Nancy Claibourn has over 15 years of experience as a mortgage loan processor and asset manager. She has processed conventional, FHA, and VA loans and is knowledgeable about FNMA and FHLMC guidelines. Her most recent role was as a loan processor at Caliber Home Loans where she processed loans, obtained documentation, and coordinated with underwriting. Prior to that, she held similar processing roles at several banks and mortgage companies.

1. Nancy Claibourn
3747 Citrus Street
La Mesa, CA 91941
619-490-5961
adejha1@yahoo.com
SUMMARY OF QUALIFICATIONS
I have an excellent understanding of all areas of the mortgage loan industry processing
experience for Conventional, FHA and VA loans, and am familiar with all FNMA and FHLMC
guidelines. I possess good communication skills, strong organizational skills and the ability to
prioritize.
EMPLOYMENT
5/15-Present Caliber Home Loans- Loan Processor
• Process Conventional, FHA and VA mortgage loans for both purchase and refinance
transactions.
• Direct contact with borrowers/loan officer to obtain required documentation for
underwriting.
• Pre-underwriting tasks, which include review of all submitted documents to ensure
package is complete
• Submit loans to underwriting for review via H20
• Review credit reports; analyze asset and income documentation.
• Complete COC's, send out updated disclosures
• Request CD's for closing, request doc request from closing
• Work with borrowers/loan officer to obtain underwriting conditions
• Coordinate with escrow, title
• Work with real estate agents on purchase transactions; review contracts and follow-up on
additional conditions, such as termite reports and other disclosures required for
underwriting.
10/14-05/15 Insignia Bank- Retail/Wholesale Loan Processor
• Review incoming loans into the processing department for missing documentation
• Prepare necessary disclosures for Changes of Circumstance
• Order appraisals, Flood Certificates, Transcripts, Lexis Nexis reports(background check)
• Work with title/escrow companies for closings in and out of state
• Review information obtained from loan officers for accuracy and completeness
• Submit loans to secondary for approvals
• Review loan decisions-portfolio and secondary and prepare loans for closing

2. • Responsible for communicating to both the borrower(s)/loan officers underwriting
conditions
• Prepare wire request for secondary closings
• Upload and ship documents to secondary to ensure all loans will be reviewed for final
purchase of loans
• Register loans on MERS website
• Prepare NOA letters on denied, withdrawn and incomplete files
08/14-10/14 JCIII- Post Closing Specialist-Contract
• Review and cure exceptions related to mortgages, assignments, corrective
assignments, lost assignment affidavits, rescissions, notes, title policies and
CEMA/Co-op docs
• Validate, prepare and execute assignments including correctives, lost assignment
affidavits and rescissions
• Interpret data/imaged documents in Ivault, Federated Research, county websites,
MERS and other third party sites and internal/purchaser collateral exception
reports
• Interpret title searches, research and complete assignments chains, identify breaks
in chain, communicate findings and/or cure to investors and to the Chase team
members
• Engage Custody and/or Legal to determine best method to cure assignment chain
breaks and update exception detail as needed
• Work with assigned vendors to review and provide feedback on inaccurate
assignments and status; follow up to ensure timely resolution
01/13-12/13 Everbank-Loan Processor
• Reviewed information obtained from loan officers/loan officers assistants for accuracy
and completeness
• Obtained additional documentation needed from all sources
• Pulled DU/LP findings
• Submitted loans to underwriting through Encompass-paperless system
• Obtained underwriter loan decisions/ approval and closing conditions
• Verified credit and title had been opened and/or ordered for all files within pipeline
• Ordered all appraisals via website
• Followed up with all third party vendors (appraisals, credit and title)
• Collected, verified and analyzed all documentation required for submitting files to
Underwriting
• Responsible for communicating underwriting conditions to both the borrower(s) /loan
officers/loan officer assistants
2/10-01/13 JP Morgan Chase, REO Asset Specialist – Pre-Marketing

3. • Managed an assigned portfolio of 200 REO properties for all pre-marketing tasks,
including vacancy verifications, re-key, initial services, repairs and property valuation.
• Worked with eviction attorneys through eviction process, offers of cash-for-keys,
coordination of lockouts
• Close contact with Vendors to maintain and cure any city code violations due to property
maintenance/damage saving company excessive fees
• Developed and maintained working relationships with Vendors, foreclosure attorneys,
closing companies(escrow), title companies and other departments within Chase, e.g.
Foreclosure, Bankruptcy, Loss Mitigation
• Interpret data/imaged documents in Ivault and MSP sites
• Resolved complex title issues related to closing
• Reviewed exception reports and performed research to respond to audit requests
03/08 - 02/10 JP Morgan Chase, REO Closing Specialist
• Managed an assigned portfolio of over 200 REO properties under contract
• Developed and maintained working relationships with Suppliers, closing companies
(escrow), title companies, real estate brokers and closing attorneys
• Reviewed Deeds to ensure compliance with internal investor guidelines
• Monitored closings to ensure all necessary documents were provided and executed
properly as well as reviewed HUD-1 Settlement statements for accuracy
• Resolved complex escrow and title issues with attorneys, title companies and escrow
11/07-3/08 Field Asset Service, Customer Service
• Data entry for new bids/code violations
• Entered city code violations
• Updated Excel Spreadsheet/LPS site for properties with repairs completed
• Verified contracts with agents
• Contact with City Officials to cure code violations saving company excessive fees
2/07-5/07 1st New England Mortgage, Loan Processor
• Processed conventional mortgage loans from initial contact with borrower/loan officer
through underwriting – both purchase and refinance transactions.
• Direct contact with borrowers to obtain required documentation for underwriting.
• Pre-underwriting tasks, which included review of all submitted documents to ensure
package was complete.
• Ran and reviewed credit reports; analyzed asset and income documentation.
• Prepared and sent out Good Faith Estimates, Reg Z and other required disclosure
documents.
• Prepared submission package for underwriting.
• Worked with borrower/loan office to obtain underwriting conditions

4. • Coordinated escrow, title and appraisals.
• Worked with real estate brokers on purchase transactions; reviewed contracts and
followed up on additional conditions, such as termite reports and other disclosures
required for underwriting.
REFERENCES / EDUCATION / PROFESSIONAL DEVELOPMENT - Upon
Request