Ramya C

Experienced mortgage professional with 4 years of expertise in the U.S. mortgage industry, specializing in Post-Closing, FNMA, and GNMA processes. Skilled in reviewing and validating closing packages, ensuring data accuracy, loan compliance, and timely delivery to investors and agencies. Proven ability to work efficiently in fast-paced environments, maintain 100% compliance, and meet tight investor deadlines with accuracy and attention to detail.

US Mortgage Process Associate at Flat World Mortgage Processing Private Limited (2023-01 – Present)

• Review and validate post-closing loan files as per FNMA, GNMA, and Investor guidelines.
• Ensure accurate UCD (Uniform Closing Dataset) submission and resolve validation errors.
• Perform stacking, indexing, and delivery of final packages to investors/aggregators.
• Coordinate with internal teams to clear post-closing conditions and ensure timely loan purchase.
• Maintain quality, compliance, and accuracy in all investor submissions and reports.
• Maintaining the daily production report.

Post-Closing Specialist at Flat World Mortgage Processing Private Limited

• Processing of real estate Loan – Conventional, FHA, VA and USDA.
• Receive the closed loan package from the closing or funding department.
• Review the file for accuracy and completeness, including: Note and mortgage/deed of trust, Final Closing Disclosure (CD), Title policy and insurance, Recorded documents (when available)Final 1003, AUS findings, and appraisal etc.
• Ensure all signatures, dates, and notary acknowledgments are correct.
• Confirm that loan data in LOS (Loan Origination System) matches documents.
• Track and obtain any missing trailing documents (recorded mortgage, final title policy, etc.)
• Upload and deliver loan files to investors or agencies within required timeframes.
• Accurately entered borrower and loan details in Excel sheets to support post-closing review and investor delivery processes.
• Maintaining Daily Production Report, Monthly Report and Team Quality Report.

Post-Closing Specialist at Freedom Mortgage (2020-01 – 2022-12)

• Processing of real estate Loan – Conventional, FHA, VA and USDA.
• Receive the closed loan package from the closing or funding department.
• Review the file for accuracy and completeness, including: Note and mortgage/deed of trust, Final Closing Disclosure (CD), Title policy and insurance, Recorded documents (when available)Final 1003, AUS findings, and appraisal etc.
• Ensure all signatures, dates, and notary acknowledgments are correct.
• Confirm that loan data in LOS (Loan Origination System) matches documents.
• Track and obtain any missing trailing documents (recorded mortgage, final title policy, etc.)
• Upload and deliver loan files to investors or agencies within required timeframes.
• Accurately entered borrower and loan details in Excel sheets to support post-closing review and investor delivery processes.
• Maintaining Daily Production Report, Monthly Report and Team Quality Report.

Bachelor's of Commerce – B.E.S Degree College Bangalore University (2019-01)