Mortgage Loan Officer

Job Overview
We are seeking a dynamic and motivated Mortgage Loan Officer to join our team and drive our mission of helping clients achieve their homeownership dreams. In this role, you will be the key point of contact for prospective borrowers, guiding them through the mortgage process with enthusiasm, transparency, and expert knowledge. Your energetic approach will empower clients to make confident financial decisions while ensuring compliance with industry regulations. This position offers an exciting opportunity to leverage your sales skills and financial expertise to make a meaningful impact in our community.

Duties

• Engage with potential homebuyers to assess their financial needs and explain available mortgage options, including FNMA (Fannie Mae) loan programs and other government-backed solutions.
• Conduct comprehensive credit analysis and evaluate borrower qualifications using financial software such as Quicken or similar tools.
• Originate loan applications by gathering necessary documentation, verifying information, and initiating the loan processing workflow efficiently.
• Collaborate with underwriters, escrow officers, and mortgage servicing teams to ensure smooth loan approval and closing processes.
• Negotiate terms with clients while adhering to Fair Housing regulations, TILA (Truth in Lending Act), and other applicable legal standards to promote transparency and fairness.
• Maintain up-to-date knowledge of mortgage products, banking practices, contracts, and compliance requirements related to loan origination and servicing.
• Provide exceptional customer service by guiding clients through each step of the loan process, answering questions promptly, and building lasting relationships based on trust.

Requirements

• Proven experience as a mortgage loan officer or in a similar financial services role with a strong background in loan origination and processing.
• Deep understanding of FNMA guidelines, underwriting procedures, credit analysis, and mortgage servicing protocols.
• Solid knowledge of TILA regulations, Fair Housing laws, contracts, banking practices, and basic math skills essential for accurate calculations.
• Excellent negotiation abilities combined with strong customer service skills to effectively communicate complex information clearly.
• Ability to analyze credit reports, perform math calculations quickly and accurately, and interpret financial data confidently.
• Strong organizational skills with attention to detail in managing multiple loan files simultaneously while adhering to deadlines. Join us if you’re passionate about helping people secure their future through homeownership! Bring your energy, expertise in financial sales, negotiation skills, and commitment to compliance to a team dedicated to excellence in mortgage lending.

Pay: $100,000.00 - $150,000.00 per year

Benefits:

• 401(k)
• Employee discount
• Flexible schedule
• Health insurance
• Retirement plan
• Work from home

Work Location: In person

Salary : $100,000 - $150,000