Outside Loan Originator

American Neighborhood Mortgage Acceptance Company; Apollo Beach (FL); On-site; USD 14,000 - 65,000; Full time

Job summary

AnnieMac Home Mortgage is seeking a Full-Time External Mortgage Loan Originator in Apollo Beach, FL. The role focuses on establishing referral relationships with real estate professionals to generate a steady loan volume, with compensation including salary and commissions.

The position emphasizes field sales, regulatory knowledge, and strong customer counsel from application to closing, with extensive travel expected. Requires a state license and high school education.

Qualifications

• Must have appropriate state license or certificate (varies by state).
• Must have a thorough knowledge of pricing and underwriting requirements of various mortgage insurance companies.
• Must have a working knowledge of credit underwriting and property eligibility requirements for FNMA, FHLMC, FHA, VA, local bonding programs and private investors.
• Must be familiar with local, state and national laws (e.g. zoning ordinances, Truth-in Lending, RESPA, energy audit requirements, etc.).
• Must have excellent communication skills and the ability to analyze financial information.
• Must be a sales-oriented self-starter.

Responsibilities

• Sell mortgage loans to customers away from AnnieMac Home Mortgage's offices; work in outside sales.
• Build and maintain relationships with realtors, real estate agents, title and escrow officers, financial advisers, CPAs, and other professionals.
• Attend closings, open houses, seminars, and other lead-generating activities.
• Take information from borrowers and fill out the loan application.
• Develop relationships with referral partners to generate new customers.
• Analyze income and debt to pre-qualify the borrower's maximum affordable mortgage.
• Counsel borrowers on home buying and financing options and compare costs across products.
• Collect tax returns, bank statements, and other documents; provide disclosures (TIL, GFE)
• Counsel borrowers on credit issues and clear up problems.
• Maintain contact with borrowers, realtors, and lenders from application to closing; gather additional info as needed.
• Order legal documents; review HUDs prior to closing.

Skills

Self-starter

Sales oriented

Communication

Underwriting knowledge

Regulatory knowledge

Pricing knowledge

Education

High School diploma

Job description

Job Details: Job Location: 3030 Apollo Beach Apollo Beach Blvd - Apollo Beach, FL 33572, Position Type: Full Time, Education Level: High School, Salary Range: $13,500.00 - $65,000.00 Commission, Travel Percentage: Road Warrior, Job Category: Sales, AnnieMac Home Mortgage is looking to hire Full Time External Mortgage Loan Originators to establish referral source relationships for a steady flow of loan volume from real estate brokers and other external sources.

Job Responsibilities

Under the direct supervision of the Branch Manager, the job responsibilities of the External Mortgage Loan Originator position include, but are not limited to, the following:

• Primary duty is to sell mortgage loans to customers away from and outside of AnnieMac Home Mortgages places of business. Work done at AnnieMac Home Mortgages offices is related and supplemental to outside sales.
• Generate new business by building and maintaining relationships with realtors, real estate agents, title and escrow officers, financial advisers, CPAs, and other relevant professionals.
• Regularly participate in mortgage sales including, but not limited to, attending closings and open houses, and conducting seminars and other lead-generating activities.
• Take information from the borrower and fill out the loan application.
• Develop relationships with referral partners such as realtors to generate new customers.
• Analyze the prospective borrowers income and debt and pre-qualify the prospective borrower to determine the maximum mortgage that the prospective borrower can afford.
• Counsel the prospective borrower in the home buying and financing process, advising the borrower about the different types of loan products available, and demonstrating how closing costs and monthly payments would vary under each product.
• Collect financial information (tax returns, bank statements) and other related documents that are part of the application process;
• Provide disclosures to the borrower, including truth in lending, good faith estimate, and others.
• Counsel and advise the borrower in understanding and clearing credit problems.
• Maintain regular contact with the borrower, realtors, and the lender, between application and closing to apprise them of the status of the application and to gather any additional information as needed.
• Order legal documents.
• Review HUDS prior to closing.

Qualifications

• Must have appropriate state license or certificate (varies by state).
• Must have a thorough knowledge of pricing and underwriting requirements of various mortgage insurance companies.
• Must have a working knowledge of credit underwriting and property eligibility requirements for FNMA, FHLMC, FHA, VA, local bonding programs and private investors.
• Must be familiar with local, state and national laws (e.g. zoning ordinances, Truth-in Lending, RESPA, energy audit requirements, etc.).
• Must have excellent communication skills and the ability to analyze financial information.
• Must be a sales-oriented self-starter.

Work Environment / Physical Demands

Travel is required 80% of the time.

AnnieMac Home Mortgage offers a wide range of benefits, including medical, dental and vision plans, along with voluntary benefits, including 401K.

AnnieMac Home Mortgage is an Equal Opportunity Employer

AnnieMac Home Mortgage participates in E-Verify.