Mortgage Loan Processor - Charlotte, NC

Rate; Charlotte (NC); Hybrid; USD 50,000 - 60,000; Full time

Benefits offered by this job

401(k)

Vacation benefits

Medical, dental, vision

Flexible benefits

Life insurance

Critical care insurance

Commuter benefits

Pet insurance

Time off

Well-being program

Job summary

Rate, a top national retail mortgage lender, is seeking a Mortgage Loan Processor for end-to-end processing in the Charlotte, NC area. You will gather and process loan documentation, ensure compliance with policy, and guide files through underwriting and closing with a focus on accuracy and customer satisfaction.

The role offers compensation of $50–$60K per year plus per-file bonuses, with remote eligibility while residing in the Charlotte area.

Qualifications

• 3+ years of recent experience in the residential mortgage industry – Conventional, FHA, and VA.
• Excellent disposition, mindset, communication skills, and work ethic.
• Ability to multi-task with strong attention to detail while meeting deadlines in a fast-paced environment.
• Strong listening, problem-solving skills, and out-of-the-box thinking.
• An inherent love of and desire to serve clients and create something unique and fantastic.
• A commitment to integrity and customer service.

Responsibilities

• Review each loan file to verify that documents are present, accurate, and complete before underwriting.
• Manage loan process through mortgage software system
• Ensure that loan rules, obligations, and deadlines are met
• Audit and prepare quality files that meet closing objectives
• Obtain mortgage loan documentation for clients
• Work closely with our Loan Officers to ensure a timely and accurate experience for our clients—from first-time home buyers to refinancers—throughout the entire mortgage process.
• Scheduling and tracking of closing dates, contingency dates, and loan lock expirations.
• Review loan approvals and address all conditions required for underwriting and closing.
• Receive ongoing, comprehensive training and become an expert on home loan products and the mortgage process.
• Prepare and submit timely and accurate loan files to the Closing Department.
• Use state-of-the-art technology to manage your loan pipeline as well as conduct credit and underwriting analysis.
• Provide world-class customer service and respectful, consultative guidance to your clients.

Skills

Residential mortgage experience

Attention to detail

Communication skills

Customer service oriented

Multi-tasking

Job description

Rate is one of the nation’s top retail mortgage lenders, delivering a seamless, tech-driven experience that helps customers reach their homeownership and financial goals. Founded in 2000 and based in Chicago, Rate is licensed in all 50 states and D.C. and has helped over 2 million homeowners with a wide range of loan products, competitive rates and personalized service. With 5,000+ employees across 300+ offices and 12+ subsidiaries, Rate’s Loan Officers rank among the best in the country. From purchases and refinances to tapping into equity, Rate makes financing faster, simpler and less stressful. Our technology — including Same Day Mortgage, the Rate App, FlashClose, MyAccount and the Language Access Program — has earned recognition from HousingWire, Scotsman Guide, NerdWallet, the Chicago Tribune and Crain’s Chicago Business. Learn more at rate.com

Compensation: $50-$60K per year + per file bonus

This candidate will be responsible for the entire end-to-end mortgage loan process. They will gather and process all loan documentation and ensure compliance with policy, regulatory, and loan terms.

Can work remotely but needs to live in the Charlotte, NC area.

Responsibilities

• Review each loan file to verify that documents are present, accurate, and complete before underwriting
• Manage loan process through mortgage software system
• Ensure that loan rules, obligations, and deadlines are met
• Audit and prepare quality files that meet closing objectives
• Obtain mortgage loan documentation for clients
• Work closely with our Loan Officers to ensure a timely and accurate experience for our clients—from first-time home buyers to refinancers—throughout the entire mortgage process.
• Scheduling and tracking of closing dates, contingency dates, and loan lock expirations.
• Review loan approvals and address all conditions required for underwriting and closing.
• Receive ongoing, comprehensive training and become an expert on home loan products and the mortgage process.
• Prepare and submit timely and accurate loan files to the Closing Department.
• .Use state-of-the-art technology to manage your loan pipeline as well as conduct credit and underwriting analysis.
• Provide world-class customer service and respectful, consultative guidance to your clients.

Qualifications

• 3+ years of recent experience the residential mortgage industry – Conventional, FHA, and VA.
• Excellent disposition, mindset, communication skills, and work ethic.
• Ability to multi-task with strong attention to detail while meeting deadlines in a fast-paced environment.
• Strong listening, problem-solving skills, and out-of-the-box thinking.
• An inherent love of and desire to serve clients and create something unique and fantastic.
• A commitment to integrity and customer service.

Rate is an Equal Opportunity Employer that welcomes and encourages all applicants to apply regardless of age, race, sex, religion, color, national origin, disability, veteran status, sexual orientation, gender identity and/or expression, marital or parental status, ancestry, citizenship status, pregnancy or other reason protected

by law.

Benefits

• eligibility to participate in a company-sponsored 401(k)
• vacation benefits
• eligibility for medical, dental, vision, and prescription drug benefits
• flexible benefits (e.g., healthcare and/or dependent day care flexible spending accounts)
• life insurance and death benefits
• critical care insurance
• personal accidental insurance
• commuter benefits
• pet insurance
• certain time off and leave of absence benefits
• well-being benefits (e.g., employee assistance program)
• and other supplemental benefits (e.g. legal planning assistance; identity theft protection; pet insurance; wellness res)

This candidate will be responsible for the entire end-to-end mortgage loan process. They will gather and process all loan documentation and ensure compliance with policy, regulatory, and loan terms.