Mortgage Loan Processor

First and foremost, Certainty Home Lending is about people. We’re about doing whatever it takes to find the right home mortgage for you. We are about personal attention, about simplifying the process through our expertise and transparency. Because in an industry where many of the products stay the same, it is the team of individuals helping you and the service they provide that make the difference.

Certainty Home Lending has been helping home buyers for over 20 years, with a focus on making home ownership a reality by putting people first and investing in the right technology. This is what we love to do! We truly believe that owning a home is one of the most important things we can help someone achieve.

Our core belief is that our Certainty team members are our #1 asset. We never want to lose sight of the importance of our team members or of our core values: integrity, quality, teamwork, and customer service. We are here to ensure confidence.

We are part of the Guaranteed Rate family of companies. This gives us the unique opportunity to utilize some of the best resources and tech in the industry, yet provide localized services tailored to our customer’s needs. Being a part of this organization also provides us with the financial backing to remain stable and secure, even in uncertain of times. This gives the competitive advantage to offer our customers.

• Confidence and peace-of-mind during their home financing journey.
• A simplified and efficient mortgage process that puts them at the center of everything.

• Manage residential mortgage loans from application through closing, serving as the primary processor assigned to each file
• Work closely with Loan Officers, underwriters, title companies, appraisers, and other third parties to ensure a smooth and efficient loan process
• Collect, review, and verify all borrower documentation required to support underwriting decisions
• Order and review AUS findings, appraisals, title work, flood certifications, verifications, and other required loan documentation
• Analyze income, assets, credit, and collateral documentation to ensure completeness and accuracy prior to underwriting submission
• Submit complete and accurate loan files for underwriting review and efficiently manage all underwriting conditions through final approval
• Monitor loan progress and proactively communicate status updates to all parties involved in the transaction
• Schedule and track critical loan milestones, including appraisal, underwriting, contingency, lock expiration, and closing dates
• Utilize mortgage technology platforms and LOS systems to effectively manage an individual pipeline while maintaining service level expectations
• Ensure compliance with investor, agency, company, and regulatory requirements throughout the loan process

• Minimum of 3 years of recent mortgage loan processing experience with Conventional, FHA, and VA loan products
• Demonstrated ability to accurately calculate and analyze income for salaried, hourly, commissioned, and self-employed borrowers
• Thorough understanding of mortgage underwriting guidelines, documentation requirements, and loan eligibility standards
• Strong organizational skills with the ability to manage a high-volume pipeline independently
• Excellent communication and customer service skills with the ability to build effective relationships with borrowers, Loan Officers, and business partners
• Detail-oriented with exceptional follow-through and the ability to meet deadlines in a fast-paced environment
• Strong problem-solving skills and the ability to identify and resolve issues proactively
• Self-motivated team player with a commitment to integrity, accountability, and operational excellence
• Dedicated to providing an outstanding client experience throughout the mortgage process

Certainty Home Lending 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 prohibited by law.