Outside Loan Originator

Myunify; California (MO); On-site; USD 45,000 - 85,000; Full time

Benefits offered by this job

Medical plan

Dental plan

Vision plan

401K

Job summary

AnnieMac Home Mortgage is hiring a Full Time External Mortgage Loan Originator to build referral networks with realtors and other professionals. The role involves sourcing loans beyond company offices, attending closings, and leading lead-generating activities.

You will pre-qualify borrowers and advise on loan products. Travel is required approximately 80% of the time; strong communication, licensing, and sales drive are essential.

Qualifications

• Must have excellent communication skills and the ability to analyze financial information.
• Must be a sales-oriented self-starter who can generate new mortgage business.
• Strong knowledge of real estate practices and credit underwriting is helpful.

Responsibilities

• Sell mortgage loans to customers outside AnnieMac Home Mortgage offices.
• Build and maintain relationships with realtors, title and escrow officers, financial advisers, and CPAs.
• Attend closings and open houses, conduct seminars, and perform lead generation activities.
• Collect borrower information and prepare loan applications.
• Pre-qualify borrowers by analyzing income, debt, and affordability.
• Counsel borrowers on loan products and the financing process, including costs.

Skills

Excellent communication

Sales-oriented

Relationship building

Industry knowledge

Education

High School

Job description

# Outside Loan OriginatorEducation LevelHigh School## DescriptionAnnieMac 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. Candidates should have experience directly related to the Mortgage Industry. 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.\*\*\****