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• Prepare NOA letters on denied, withdrawn and incomplete files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