Mortgage Loan Consultant

CapCenter; Richmond (VA); On-site; USD 70,000 - 180,000; Full time

Benefits offered by this job

Medical Insurance

401(k) with company match

Paid vacation & holidays

Job summary

CapCenter in Richmond, VA seeks a Loan Consultant to guide borrowers from application to closing, serving as their single point of contact and trusted adviser. You will structure each loan, move it through processing and underwriting, and keep borrowers informed at every step.

This role centers on delivering the Zero Closing Cost experience that fuels CapCenter's growth, with a clear path to Senior Loan Consultant and Principal Loan Consultant as you succeed.

Qualifications

• Active NMLS license or ability to obtain within onboarding window.
• Experience in mortgage lending, loan origination, or processing.
• Strong organizational skills with attention to detail in a high-volume pipeline.
• Excellent communication and ability to build trust with borrowers.
• Discretion handling confidential financial information.

Responsibilities

• Serve as borrower's primary point of contact from application through closing, delivering a clear, responsive experience.
• Structure each loan and set expectations on program, pricing, and timeline.
• Manage pipeline through processing and underwriting, clearing conditions and moving toward close.
• Collect and validate borrower documentation, ensuring files are complete and accurate.
• Issue disclosures within regulatory timeframes and maintain compliant files.
• Collaborate with processing, underwriting, and closing teams to remove obstacles.

Skills

NMLS License

Mortgage Lending

Communication

Attention to Detail

High-Volume Pipeline

Tools

Encompass LOS

Job description

Founded in Richmond, Virginia in 1997, CapCenter exists to help individuals and families achieve one of life's most meaningful milestones—homeownership. By bringing mortgage, realty, and insurance services together under one roof, we provide a simpler, more transparent experience designed to save clients time and money. Our commitment to innovation, including our Zero Closing Cost mortgage, has earned the trust of thousands of clients and fueled our growth through repeat business and referrals.

At CapCenter, our mission extends beyond serving clients. We foster a collaborative, high-impact environment where employees are empowered to do meaningful work, grow professionally, and make a real difference in the lives of the people we serve.

JOB OVERVIEW

We are seeking a Loan Consultant to join our mortgage production team. In this role, you will guide borrowers through the mortgage process from application to closing, serving as their single point of contact and trusted advisor. Working from applications delivered by our sales team, you will structure each loan, move it through processing and underwriting, keep borrowers informed at every step, and drive it to an accurate, on-time closing. This role is central to delivering the Zero Closing Cost experience that earns CapCenter's repeat business and referrals, and it offers a clear path of advancement to Senior Loan Consultant and Principal Loan Consultant.

WHAT YOU'LL DO

• Serve as the borrower's primary point of contact from application through closing, delivering a clear, responsive, and reassuring experience.
• Structure each loan accurately and set the right expectations on program, pricing, and timeline.
• Manage your pipeline through processing and underwriting, clearing conditions quickly and keeping every file moving toward an on-time close.
• Collect and validate borrower documentation, and ensure each file is complete and accurate.
• Issue required disclosures within regulatory timeframes and maintain compliant, well-documented files.
• Partner with processing, underwriting, and closing teams to remove obstacles and protect pull-through.
• Maintain active NMLS licensing and complete continuing education on schedule.

WHAT WE'RE LOOKING FOR

• An active NMLS license, or the ability to obtain one within a defined onboarding window.
• Experience in mortgage lending, loan origination, processing, or a closely related role.
• Strong organizational skills and exceptional attention to detail across a high-volume pipeline.
• Excellent communication skills and the ability to build trust with borrowers quickly.
• The ability to handle confidential financial information with discretion.

PREFERRED QUALIFICATIONS

• Experience with a direct-to-consumer or high-volume mortgage operation.
• Working knowledge of TRID, RESPA, and Fair Lending requirements.
• Familiarity with the Encompass loan origination system.
• Experience with differentiated products such as Zero Closing Cost mortgages.
• Multi-state licensing across CapCenter's East Coast footprint.
• Experience leveraging AI and technology tools to improve efficiency and work product quality.

COMPENSATION

The compensation range for this position is $70,000 - $180,000. Individual compensation will be determined based on job-related business considerations, including relevant qualifications, experience, education, certifications, skills, as well as business performance. Successful performance and achievement of established advancement milestones may lead to promotion opportunities and elevated salary range.

BENEFITS

CapCenter offers a comprehensive benefits package, including medical, dental, vision, life insurance, a 401(k) plan with company match, paid vacation, paid holidays, and other programs designed to support the well-being and professional growth of our employees.

EQUAL OPPORTUNITY EMPLOYER

CapCenter is an Equal Opportunity Employer (Veteran/Disability). All qualified applicants will be considered regardless of race, color, national origin, age, religion, sex, sexual orientation, gender identity, or any other status protected by applicable federal, state, or local law.