Mortgage Loan Processor — AI-Driven, Fast-Paced, Hybrid

Opendoor; Miami (FL); On-site; USD 65,000 - 95,000; Full time

Benefits offered by this job

Competitive salary and equity

Health, dental, and vision benefits

Flexible PTO and parental leave

Hybrid work model

Job summary

Opendoor Home Loans is rebuilding the mortgage experience with a technology-forward origination platform. This Mortgage Loan Processor role handles a pipeline of conventional, FHA, and VA loans from submission through clear-to-close, within tight closing dates.

You’ll work in a fast-growing, AI-assisted environment and collaborate across processing, underwriting, and title teams to keep files moving on time.

Qualifications

• Must read income documentation (tax returns, pay stubs, W-2s) to qualify income.
• Working knowledge of conventional guidelines; FHA/VA exposure a plus.
• Comfort working in a tech-forward, AI-assisted origination platform.

Responsibilities

• Own a pipeline of conventional loans from submission through final approval, with FHA/VA coming online.
• Read income documents and calculate qualifying income from tax returns, pay stubs, W-2s, and business financials.
• Triage files before underwriting by reviewing income, assets, credit, and title documentation.
• Review borrower-submitted paperwork for what it shows and verify it supports claims.
• Present a file's story clearly to underwriters to enable quick action.
• Communicate with LO, processing, closing, and title/settlement teams to avoid gaps.
• Use AI-assisted workflow as default, stepping in with human judgment where needed.
• Identify workflow or tooling bottlenecks and suggest improvements.

Skills

Mortgage processing

Income calculation

Underwriting triage

Clear communication

Education

High school diploma

College degree

Job description

Opendoor Home Loans is rebuilding the mortgage experience with a technology-forward origination platform. This Mortgage Loan Processor role handles a pipeline of conventional, FHA, and VA loans from submission through clear-to-close, within tight closing dates.

You’ll work in a fast-growing, AI-assisted environment and collaborate across processing, underwriting, and title teams to keep files moving on time.