Mortgage Loan Originator

Job Details:

Job Location:

Main Office
- Navajo - DENVER, CO, Position Type:
Full Time, Salary Range: $31.45 - $39.80 hourly, Job Category:
Nonprofit
- Social Services

The Mortgage Loan Originator is responsible for educating and assisting borrowers through the closing process and beyond by reviewing income and credit documentation, preparing all loan disclosures, closing documentation, and coordinating closing logistics. This position takes a proactive approach on loan compliance and borrower education, ensuring Habitat’s internal teams have all lending compliance needs met, and by providing a positive, informative experience for the homebuyer.

• Uphold Habitat Metro Denver’s commitment to affirmatively furthering fair housing, the Fair Housing Act, Equal Credit Opportunity Act, and Habitat Metro Denver’s inclusivity goals.
• Comply fully with all federal, state, and local laws and regulations, including but not limited to the S.A.F.E Act and its registration, renewal, and updating requirements.
• Conduct detailed audits of financial documents, calculations, and loan information to identify discrepancies, mitigate risk, and ensure mortgage loans are originated with the highest level of accuracy and quality.
• Facilitate and monitor all preclosing due diligence activities, including ordering and reviewing employment verifications, appraisal reports, title commitments, flood certifications, insurance coverage, and supporting financial documentation to ensure loan eligibility, accuracy, and regulatory compliance.
• Prepare all necessary disclosures for each closing through the Loan Origination System, Encompass, and save executed documentation in relevant homeowner databases.
• Coordinate and communicate each step of the contract and closing process with home buyers, meeting with them virtually and in person as necessary.
• Perform due diligence checks on title commitments, legal descriptions, and other necessary closing documentation details to ensure closing and post closing compliance needs are met.
• Coordinate operational processes for new loan origination products and expanded lending programs, partnering with internal departments and external stakeholders to ensure proper buyer vetting, compliance, documentation accuracy, and timely funding.
• Actively contribute to the development and enhancement of new lending products designed to support home sales for current homeowners and expand financing options to other Habitat affiliates.
• Set up all confidential loan files through consistent and accurate data entry into Habitat’s CRM and Homekeeper while coordinating with the accounting department for any post closing needs.
• Participate in the development, preparation, and delivery of internal and external reports, metrics, and analytics that support Affordable Mortgage Solutions’ operational performance, regulatory compliance, and program growth.

• Provide excellent customer service to future homeowners by answering questions and responding to requests about the closing process, their loan terms, escrow, and related subject areas.
• Support the successful execution of closing schedules across all Habitat business lines by providing timely information, monitoring closing readiness, and supporting cross departmental collaboration with Department leadership, Construction, Finance, and Grants teams to meet established deadlines.
• Manage relationships to ensure ontime deliverables and serve as a primary liaison between title companies, insurance agents, real estate agents, and internal departments to prepare all required closing documentation and facilitate timely loan closings.
• Attend all closings on behalf of Habitat for Humanity of Metro Denver.