Gina Galvan
Daly City,CA
Summary
Results-driven Mortgage Broker and Underwriter with extensive experience in loan processing, underwriting, compliance, and conversationally bi-lingual in Spanish. Adept at credit analysis, loan approvals, and managing a pipeline while working with clients. Served on the board of several non-profits, assisting lower-income borrowers with home purchases. A strong ability to speak to large groups of people.
Overview
17
17
years of professional experience
1
1
Certification
Work History
Mortgage Broker/Processor
Valleyheart Mortgage
01.2005 - 01.2022
- Conducted thorough credit and income analysis, reviewing federal and state tax returns.
- Ensured compliance with TRID disclosures and regulatory guidelines.
- Verified employment and deposit information, analyzing layered risk, income, and title encumbrances.
- Evaluated appraisals and lending guidelines to determine loan eligibility.
- Procured missing documentation related to income, title, appraisals, assets, and liabilities.
- Ordered and managed third-party services including EOI, CPL, title supplements, and payoffs.
- Cleared loan conditions, reconciled Closing Disclosures (CDs), and settlement statements.
- Provided expert guidance to borrowers, educating them on loan options and navigating the escrow process.
- Managed a high-volume pipeline while ensuring smooth client expectations throughout the closing process.
- Owner
Underwriter
Get A Rate Mortgage
08.2020 - 08.2021
- Underwrite conventional loans using LP and DU via Encompass software.
- Managed and evaluated a pipeline of 60–80 loans, underwriting 50+ loans per month.
- Assessed income calculations, loan documentation, credit reports, and title analysis.
- Processed both purchase and refinance loans across CA, NJ, FL, and GA.
- Liaised with loan officers and processors, providing clear communication on underwriting guidelines.
- Assisted in training processors in reviewing complex documents, including Solar, Covid Forbearance, UCC filings, and HELOCs.
Skills
- Comfortable speaking to large crowds
- Strong technology background with expertise in Encompass, Microsoft Office, and Adobe Acrobat Professional
- Bilingual in Spanish, fostering strong connections within the community
- Excellent organizational skills and ability to handle high-volume loan processing with accuracy
Accomplishments
- Board of Directors, NAHREP MSELA Chapter (2010 – 2015)
- Marketing Director, NAHREP National Conference (2013)
- Committee Member, NAHREP National Conference (2012)
- Featured Broker, RES.NET Marketing Campaign for Five Star (2012)
- Board of Directors, AREAA GLA (2011)
Certification
CA DRE REAL ESTATE BROKER
CA DRE MORTGAGE BROKER
Languages
Spanish
Professional Working
Timeline
Underwriter
Get A Rate Mortgage
08.2020 - 08.2021
Mortgage Broker/Processor
Valleyheart Mortgage
01.2005 - 01.2022
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