Kelvin Koma

Mortgage financing and closing professional who has worked both sides of the loan: structuring residential financing and qualifying borrowers at PERL Mortgage, then personally executing 2,400+ closings as a contract escrow officer. Works each file backward from funding, identifying dependencies and open conditions early and owning the outcome. Seeking to apply that foundation to fix-and-flip, DSCR, bridge, and construction loan processing.

Contract Escrow Officer (Independent Contractor) at Proper Title (2019-05 – Present)

• Sustained production: Personally completed 2,400+ real estate closings through February 2026, including approximately 486 in calendar year 2025 — primarily residential purchase and refinance transactions, with exposure to commercial closings.
• Funding-dependency control: Work each file backward from funding, reconciling payoffs, settlement statements, title requirements, and lender closing instructions so deficiencies surface before they delay disbursement.
• Pipeline command: Run overlapping closings through time-blocked scheduling and deadline-driven prioritization, tracking open conditions, outstanding documents, and each party’s next action; re-sequence quickly when figures or instructions change.
• Stakeholder coordination: Working point of contact for attorneys, lenders, loan officers, buyers, and sellers; resolve last-minute document corrections and funding exceptions through prompt, organized communication.
• Independent execution: Contract escrow officer since 2019, owning scheduling, file execution, and professional relationships without day-to-day direction; output is measured in completed transactions.

Loan Officer / Mortgage Production Support at PERL Mortgage (2015-06 – 2019-04)

• Loan structuring: Personally structured residential mortgage financing scenarios, evaluating borrower credit, income, liabilities, DTI, and LTV against lender program requirements to identify workable financing options.
• Qualification & documentation: Worked with borrower documentation and participated in qualification and underwriting coordination, gaining a working understanding of how structure, documentation, and lender conditions determine whether a financing can close.
• Team production: Contributed to a producing lending team that supported approximately 550 completed mortgage transactions.

Personal Banker at BMO Harris Bank (2014-07 – 2015-06)

• Maintained customer relationships and financial documentation in a banking environment, with emphasis on accuracy, confidentiality, and adherence to banking operations procedures.

Associate Degree – Oakton College (2004-12)