Mortgage Loan Originator

4 weeks ago


Mt Pleasant, South Carolina, United States American Neighborhood Mortgage Acceptance Company LLC Full time
Job Summary

AnnieMac Home Mortgage is seeking a highly motivated and experienced External Mortgage Loan Originator to establish strong relationships with real estate professionals and generate a steady flow of loan volume. The ideal candidate will have a thorough understanding of the mortgage industry and excellent communication skills.

Key Responsibilities
  • Generate new business by building and maintaining relationships with realtors, real estate agents, and other referral partners.
  • Participate in mortgage sales, including attending closings and open houses, and conducting seminars and other lead-generating activities.
  • Analyze prospective borrowers' income and debt to determine the maximum mortgage they can afford.
  • Counsel borrowers on the home buying and financing process, advising them on different loan products and explaining closing costs and monthly payments.
  • Collect financial information and other related documents as part of the application process.
  • Provide disclosures to borrowers, including truth in lending and good faith estimates.
  • Maintain regular contact with borrowers, realtors, and lenders to apprise them of the status of the application.
Requirements
  • 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, and local bonding programs.
  • Must be familiar with local, state, and national laws, including zoning ordinances, Truth-in-Lending, and RESPA.
  • Must have excellent communication skills and the ability to analyze financial information.
  • Must be a sales-oriented self-starter.
Work Environment

Travel is required 80% of the time.



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