Mortgage Loan Officer

North Carolina Community Housing & Consulting, Inc.; Fayetteville (NC); On-site; USD 45,000 - 65,000; Full time

Job summary

North Carolina Community Housing & Consulting, Inc. is seeking a Mortgage Loan Officer to originate residential loans in a remote, NC-based capacity. You will guide borrowers through applications, review documents, and coordinate with underwriting to ensure timely submissions.

The role emphasizes compliance with investor guidelines, strong customer service, and relationship-building with real estate professionals and housing partners. On-site Fayetteville experience is encouraged.

Qualifications

• Experience as loan officers with borrower qualification, origination, and pipeline management.
• Familiarity with mortgage industry regulations, loan products, and secondary market requirements.
• Skills in loan structuring for diverse borrower profiles.
• Understanding of underwriting principles and risk assessment to support compliant decisions.
• Strong customer service, clear communication, and responsiveness to borrower needs.
• Proficiency with loan origination systems and standard office software.

Responsibilities

• Originating residential mortgage loans and guiding applicants through the process.
• Reviewing documents, coordinating with underwriting and processing teams.
• Providing compliant guidance and excellent customer service.
• Building relationships with real estate professionals and housing counselors.
• Managing pipelines and deadlines and educating clients on loan terms.

Skills

Loan origination

Pipeline management

Borrower qualification

Underwriting principles

Customer service

Analytical math skills

Loan origination systems

Education

NMLS license

Tools

Loan origination software

Job description

Company Description

North Carolina Community Housing & Consulting, Inc. (NCCHC) is a HUD Approved Housing Counseling Agency committed to supporting sustainable homeownership and financial stability. The organization is a member of the Community Partners Loan Pool (CPLP) with the North Carolina Housing Finance Agency, enabling access to specialized affordable lending programs. NCCHC also operates as a Residential Mortgage Brokerage, offering a variety of mortgage products tailored to diverse borrower needs. Team members collaborate closely with community partners to expand access to housing opportunities and provide education and guidance to prospective and current homeowners.

Role Description

The Mortgage Loan Officer is a remote, off-site role fully based in NC. This role is responsible for originating residential mortgage loans, guiding borrowers through the application process, and advising clients on appropriate loan products that align with their financial goals. Day-to-day activities include meeting with clients, collecting and reviewing financial documentation, coordinating with underwriting and processing teams, and ensuring timely and accurate loan submissions. The Mortgage Loan Officer also provides excellent customer service, maintains compliance with regulatory and investor guidelines, and builds relationships with real estate professionals, housing counselors, and community partners. The role involves tracking pipelines, managing deadlines, and educating clients on loan terms, closing requirements, and homeownership responsibilities.

Qualifications

• Candidates should possess strong experience as Loan Officers with knowledge of borrower qualification, loan origination, and pipeline management.
• Candidates should possess familiarity with the Mortgage Industry, including regulations, loan products, and secondary market requirements.
• Candidates should possess skills in Mortgage Lending, including application intake, documentation review, and loan structuring for diverse borrower profiles.
• Candidates should possess understanding of Underwriting principles, risk assessment, and eligibility criteria to support accurate and compliant loan decisions.
• Candidates should possess excellent Customer Service skills, including clear communication, client education, and responsiveness to borrower needs.
• Strong analytical and math skills, attention to detail, and proficiency with loan origination systems and standard office software.
• Ability to work on-site in Fayetteville, NC, collaborate with a multidisciplinary team, and manage multiple files and deadlines.
• Prior experience in residential mortgage lending or housing counseling is preferred; relevant licenses or registrations (such as NMLS) are highly beneficial.