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Scott Kowalczyk

Scott Kowalczyk


United Wholesale Mortgage

Royal oak, MI

Closer at United Wholesale Mortgage


United Wholesale Mortgage


-Qualified in FNMA, FHA, VA, USDA, HUD and RESPA policies
-Verify and update information in destiny is correct per loan approval—review all closing related loan support documents.
-Provide prep package to title company at least three hours prior to scheduled closing. Generate closing doc prep package and review for accuracy and completeness. General closing instructions, HUD 1, loan payment form, funding wire breakdown
-Effectively communicate with Title Company to obtain changes/corrections needed for HUD approval.
-Give HUD approval and forward complete documents to title company/closing agent.—review for compliance and update destiny with additional fees and payees
-Run high cost tests for compliance and work with broker to make adjustments as necessary.
-Verify borrower’s required funds for closing is within underwritings approved tolerance and meets minimum/maximum investment/down payment requirements.
-Disburse file and forward wire request to accounting.

Career medium 06

Five Brothers Default Management Solutions

Interior Inspections State Coordinator

Central Michigan University


Major: Entrepreneurship
Minor: Legal Studies

Career medium 04

State Farm Insurance


Set up Excel templates and entered extensive data into Prospector+
Accepted customer payments and complete daily banking activities
Completed pre-licensing courses for Property and casualty Insurance producer.


Soaring Eagle Casino


Learned valuable customer service skills by working in a four-diamond environment.
Trained new employees to work in a safe and polite manner.

Central Michigan University

Bachelors, Entrepreneurship, Legal Studies

Central Michigan University

Bachelor of Applied Arts, Entrepreneurship