Job Opportunities
INCLUSIVENESS STATEMENT:
HomeSight is an equal-opportunity employer with a very diverse staff. We seek to recruit, retain, and advance people of diverse backgrounds. We are committed to fostering and supporting a workplace culture inclusive of people regardless of race, ethnicity, national origin, gender, sexual orientation, socio-economic status, marital status, age, physical abilities, political affiliation, religious beliefs or any other non-merit fact.
HOMESIGHT EMPLOYEE BENEFITS:
Supervising Mortgage Loan Originator
POSITION SUMMARY
The Supervising Mortgage Loan Originator is a mission-driven, dual-role position responsible for both individual loan production and the supervision of a team of Mortgage Loan Originators. This individual will generate mortgage loan applications for borrowers underserved by mainstream lenders while providing leadership, coaching, and guidance to other MLOs to help them meet production goals and further our mission of promoting community development.
ESSENTIAL DUTIES & RESPONSIBILITIES:
Producing (Origination) Duties:
- Actively originate and evaluate residential mortgage loans, focusing on first-time homebuyers and clients in designated low to moderate income (LMI) and Majority-Minority Census Tracts.
- Provide comprehensive guidance to borrowers, from initial application through closing, ensuring a clear understanding of loan products and processes.
- Develop and cultivate relationships with realtors, community housing agencies, developers, and other referral networks to generate new lending opportunities.
- Analyze applicants’ financial data, including credit reports, income, and assets, to assess creditworthiness and determine eligibility for various loan products.
- Ensure timely and accurate submission of complete loan applications to the underwriting department.
- Maintain a robust knowledge of all mortgage products, regulations (including SAFE Act requirements), and industry trends.
Supervisory (Management) Duties:
- Lead, mentor, and motivate a team of MLOs, providing day-to-day support, training, and performance feedback.
- Conduct regular pipeline reviews with team members to ensure loans are progressing efficiently and deadlines are met.
- Recruit, onboard, and train new MLOs to support the growth and capacity of the mortgage lending team.
- Ensure the team’s compliance with all relevant federal, state, and local lending regulations and HomeSight’s internal policies and procedures.
- Plan and lead team meetings to disseminate information, share best practices, and foster a collaborative team environment.
HomeSight’s Mission-Related Duties:
- Proactively engage with community agencies and local events to expand outreach and meaningful connections with homebuyers in target markets.
- Ensure the team’s lending activities align with HomeSight ‘s primary mission of promoting community development and serving underserved populations.
- Work with flexible underwriting guidelines as needed, using sound judgment to mitigate risk and achieve mission-driven lending goals.
- Act as a representative of HomeSight in the community, participating in activities such as financial literacy and home-buying education programs.
REQUIREMENTS:
- A minimum of 5 years of experience as a Mortgage Loan Originator, with a proven track record of meeting or exceeding production goals.
- At least 2 years of experience in a lead/senior, supervisory or management role within a lending environment.
- Active and valid Mortgage Loan Originator (MLO) license through the Nationwide Mortgage Licensing System (NMLS).
- Expert knowledge of residential mortgage loan products, lending regulations, and the entire mortgage process.
- Proficiency in loan origination software (e.g., Encompass) and Microsoft Office Suite.
- Strong analytical, problem-solving, and decision-making skills.
- Exceptional interpersonal, communication, and customer service skills.
- Highly organized with the ability to problem-solve and effectively prioritize workload.
- Working knowledge of Microsoft Office programs and lending software.
- High School diploma or equivalent.
PREFERRED:
- Bachelor’s degree in a business-related field or equivalent professional experience.
- Experience with mission-driven lending or working in a Community Development Financial Institution (CDFI).
- Experience with FHA, Fannie Mae and Freddie Mac mortgage products and underwriting guidelines, WSHFC (Washington State Housing Finance Commission) product lines.
- Experience with Encompass and running Automated Underwriting System (AUS).
- Working knowledge of Salesforce.
Department: Homeownership Center
Reports to: Lending Operations Manager
Classification: Full-time, Non-exempt, Tier III, Hybrid
Salary: $75,000 base salary +DOE plus incentive pay
Mortgage Loan Originator/Loan Readiness Coordinator (Spokane)
POSITION SUMMARY
Habitat for Humanity–Spokane, in partnership with HomeSight, is seeking a dedicated, customer focused mortgage professional to join our team in a shared role that blends mortgage lending and homebuyer support responsibilities. This position serves customers underserved by mainstream lenders and provides guidance and education throughout the homeownership process. The ideal candidate combines strong customer service skills with lending expertise and a passion for helping families achieve sustainable homeownership.
This position is based in Spokane, WA and requires quarterly travel to Seattle, WA.
ESSENTIAL DUTIES & RESPONSIBILITIES
- Develop and maintain relationships with realtors, brokers, builders, and developers to originate well-documented residential mortgages.
- Participate in outreach and business development activities to expand mortgage lending opportunities.
- Represent Habitat for Humanity-Spokane and HomeSight at community events.
- Contact potential and existing customers to generate new business and retain current clients.
- Interview applicants to gather information on financial needs, objectives, and status; obtain and analyze pertinent financial and credit data.
- Independently structure loan deals, including down payment assistance and grant programs, ensuring customers are placed in the best loan program for their situation.
- Maintain consistent communication throughout the loan process with all involved parties to ensure timely appraisals, credit decisions, and funding, resolving issues as they arise.
- Maintain thorough knowledge of program and product policies, including conventional, FHA, and homebuyer assistance programs, and provide accurate, updated information to customers and business sources.
- Monitor new business to ensure compliance with investor and program standards.
- Assist with the pre-closing and closing process, starting at the signing of Purchase and Sale contracts.
- Draft Purchase and Sale Agreements and amendments as needed.
- Create and manage loan applications in Calyx software and submit complete loan packets to third-party lenders via secure portals.
- Meet with future homeowners to collect documentation required for loan applications and throughout the closing process.
- Coordinate with lenders to provide additional documentation as required.
- Update notes in the organizational database and dashboards to track progress with current and prospective homeowners.
- Partner with the Chief Program Officer to prepare documentation for grant applications and compliance reporting.
- Prepare all documents required for homeowner closings, including Promissory Notes, Deeds of Trust, Subordinate Deeds, and Bargain and Sale Deeds.
- Coordinate with title companies, lenders, and homeowners to schedule document signings and closing meetings, ensuring deadlines are met.
- Conduct pre-closing meetings with families to review documents and procedures.
- Schedule property inspections as needed.
- Maintain hard copy and electronic files for all closed loans and homeowner documentation.
- Document closing details in database software and complete reconveyance/release of Deeds of Trust upon home payoffs in Habitat-Spokane’s portfolio.
- Maintain Federal and State Qualified Loan Originator (QLO) Certification.
REQUIREMENTS
- High school diploma or equivalent.
- Loan Originator license through NMLS, or a commitment to obtain the license within the first 90 days.
- General understanding of federal and state lending regulatory and compliance requirements.
- Ability to learn new programs and products quickly.
- Effective oral and written communication skills.
- Highly organized with strong problem-solving skills and the ability to prioritize workload effectively.
- Working knowledge of Microsoft Office programs.
PREFERRED
- Experience with FHA, Fannie Mae, and Freddie Mac mortgage products and underwriting guidelines; familiarity with Washington State Housing Finance Commission (WSHFC) product lines is a plus.
- Experience using Encompass and running Automated Underwriting Systems (AUS).
- Working knowledge of Salesforce.
- Fluency in Spanish is preferred.
Department: HomeSight Homeownership Center
Reports to: HomeSight Lending Operations Manager
Location: Habitat for Humanity, Spokane, WA (Onsite)
Classification: Full-time, Non-exempt, Tier II
Compensation: $70,000 base salary plus incentive pay