Posts Tagged ‘ loan officers ’

Does the Managing VP in a MTG Brokerage have to a DRE license in California?

February 13, 2011

Does the Managing VP in a MTG Brokerage have to a DRE license in California?

I work in a mortgage brokerage and mortgage bank in California and have found out that the managing VP (who is in charge of the loan officers) has an expired license and has not renewed it in more then 10 years!

What stricks me as odd is the fact that the company requires all assistants to the loan officers to have a license yet HE doesn’t!!!!! We have a mortgage bank—and when an underwriter refuses to clear a condition HE has the authority to override anything. Second, I hear him talking about rates to clients on behalf of the loan rep. There is something going on.

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Still think the mortgage crisis is solely the fault of the borrower or Congress? What about WaMu?

February 13, 2011

According to a Senate Report released today, Washington Mutual, one of the largest originators and purchasers of adjustable rate mortgages, did the following things during the "boom years" of 2006 and 2007:

*Sales associates in WaMu offices in California fabricated loan documents, cutting and pasting false names on borrowers’ bank statements.

*Two top producing offices — in Downey and Montebello, Calif. — had levels of fraud exceeding 58 percent and 83 percent of the loans.

*Extra bonuses went to loan officers who overcharged borrowers on their loans or levied stiff penalties for prepayment.

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