What are the responsibilities and job description for the Mortgage Loan Originator position at Home Financing Center, Inc.?
Company Description Home Financing Center, Inc., founded in 1984, is the largest independently owned and operated mortgage lender in South Florida. The company has closed more than $3 billion in mortgages and continues to grow its market share through consistent, service-focused lending across changing real estate cycles. Known for responsible lending practices, Home Financing Center emphasizes matching each customer with an appropriate mortgage product, supported by personal service and technology innovation, including early adoption of online applications and approvals. The organization maintains strong relationships with FHA, VA, Fannie Mae (Preferred Lender), Freddie Mac, and Ginnie Mae, enabling faster responses and competitive rates. With local loan servicing, partnerships with employers, credit unions, and community banks, and a focus on financial stability, the company is a growing force in the Florida mortgage market.
Role Description This is a full-time hybrid role based in Miami, FL, with flexibility for some work-from-home days. The Mortgage Loan Originator will manage the end-to-end loan origination process, including prospecting and qualifying borrowers, gathering financial documentation, and recommending appropriate mortgage products. This role will guide customers through application, pre-qualification, and approval, clearly explaining loan terms, rates, and conditions while ensuring compliance with lending regulations and company policies. The Mortgage Loan Originator will collaborate closely with underwriting, processing, and closing teams to move files efficiently from application to funding and resolve documentation or credit issues. Daily activities also include building and maintaining relationships with real estate professionals, community partners, and referral sources, and using CRM and loan origination systems to track pipeline activity and meet production goals.
Qualifications
- Demonstrated expertise in Mortgage Lending and Loans, with a strong understanding of conventional and government-backed products.
- Proven experience in Loan Origination, including prospecting, application intake, and managing a pipeline to closing.
- Familiarity with Underwriting guidelines and documentation requirements to structure viable and compliant loan files.
- Solid foundation in Finance, including ability to analyze income, assets, credit, and debt-to-income ratios.
- Active state mortgage loan originator (MLO) license and NMLS registration, or eligibility to obtain them within 60 days of hiring.
- Strong customer service, communication, and relationship-building skills with diverse borrowers and referral partners.
- Proficiency with loan origination software, online application tools, and standard office productivity applications.
- Ability to work on-site in Miami, FL in a hybrid schedule, manage multiple files, and meet deadlines in a fast-paced environment.
- Prior experience in residential mortgage lending, banking, or financial services preferred
- Bachelor’s degree in Finance, Business, Real Estate, or a related field preferred