Mortgage Loan Processor

PLF Real Estate Solutions; Downey (CA); On-site; USD 70,000 - 100,000; Full time

Benefits offered by this job

Competitive compensation

Dynamic team environment

Growth opportunities

Training and leadership development

Downey office environment

Job summary

PLF Real Estate Solutions in Downey, CA seeks an organized Loan Processor to guide borrowers through the loan fulfillment process, ensuring accuracy and timely closings.

The role requires 2+ years of mortgage processing experience, strong AUS knowledge (DU/LP), income verification skills, and excellent communication.

Qualifications

• Minimum 2+ years of experience as a mortgage loan processor.
• Strong knowledge of AUS systems (DU/LP) and mortgage guidelines.
• Understanding of income calculation (W-2, self-employed, bank statements, P&L).
• Excellent communication and customer-service skills.
• Strong attention to detail and ability to prioritize a fast-moving pipeline.
• Experience with mortgage LOS systems (Encompass, LendingPad, Calyx).

Responsibilities

• Review mortgage loan applications for completeness and accuracy.
• Collect, verify, and analyze borrower documentation including income, assets, credit, appraisal, and title.
• Submit files to underwriting and work with the underwriter to clear conditions.
• Maintain open communication with borrowers, loan officers, real estate agents, and vendors.
• Order and track required services (VOEs, VODs, appraisals, title, insurance).
• Identify red flags and ensure files meet agency and lender guidelines.
• Manage pipeline to close files on contract deadlines.
• Prepare files for final approval and coordinate with escrow for closing.
• Deliver high-level customer experience through updates and professional communication.

Skills

Mortgage loan processing

AUS knowledge (DU/LP)

Income verification

Customer service

LOS systems (Encompass, LendingPad,Cal

Tools

Encompass

LendingPad

Calyx

Job description

Job Description

Job Description

Loan Processor – Job Description

Location: Downey, CA (On-site)
Employment Type: Full-Time
Industry: Mortgage Lending / Real Estate

About the Role

We are seeking a highly organized, detail-oriented Loan Processor to join our growing mortgage team. The ideal candidate is proactive, customer-focused, and experienced in guiding borrowers through the loan fulfillment process with accuracy and exceptional service. This role is critical to ensuring a smooth and timely closing for our clients.

Key Responsibilities

• Review mortgage loan applications for completeness and accuracy

• Collect, verify, and analyze borrower documentation including income, assets, credit, appraisal, and title

• Submit files to underwriting and work closely with the underwriter to clear conditions

• Maintain open communication with borrowers, loan officers, real estate agents, and third-party vendors

• Order and track required services (VOEs, VODs, appraisals, title, insurance, fraud checks)

• Identify potential red flags and ensure files meet all agency and lender guidelines (FHA, VA, Conventional, DSCR, Non-QM, etc.)

• Manage and maintain pipeline to ensure files close on or before contract deadlines

• Prepare files for final approval and coordinate with escrow for closing packages

• Deliver a high-level customer experience through consistent updates and professional communication

Qualifications

• Minimum 2+ years of experience as a mortgage loan processor (preferred)

• Strong knowledge of AUS systems (DU/LP) and mortgage guidelines

• Understanding of income calculation (W-2, self-employed, bank statements, P&L, etc.)

• Excellent communication and customer-service skills

• Strong attention to detail and ability to prioritize a fast-moving pipeline

• Experience working with mortgage LOS systems (Encompass, LendingPad, Calyx, etc.)

• Ability to work independently and collaboratively in a team environment

What We Offer

• Competitive compensation (salary + performance incentives)

• A dynamic, supportive team environment

• Opportunities for growth within a rapidly expanding mortgage and real estate organization

• Training, professional development, and leadership opportunities

• Modern office environment in Downey, CA with strong company culture

About Us

We are a high-performance mortgage team dedicated to helping families and investors achieve homeownership and financial freedom. Our company handles a wide range of lending programs including FHA, VA, Conventional, Non-QM, DSCR, and more. We pride ourselves on speed, service, and a culture built on teamwork, accountability, and continuous improvement.

Company Description

We are a fast-growing company in the real estate, escrow, and financial services space, focused on providing high-level administrative and transaction support. Our team operates in a fast-paced environment where organization, communication, and accountability are key. We are committed to delivering a smooth and efficient experience for clients while maintaining strong attention to detail throughout each transaction.

We are focused on building a professional, team-oriented culture and offering long-term growth opportunities for individuals who are driven, reliable, and looking to develop within a stable and evolving industry.

Company Description

We are a fast-growing company in the real estate, escrow, and financial services space, focused on providing high-level administrative and transaction support. Our team operates in a fast-paced environment where organization, communication, and accountability are key. We are committed to delivering a smooth and efficient experience for clients while maintaining strong attention to detail throughout each transaction.

We are focused on building a professional, team-oriented culture and offering long-term growth opportunities for individuals who are driven, reliable, and looking to develop within a stable and evolving industry.