters of explanation.
Title Specialist
12/1999 to 03/2001
Cendant CCSSG – Mt Laurel, NJ
 Order Title for relocation clients.
 Address all issues to make the Title clear.
 Address title policy issues.
 Resolve all title issues, liens and judgments.
EDUCATION
BBA: Finance
1995 - 1998
N.Y.U. - Manhattan, NY
Bachelors degree in Finance
Did Internship at Prudential Bates Securities
Associate of Arts: Design/Fashion Buying & Merchandising
1983 - 1985
F.I.T. - Manhattan, NY
Associate Degree in Design/Buying & Merchandising
Started my own Label "PHASE 11 PRODUCTIONS" a subsidiary of the JUSTDAI, LLC