1. Tammie A. Vermilio
2303 North Imperial Path Lane Spring, Texas 77386 · (281) 292-7112
PROFESSIONAL EXPERIENCE
Stonegate Mortgage Corporation, Houston, Texas 9/2014-10/2015
Senior Loan Processor
 Responsible for processing VA, FHA, USDA, Conventional, and Texas Cash Out loans.
 Responsible for ordering title work, appraisals, 4506T transcripts, flood certifications and verification of
employment.
 Interact with borrowers on a daily basis to obtain documentation to prepare the file for underwriting.
 Clear all underwriting conditions prior to closing.
 Provide timely communication with loan officers to provide status and updates on their loans.
 Proficient in utilizing both E3 and Encompass software to process loans
Gateway Mortgage Group, Dallas, Texas 6/2011-12/2013
Senior Loan Processor
 Processed VA, FHA, USDA, Conventional, and Texas Cash Out Loans.
 Responsible for ordering title work, appraisals, 4506T transcripts, flood certifications and verification of
employment.
 Interfaced with borrowers on a daily basis and obtained assets and income documentation to prepare the file
for underwriting.
 Cleared all underwriting conditions prior to closing.
 Provided service by addressing borrower’s concerns and questions.
 Communicated with loan officers on a daily basis to provide them with up to date information pertaining to their
loans and addressing any concerns the borrower may have had.
 Collaborated with loan officers to structure loans, answer questions on programs, and clarify guidelines.
 Scheduled closing dates and times between borrowers and title companies.
NTFN Mortgage, DBA, North American Mortgage, Houston, Texas 2/2007 –1/2011
Senior Loan Processor
 Responsible for loan set-up in an accurate and timely manner including ordering title work, appraisals, 4506T
transcripts, flood certifications, and verification of employment.
 Interfaced with borrowers on a daily basis obtaining income documentation and asset documentation in order
to prepare the file for underwriting.
 Cleared all underwriting conditions prior to closing
 Dealt with borrower’s questions and concerns on a daily basis in order to provide optimal service.
 Communicated with loan offers on a daily basis to provide them with up to date information pertaining to their
loans and addressing any concerns the borrower may have had
 Worked with loan officers on structuring loans, answering questions on programs, and investor guidelines.
 Prepared the file for closing which included reviewing of the HUD, setting up date and time with the title
company and the borrower, preparation of the loan officers fee sheet, and completing a final verification of
employment
 Processed Conventional, VA, FHA, and Texas Cash- Out loans.

2. Countrywide Home Loans, Dallas, Texas 1/2003 – 2/2005
Processor/Funderwriter; Retail
 Actively handled the loan by advancing the loan from set up to final shipping.
 Responsible for loan set-up in an accurate and timely manner including ordering title work, appraisals, and flood
certifications
 Interface with borrowers on a daily basis to obtain disclosures and the necessary documentation to prepare the
file for underwriting.
 Managed borrows expectations by corresponding with them daily and answering all questions and concerns
pertinent to their loan.
 Cleared all underwriting conditions prior to closing.
 Communicated with loan offers on a daily basis to provide them with up to date information
 Prepared the file for closing which included: working with the title company on the preparation of the HUD,
setting up closing dates and times with the title company, preparing the documentation for the attorneys, and
authorized the funding of the loan.
 Shipped collateral and the loan file to the corporate office.
Countrywide Home Loans, Dallas, Texas 11/2001 – 1/2003
Level One Underwriter, Wholesale
 Responsible for the accurate and timely underwriting for all mortgage loans originated by mortgage brokers in
the Dallas Metropolitan Area
 Underwrote loans including Fast and Easy, Stated Income Stated Assets, No income, No Assets, Reduced
documentation Expanded Criteria, No Ratio, Full Documentation, Refinance Fast Track, and my community.
 Responsible for validation and verification of information stated on the application and e- approval received
from mortgage brokers in accordance with current program guidelines.
 Actively involved in responding to program questions from brokers on a daily basis
 Responsible for clearing all approval and documentation conditions prior to closing documents being drawn,
including employment verification.
 Communicated with brokers on a daily basis to expedite loan closings.
Chatham Gemstones, Dallas, Texas 8/2000 – 4/2001
Administrative Assistant to the Director of Marketing
 Responsible for inventory control of all gemstones distributed throughout the southeast region
 Processed and filled all orders of gemstones and jewelry sent from the Dallas office
 Processed all returns of jewelry and gemstones received in the Dallas office
 Responsible for sending new clients marketing information, materials, promotions, and up to date pricing lists.
 Responsible for all clerical and administrative duties in the day to day operations.
Fieldstone Mortgage Company, Dallas, Texas 4/1999 – 11/1999
Contract Employee
 Responsible for the accurate and timely set up of information for all loans originated by the southeast region.
 Responsible for the accurate preparation and timely distribution of Truth in Lending’s, Good Faith Estimates, and
other related loan disclosures.
 Ordered credit reports for all borrowers
 Interfaced with underwriters to compile audit checklist and ensure complete loan submission.
 Prepared broker packages for approval, obtained business credit reports, and verified broker references.

3.  Interfaced with loan officers to provide status on the current pipeline
 Validated office invoices for ordering and payment of office supplies
 Organized, categorized, and maintained all loan records
 Established a procedure for the transfer of loan records to off -site storage
 Packaged and shipped mortgage notes and related collateral documents to the warehouse bank.
 Interfaced with brokers to expedite loan closings.
 Verified borrower’s employment to facilitate loan closings
 Performed general administrative office functions as requested.
Chase Home Mortgage Corporation, Montvale, New Jersey 9/1981 – 8/1983
Administrative Assistant for Human Resources
 Obtained fingerprints from new employees and submitted them for background checks
 Provided new employees with orientation packages
 Provided secretarial support
 Performed general administrative duties are requested
EDUCATION
Albertus Magnus High School (Bardonia NY) –High school diploma
References Upon Request