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Sherry Bullock-Hand 4052 Wilson Lane Concord, CA 94521 Phone: (925) 687-9976 Fax: (925) 349-6901 Email: sh13463be@westpost.

net March 3, 2011 RE: Resume for Sherry Bullock-Hand

Attached you will find my resume for consideration and placement with an employe r who is in need of my experience and expertise. I understand that a resume is not intended to be a novel; however, I feel the need to elaborate on my backgrou nd in the industry as well as the contributions I can make to a potential employ er. I was with First Cal a short period of time. Due to the decrease in volum e of their Wholesale and Retail loans, a great deal of the staff, including myse lf, has been laid off. I started in the mortgage industry in 1965 while in high school. Our school pro vided a program in which students attended classes for half a day and worked to learn a particular trade, skill, or become knowledgeable in a chosen field or in dustry. I obtained a position with Tharpe & Brooks Mortgage in Athens, Georgia. I was granted a FNMA underwriter number in 1973. I received my DE CHUMS numb er in 1985. The FNMA number has since become obsolete and is not given to indiv idual underwriters. My experience allows me the opportunity to take a loan fro m origination, processing, underwriting, closing, funding, shipping to investors and insuring with FHA and guaranty with VA. I am an organized, responsible, detailed, and punctual person. I have a good se nse of humor and enjoy life. I am a firm believer in the phrase "If there is en ough time to do something over, there is enough time to do it right the first ti me". My assets include my ability to Underwrite all types of loans, especially FHA. I also have the experience to have loan approvals issued with minimal conditions . I will provide references from Wholesale Lenders as well as Loan Officers fo r whom I process and underwrite if requested. I am available immediately. My salary with First California Mortgage was $80,00 0 base annually with a bonus on loans underwritten. My salary requirements are negotiable. I am sure I can provide any potential employer with the experience and expertise they require in today's market. Thank you in advance for reviewing my qualifications.

Sherry Bullock Hand

Sherry Bullock Hand 4052 Wilson Lane, Concord, Ca. 94521 Phone (925) 687-9976 Fax: (925) 349-6901 E-Mail: sh13463be@westpost.net

12/13/2010 to 02/11/2011 First California Mortgage Company D/E Underwriter Position involved Underwriting Wholesale and Retail FHA loans. With VA U/W expe rience I was to assist with LAPP after they obtained their VA approval. Extens ive knowledge of FHA D/E requirements and investor overlays for files underwritt en for insuring. Also underwriting of conventional loans as well. 07/2008 to 12/10/2010 Residential Mortgage Center, Inc. Senior Corporate Underw riter Position involved Processing and Underwriting FHA/VA loans for various Loan Offi cers prior to submission to Wholesale Lenders. Responsible for training process ors and staff on guidelines, underwriting, and investor requirements. Volume of underwritten loans was 97% FHA/VA. 10/1999 to 07/2008 Mortgage Center of America, Inc. Senior Underwriter

Senior Underwriter and Compliance Officer. Responsible for Underwriting FHA/VA and Conventional loans from Loan Officers prior to submission to Wholesale Lend ers. Volume of FHA loans underwritten was 90%. 02/1998 to 10/1999: Diablo Funding Group iter Senior Underwr

Responsible for processing and underwriting FHA/VA and Conventional files sent t o various investors. 08/1996 to 02/1998: Hallmark Government Mortgage Inc. Operations Officer

Operations Officer for local office for Hallmark Government Mortgage, Inc. Resp onsible for setting up Processing and Underwriting of FHA/VA and Conventional lo ans. Trained processors on underwriting, corporate and investor guidelines. 08/1992 to 08/1996: Financial Network Exchange ter Operations Officer/Sr Underwri

Operations Officer and Manager for Financial Network Exchange. Trained processor s on FHA/VA and Conventional underwriting, corporate and investor guidelines for submission to Wholesale Lenders. 02/1990 to 07/1992: Ambassador Mortgage Operations Officer/Project Underwriter Set up mortgage company for local builder and obtained approval through various wholesale lenders. Responsible for loans from origination through closing with Wholesale Lenders. 03/1989 to 02/1990: National First Mortgage Corp a Div of Pittsburg Federal Sav ings Responsible for setting up Wholesale Department. Hired and trained processers a nd underwriters. Duties consisted of establishing procedures from loan set up t o funding. Formulated systems on computer for tracing and analysis of income t o department. Responsible for seminars with clients to establish a relationship and inform them of FHA/VA programs and underwriting guidelines. Worked with o ne of the nation's largest builders, Ryland Homes, to track all fundings. Accomp lished start up of a computer tracking report which showed status of each loan i n process and their total pipeline. Trained Ryland's processors on FHA/VA guide lines for underwriting.

10/1986 to 03/1989: Western Bank Mortgage Company nderwriter

Compliance Officer and U

Responsibilities included supervision of auditing department to insure all branc hes were in compliance with Federal, State, and Local regulations. Traveled to branches throughout the West for audit of branch files to insure compliance. Established compliance manual which governed all branches on compliance. Respon sible for forms within company for compliance such as disclosures, manuals, and forms. Compiled underwriting guidelines for branches to utilize. Trained proce ssors and staff on FHA/VA underwriting guidelines. Credits: Notary Public - California California Real Estate Sales License since 1981 NMLS License Number 326268 FHA Direct Endorsed Underwriter (C136) Since 1985 FNMA approved unde rwriter - Since 1973 School of Mortgage Banking - Stanford University - Course I and II Familiar with Word, Excel, Adobe 8.0, IHM (In House Mortgage) Paperless Underwri ting, Calyx/Point and Point Central/Submissions to FNMA DU/ FHLMC Loan Prospecto r/ Automated Underwriting for most Wholesale Lenders/AMC websites for appraisals /FHA Connection/Credit Bureau sites/ VA website for Certificate of Eligibility and Appraisals/Submission of Condomini um Projects for FHA Approval BUSINESS REFERENCES: Angela Kimball ICON Residential Mortgage Account Executive (925) 206-5823 Akimball@iconresidential.com Mark Vanderpool MVP Realty/Golden State Home Loans Owner/Broker (925) 890-0900 mark@gshomeloans.com Tim Mustard Discovery Appraisal Services (925) 634-4670 discoapp@comcast.net PERSONAL REFERENCES: Robin Esquivel Residential Mortgage Center Processing Supervisor (209) 456-2798 - Direct robine@rmctr.com Richard Baker Residential Mortgage Center Accountant / Internal Bookkeeping (925) 788-8303 - Direct richardb@rmctr.com Owner

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