Heather Brunswick

WORK HISTORY

EDUCATION

ABOUT HEATHER BRUNSWICK

Knowledge and Expertise in all Renovation products such as FHA 203k (Limited and Standard), Homestyle, and VA renovation. With product knowledge including Maximum Mortgage Worksheet set up, all Contractor documents per program requirements, Consultant SOR, and all fees associated with the loan programs. Guideline knowledge in FHA 203k (Limited and Standard), VA Reno, Homestyle and Construction to Perm. Underwriting knowledge in Down payment assistance programs following state and assistance program guidelines depending on program selection, Energy Efficient Mortgages, Mortgage Credit Certificates, New Construction (FHA, VA, Conventional), Escrow holdback, HomeReady, HUD Homes and foreclosed property purchases, VHDA, NCHFA and good neighbor next door transaction purchases. Extensive knowledge in Desktop Underwriter and Loan Prospector. Specialized expertise in operation servicing, foreclosure, bankruptcy, and collections of non-performing mortgage loans. Able to fully analyze credit with following guidelines as required.Knowledge and experience in reviewing tax returns and corporation returns.Ability to calculate all income types such as W-2, Commission, Self employment (Sch C and All Corporation) and calculating and analyzing household income. Following all guidelines as required.Knowledge in appraisal underwriting with the ability to fully analyze an appraisal report for FHA, VA, and Conventional with a DE and SAR.Extensive years in customer services with a helpful and positive attitude.