Processor - Manufactured Home Construction-to-Permanent

Fbc Mortgage Llc; Winter Park (FL); On-site; USD 65,000 - 90,000; Full time

Job summary

Fusion Home Loans is seeking an experienced Mortgage Processor for Manufactured Home Construction-to-Permanent loans in Winter Park, FL. You will handle file processing from application to closing, coordinate with builders, dealers, and underwriters, and ensure compliance with agency and investor guidelines.

The role requires experience with CP/OC loans, HUD/DE and de-titling processes, and the Encompass LOS.

Qualifications

• Minimum 3 years of mortgage loan processing experience.
• Minimum 2 years of experience processing manufactured home loans.
• Experience processing Construction-to-Permanent (CP) or One-Time Close loans.
• Experience with FHA, VA, USDA, Conventional (Fannie Mae/Freddie Mac), and portfolio loan programs.
• Experience working directly with builders and manufactured home dealers.
• Strong understanding of manufactured home title requirements and de-title processes.
• Experience with Encompass or another LOS.

Responsibilities

• Process manufactured home loan files from application through closing.
• Manage Construction-to-Permanent (One-Time Close) loan transactions from start to finish.
• Review loan applications and supporting documentation for completeness and accuracy.
• Collect and analyze borrower income, asset, credit, and property documentation.
• Coordinate with borrowers, loan officers, builders, dealers, underwriters, title companies, appraisers, inspectors, and other third parties throughout the loan process.
• Order and review appraisals, inspections, title work, flood certifications, and other required documentation.
• Collect and review construction-related documentation (contracts, builder approvals, plans and specifications, cost breakdowns, permits, builder's risk insurance, draw schedules, draw requests, inspection reports, and COs).
• Obtain and review manufactured housing documentation (HUD Certification Labels, HUD Data Plates, VIN verification, engineer certifications, permanent foundation certifications).
• Coordinate the manufactured home title process, including de-titling decisions and recording as real property when required.
• Work with title companies, builders, dealers, and county recording offices to ensure proper recording as real property.
• Work closely with underwriting to clear conditions and resolve documentation issues.
• Monitor loan pipelines to ensure timely closings.
• Maintain compliance with investor, agency, federal, state, and company guidelines.
• Provide outstanding customer service with accuracy and attention to detail.

Skills

Mortgage loan processing

Manufactured home loans

Construction-to-Permanent loans

One-Time Close loans

Encompass LOS

Communication

Time management

Organizational skills

Attention to detail

Multi-file management

Tools

Encompass

Job description

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

Processor - Manufactured Home Construction-to-Permanent

Winter Park, FL, US

30+ days ago Requisition ID: 1657

Fusion Home Loans is seeking an experienced Manufactured Home Construction-to-Permanent Loan Processor (MH-CP) to join our growing Operations team.

The ideal candidate has recent experience processing manufactured home loans, including Construction-to-Permanent (One-Time Close) transactions. This position requires a strong understanding of manufactured housing guidelines, construction loan documentation, manufactured home title requirements, and the ability to manage multiple loan files while providing exceptional customer service.

Responsibilities

• Process manufactured home loan files from application through closing.
• Manage Construction-to-Permanent (One-Time Close) loan transactions from start to finish.
• Review loan applications and supporting documentation for completeness and accuracy.
• Collect and analyze borrower income, asset, credit, and property documentation.
• Coordinate with borrowers, loan officers, builders, manufactured home dealers, underwriters, title companies, appraisers, inspectors, and other third parties throughout the loan process.
• Order and review appraisals, inspections, title work, flood certifications, and other required documentation.
• Collect and review construction-related documentation, including construction contracts, builder approvals, plans and specifications, cost breakdowns, permits, builder's risk insurance, draw schedules, draw requests, inspection reports, and Certificates of Occupancy.
• Obtain and review manufactured housing documentation, including HUD Certification Labels (HUD Tags), HUD Data Plates, VIN/serial number verification, engineer certifications, permanent foundation certifications, and all other required manufactured housing documentation.
• Coordinate the manufactured home title process, including determining when a home must be converted from personal property to real property and ensuring all required documentation is completed in accordance with state, agency, and investor requirements.
• Work with title companies, builders, dealers, and county recording offices to ensure manufactured homes are properly de-titled and recorded as real property when required.
• Work closely with underwriting to clear conditions and resolve documentation issues.
• Monitor loan pipelines to ensure files remain on schedule and close on time.
• Maintain compliance with investor, agency, federal, state, and company guidelines.
• Provide outstanding customer service while maintaining accuracy and attention to detail.

Qualifications

Required

• Minimum 3 years of mortgage loan processing experience.
• Minimum 2 years of experience processing manufactured home loans.
• Experience processing Construction-to-Permanent (CP) or One-Time Close loans.
• Experience processing single-wide and double-wide manufactured homes.
• Experience processing land/home transactions.
• Experience with FHA, VA, USDA, Conventional (Fannie Mae/Freddie Mac), and portfolio loan programs.
• Experience working directly with builders and manufactured home dealers.
• Strong understanding of manufactured home title requirements, including when a home must be converted from personal property to real property to meet agency and investor guidelines.
• Experience coordinating the de-title process and ensuring manufactured homes are properly recorded as real property.
• Knowledge of state-specific de-title requirements and documentation for manufactured home transactions.
• Knowledge of manufactured housing documentation and compliance requirements.
• Experience using Encompass or another mortgage loan origination system (LOS).
• Strong organizational, communication, and time management skills.
• Ability to manage multiple loan files while meeting deadlines.

Preferred

• Experience with investor overlays for manufactured housing.
• Knowledge of construction draw processes.
• Experience coordinating foundation certifications, engineer inspections, and Certificates of Occupancy.
• Strong problem-solving skills and attention to detail.

What We're Looking For

We're looking for a processor who is highly organized, detail-oriented, and thrives in a fast-paced mortgage environment. The ideal candidate understands the unique requirements of manufactured housing, including construction documentation, permanent foundation requirements, and manufactured home title requirements. They know when a home must be converted from personal property to real property, how to coordinate the de-title process, and how to ensure all documentation is completed to satisfy state, agency, and investor requirements.

If you have experience processing manufactured home Construction-to-Permanent loans and enjoy working in a collaborative, fast-paced environment, we'd love to hear from you!

Fusion Home Loans is an Equal Employment Opportunity/Affirmative Action Employer and maintains a Drug-Free Workplace. Applicants must complete all interviews without the use of AI or automated tools.