Mortgage Loan Processor

Directions Home Loan; San Antonio (TX); On-site; USD 50,000 - 70,000; Full time

Job summary

Directions Home Loan in San Antonio, TX is seeking a detail-focused Loan Processor to bridge between loan officers, borrowers, and underwriters, ensuring timely, accurate processing of every application.

You will gather income and employment data, verify documents, manage compliance, and help keep the loan pipeline moving from pre-approval to closing. If you thrive on puzzles and precision, this is your seat at the table.

Qualifications

• Requires 1–5 years of mortgage processing experience.
• Proficiency with conventional, FHA and VA loans; CHFA, USDA and 203k a plus.
• Basic understanding of processing policies, documents, underwriting requirements and regulatory compliance.
• Experience with mortgage software such as Calyx Point, Encompass, Data Track or Empower.
• Proficient with Microsoft Office Suite.

Responsibilities

• Prepares mortgage loan information and application for presentation to the underwriter.
• Collects from borrowers documents about income, employment, monthly bills, bank balances and debt.
• Ensures all proper documentation is included and accurate; files are organized per the stacking order checklist.
• Verifies credit report, fraud guard checks and employer information.
• Provides customer service to internal personnel, vendors and external customers.
• Inputs data into software applications and ensures data accuracy.
• Coordinates pre-closing conditions (surveys, title work, hazard insurance).
• Prepares and distributes processing pipeline reports for updates.

Education

High school diploma or GED; one year certificate from college or technical school

Tools

Calyx Point

Encompass

Data Track

Empower

Microsoft Office Suite

Job description

Behind every homeowner's "we got the house!" moment, there's a Loan Processor who made it happen. We're looking for a detail-obsessed, deadline-driven professional to be the critical link between our Loan Officers, borrowers, and Underwriters — turning applications into approved, closed loans.

If you love solving puzzles, keeping chaos organized, and being the person everyone relies on to get it right, this is your seat at the table.

SUMMARY This position will be responsible for ensuring the timely and accurate processing of all loans originated by our loan officers. Loan Processor will act as a Liaison between Loan Officers, borrowers and Underwriters to facilitate a smooth loan approval process.

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Prepares mortgage loan information and application for presentation to the underwriter.
• Collects from borrowers, documents about income, employment, monthly bills, bank balances and anything credit and debt related.
• Makes sure all proper documentation is included, that all numbers are calculated correctly and double checked, and that the loan file is stacked in the proper order according to the company’s stacking order checklist.
• Verifies credit report, fraud guard check and employer to verify accuracy of information.
• Provides customer service to all internal personnel, vendors and external customers.
• Verifies application data is complete and meets established standards and related disclosures meet regulatory compliance.
• Prepares and distributes processing pipeline reports to all parties for updates.
• Collects property related information to include for underwriting submission which includes appraisal reports, purchase contracts, title commitments and various title related documents.
• Coordinates, obtains and reviews pre-closing conditions, including surveys, title work and hazard insurance requirements.
• Inputs all data into the appropriate software applications.
• Ensures accuracy of data for each loan.
• Assists with training of new staff.
• Adheres to all applicable compliance regulations, including Bank Secrecy Act , Truth in Lending Act, Equal Credit Opportunity Act, Real Estate Settlement Procedures Act, Fair Lending, Safe Act, Right to Financial Privacy.

DESIRED SKILLS AND EXPERIENCE

• High school diploma or GED; one year certificate from college or technical school a plus
• 1-5 years of recent processing experience in the mortgage industry.
• Proficiency in conventional, FHA and VA loans; experience with CHFA, USDA and 203k is a plus
• Basic understanding of loan processing and closing policies, procedures, documents, underwriting requirements, governmental and agency requirements, terminology and automated processing systems
• Basic understanding of credit policies and approval processes
• Computer proficiency, particularly with Microsoft Office Suite
• Experience with mortgage software, such as Calyx Point, Encompass, Data Track or Empower

Why You'll Love It Here

You're not just processing loans — you're the reason families get keys to their new homes. Join a team that values accuracy, collaboration, and the people who keep the whole loan process running smoothly. At Directions Home Loan, we are a family helping families! #morethanmortgage