HELOC Mortgage Processor - Houston Office

HELOC Mortgage Processor - Houston Office

• Full‑time

At Longbridge, we love seniors and we’re passionate about helping them unlock the power of one of their greatest assets—their home equity.

As a leading provider of home equity solutions for seniors, we’re committed to helping older homeowners make the most of what they’ve worked hard to build, so they can live the retirement they imagined.

And we don’t just do it well, we do it really well. With an “Excellent” rating on Trustpilot and over a thousand customer testimonials, we’ve earned a reputation for making it easy and stress‑free to access home equity—with guidance every step of the way.

But it’s not just our customers who love us—our team does, too! We’ve been named a Great Place to Work three years in a row because we believe that when people enjoy what they do and where they do it, everyone wins.

At Longbridge, we don’t just offer jobs, we offer careers that grow with you. Here’s why you’ll love being part of our team:

• Grow With Us – We’re big believers in investing in our people. From top‑notch training to clear career paths, we support your professional growth every step of the way. Plus, we love promoting from within—because when you succeed, we all do.
• A Culture That Clicks – We work hard, but we have fun doing it! Whether it’s team‑building events, friendly competitions, or just an atmosphere of open communication and collaboration, we make sure work feels less like “just work.”
• Benefits That Have Your Back – We’ve got you covered with best‑in‑class health plans (medical, dental, vision, HSA, and FSA), generous PTO, paid holidays, company‑paid life insurance, and a competitive 401(k) match. Because taking care of our team is just as important as taking care of our customers.

If you’re looking for a place where your work truly makes a difference, we’d love to have you on board. Apply today and let’s do great things together!

The HELOC Mortgage Processor is responsible for managing the end‑to‑end processing of Home Equity Line of Credit (HELOC) applications and first/second mortgage loans from application receipts through closing. This role requires a detail‑oriented professional who ensures file accuracy, regulatory compliance, and an exceptional borrower experience while meeting established turn‑time benchmarks. The candidate must be comfortable in a new department start‑up.

• Intake new loans, review, verify, and process HELOC and residential mortgage loan files from submission to closing.
• Order and review third‑party services including title reports, appraisals/AVMs, flood certifications, and property tax records.
• Analyze income documentation (W‑2s, tax returns, pay stubs, bank statements) to confirm application accuracy.
• Verify borrower credit reports, liabilities, and assets; identify and resolve discrepancies.
• Ensure HELOC credit line amounts and draw periods are structured per product guidelines.
• Prepare and submit complete loan packages to underwriting address conditions promptly.
• Coordinate closing disclosures (CD), right‑of‑rescission notices, and HELOC agreement documentation.

• Maintain strict adherence to RESPA, TILA, HMDA, Regulation Z, and state‑specific lending laws.
• Ensure timely issuance of required disclosures within regulatory deadlines (e.g., 3‑day rule, TRID).
• Maintain complete and audit‑ready loan files in the LOS (Loan Origination System).
• Flag potential fraud indicators and elevate to the compliance team as required.

• Serve as the primary point of contact for loan officers, borrowers, title companies, and settlement agents.
• Proactively communicate loan status, outstanding conditions, and projected closing dates.
• Collaborate with underwriters to resolve file deficiencies and obtain clear‑to‑close decisions.
• Coordinate closing schedules with title agents and notaries; confirm funding authorization.
• Manage a pipeline of 30–50+ active HELOC and mortgage files simultaneously.
• Monitor turn times against service‑level agreements (SLAs) and escape delays proactively.
• Track pipeline activity in the LOS and provide daily status…