Front-End Loss Mitigation Specialist

Front-End Loss Mitigation Specialist

United Wholesale Mortgage

Front-End Loss Mitigation Specialist plays a key role in the early stages of mortgage delinquency management. This position is responsible for reviewing borrower situations, gathering financial information, educating borrowers on available options, and initiating loss mitigation strategies to avoid foreclosure. The specialist ensures compliance with investor, regulatory, and company guidelines while providing high-quality customer service.

• Contact borrowers at early stages of delinquency (30–60 days) via phone, email, and written communication to assess financial hardship and explain options.
• Gather and review borrower financials to determine eligibility for various loss mitigation solutions such as forbearance, repayment plans, loan modifications, and hardship assistance programs.
• Guide borrowers through the loss mitigation application process, ensure complete document submission, and provide regular status updates.
• Ensure all interactions and actions are documented in the servicing system according to CFPB, FHA, Fannie Mae, Freddie Mac, and other investor requirements.
• Collaborate with underwriting, collections, and customer service teams to ensure timely and accurate processing of loss mitigation requests.
• Educate borrowers on the consequences of non-payment and promote early intervention strategies to prevent foreclosure.
• Track application status, deadlines, and escalated accounts at risk of timeline violations or regulatory breaches.

• High school diploma or equivalent required; associate or bachelor’s degree preferred.
• 2+ years in mortgage servicing, loss mitigation, collections, or related financial services.
• Experience with investor guidelines (FHA, VA, Fannie Mae, Freddie Mac) strongly preferred.
• Strong understanding of mortgage delinquency, loss mitigation, and foreclosure prevention practices.
• Excellent communication, negotiation, and interpersonal skills.
• Proficient in mortgage servicing software (e.g., MSP, Black Knight) and Microsoft Office Suite.
• Ability to work under pressure and meet regulatory deadlines.
• Bilingual (Spanish/English) a plus.

• Paid Time Off (PTO) after just 30 days
• Additional parental and maternity leave benefits after 12 months
• Adoption reimbursement program
• Paid volunteer hours
• Paid training and career development
• Medical, dental, vision and life insurance
• 401k with employer match
• Mortgage discount and area business discounts
• Free membership to our large, state-of-the-art fitness center
• Wellness area, including in-house primary-care physician’s office, full-time massage therapist and hair salon
• Gourmet cafeteria featuring homemade breakfast and lunch
• Convenience store featuring healthy grab-and-go snacks
• In-house Starbucks and Dunkin
• Indoor/outdoor café with Wi-Fi

All the above duties and responsibilities are essential job functions subject to reasonable accommodation and change. All job requirements listed indicate the minimum level of knowledge, skills and/or ability deemed necessary to perform the job proficiently. Team members may be required to perform other or different job-related duties as requested by their team lead, subject to reasonable accommodation. This document does not create an employment contract, implied or otherwise.

Employment with UWM is "at-will." UWM is an Equal Opportunity Employer. By selecting “Apply for this job online” you provide consent to UWM to record phone call conversations between you and UWM to be used for quality control purposes.

Entry level

Full-time

Customer Service