Kelvin Carvana

About Kelvin Carvana

Expert in self sources mortgage business, originating, and closing residential…

Experience

1. VP Lending

   GoRascal

   Dec 2014 — Present · Chevy Chase, MD, US

   Originating residential mortgage loans according to established policies and procedures to ensure regulatory compliance including but not limited to: self sources mortgage business, originating, disclosing, and closing residential purchase and refinance loans, disclose mortgage loan applications in accordance to TRID guidelines. Demonstrated understanding of mortgage processing, underwriting and closing procedures. Expert Knowledge of Conventional, FHA, VA, HELOC, Construction to Perm, FHA 203(k) and Fannie HomeStyle Renovation Mortgage, HECM, Sweep Account and guidelines. Order title, homeowner mortgagee clause, appraisal request, as well as, renegotiate, restructure, redisclose and reprice change of circumstance as a result of underwriting decisions. Manage and oversee pricing to meet company profitability requirements; pricing engines used are MorTech and Optimal Blue. Manage and oversee determining file directional underwriting options; Brokering, Non Delegated and Delegated Underwriting. Possess, a firm Understanding of Federal Regulations governing Real Estate Lending HMDA (Reg C), RESPA/CRESPA (Reg X), ECOA (Reg B) and TILA (Reg Z), Gramm-Leach-Bliley Act (GLBA - Reg P), as well as, DAP base on the various DMV municipalities and borrowers qualification requirements Plan, organize and conduct Partnership presentation lunch and learn for subjects such as: Understanding your credit and Down Payment Assistance. Meet and exceed sales goals by 150%.