HomeXpress - a distinguished Non-QM Mortgage Lender.
Join our growing team and be part of the Top Non-QM Lender in the Business.
We are known for closing wholesale mortgage loans with speed, ease, and convenience.
Licensed in 46 States, we provide brokers with a full suite of mortgage products, including VA, FHA, & FHLMC.
If you have a service first mentality and thrive in a fast-paced environment, HomeXpress is the place for you.
Join us as we continue to grow and expand our business to the Non-Delegated Correspondent Channel.
ESSENTIAL DUTIES AND RESPONSIBILITIES:
- Clear conditions, including but not limited to credit and title conditions
- Prep loan files for review by an Underwriter to determine eligibility within HomeXpress' guidelines
- Assisting Underwriters as needed to move pipeline in a forward trajectory
- Verify completeness of credit file
- Calculate income
- Confirm qualified Change of Circumstances and reprice loans as needed
- Run reports and interact with various third-party vendors
Job Functions:
- Capable of underwriting a minimum of 3-4 new loans per day.
- Review conditions in a timely manner to remain in compliance with posted turn times.
- Analyze all areas of the mortgage loan application; including credit, income, assets, collateral, and compliance documents to ensure loan meets company, investor and regulatory guidelines.
- Review Income documentation and calculate income per investor and company guidelines.
- Review Assets to determine reserves and cash to close per investor and company guidelines.
Required Knowledge:
- Conforming and Non-QM Underwriting Guidelines
- Strong verbal & written communications skills
- Strong problem solving skills
- Excellent interpersonal, customer service and organizational skills
- High level math aptitude
- Ability to move between tasks quickly is preferred; being able to respond to pressure situations easily and work productively in a fast paced, sometimes stressful environment.
- Knowledge of Conventional loan products, underwriting procedures, creditor financial analysis techniques, investor requirements and escrow/title practices, as well as regulatory compliance laws as they apply to mortgage transactions.
- Superior knowledge of personal computers and applicable software.
Job Type: Full-time
Pay: $70,000.00 - $80,000.00 per year
Benefits:
- 401(k) matching
- Dental insurance
- Health insurance
- Paid time off
- Vision insurance
Schedule:
Experience:
- Non-QM: 2 years (Required)
- Underwriting: 2 years (Required)
Work Location: In person