Overview
Join our dynamic team as a Mortgage Loan Originator and become a vital part of helping individuals and families achieve their homeownership dreams! In this energetic role, you will be the driving force behind guiding clients through the mortgage process, providing expert advice, and delivering exceptional customer service. Your expertise in financial sales, negotiation, and loan origination will empower you to build lasting relationships while navigating complex lending procedures with confidence. This position offers an exciting opportunity to grow within the financial services industry and make a tangible difference in people’s lives.
NOTE: While this is a remote position, we heavily prefer candidates that live in Mechanicsville, VA, Richmond, VA, or nearby locations.
Responsibilities
- Actively engage with prospective borrowers to understand their financial needs and guide them through the loan application process.
- Analyze credit reports, income statements, and financial documents to assess borrower eligibility in accordance with FNMA (Fannie Mae) guidelines.
- Prepare and review loan packages, ensuring compliance with TILA (Truth in Lending Act), Fair Housing regulations, and other relevant legal requirements.
- Collaborate with underwriters, processors, escrow officers, and other team members to facilitate smooth loan processing and underwriting procedures.
- Negotiate terms with clients and third parties to secure favorable loan conditions while maintaining compliance with banking and mortgage servicing standards.
- Utilize mortgage software such as Quicken or other financial software to track applications, update statuses, and generate reports efficiently.
- Stay informed about current market trends, loan products, and regulatory changes to provide accurate advice and maintain high levels of customer service.
Skills
- Proven experience in mortgage loan origination or related financial sales roles with strong knowledge of loan processing and underwriting processes.
- Excellent negotiation skills combined with a customer-centric approach to foster trust and satisfaction.
- Familiarity with FNMA guidelines, TILA regulations, Fair Housing laws, and mortgage servicing practices.
- Proficiency in financial software such as Quicken, accounting software, escrow management systems, and 10-key typing for data entry accuracy.
- Strong analytical skills for credit analysis, math proficiency for basic calculations, and attention to detail in contract review.
- Effective communication skills to explain complex loan options clearly while adhering to compliance standards.
- Ability to manage multiple tasks efficiently within a fast-paced environment while maintaining a positive attitude. Embark on a rewarding career that combines energetic engagement with detailed expertise—helping clients unlock the doors to their new homes while advancing your professional journey!
Pay: $50,000.00 - $100,000.00 per year
Benefits:
- Flexible schedule
- Opportunities for advancement
- Work from home
Work Location: Remote
