Green Card Mortgage Specialist Jobs
Mortgage Specialist roles qualify for EB-2 and EB-3 green card sponsorship when employers file PERM labor certification with the DOL, confirming no qualified U.S. worker is available. Financial services firms with established immigration programs regularly sponsor foreign lending professionals for permanent residency.
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Get Access To All JobsRequired Qualifications: Candidates must possess both of the following active certifications and have recent experience underwriting FHA and VA mortgage loans:
- Active FHA Direct Endorsement (DE) Certification
- Active VA LAPP/SAR Certification
- Proven experience underwriting both FHA and VA mortgage loans
Candidates who do not hold certifications will not be considered.
Overview:
Responsible for the completion of internal audits and communicating results to loan production offices and management; maintain current knowledge of both internal and external policy, procedures and guidelines; evaluate trend pattern analysis and identify fraud/misrepresentation.
Primary Responsibilities:
- Evaluate a selected number of loans on a monthly basis to ensure accuracy, adherence to procedures, and compliance with Bank standards.
- Perform both pre-funding and post-funding Quality Control reviews to include review of underwriting guidelines and product pages applicable to each loan reviewed, re-verification of specific contents of the loan file, ordering and review of field review appraisals, communication of potential defects to applicable parties and updating of QC system.
- Exercise judgment when utilizing escalation process.
- Conduct special audits as required in response to requests from Audit, Mortgage Management, and/or any regulatory agency.
- Identify red flags and conduct additional due diligence when applicable.
- Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies.
- Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable.
- Promote an environment that supports belonging and reflects the M&T Bank brand.
- Complete other related duties as assigned.
Education and Experience Required:
Associate’s degree with minimum 4 years’ mortgage/underwriting experience,
OR in lieu of a degree,
A combined minimum of 6 years’ higher education and/or work experience, including a minimum of 4 years’ mortgage/underwriting experience.
Working knowledge of agency guidelines.
Ability to work well with all levels of management.
Excellent verbal and written communication skills.
Proven customer service skills.
Demonstrated ability to work well under pressure.
Education and Experience:
FHA DE and VA LAPP certifications.
Proficient in Allregs, Microsoft Excel and Word.
Experience in both Retail and 3rd party originations.
M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $54,100.00 - $90,100.00 Annual (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation. The range listed above corresponds to our national pay range for this role. The specific pay range applicable to you may vary based on your location.
Location
Clanton, Alabama, United States of America
Required Qualifications: Candidates must possess both of the following active certifications and have recent experience underwriting FHA and VA mortgage loans:
- Active FHA Direct Endorsement (DE) Certification
- Active VA LAPP/SAR Certification
- Proven experience underwriting both FHA and VA mortgage loans
Candidates who do not hold certifications will not be considered.
Overview:
Responsible for the completion of internal audits and communicating results to loan production offices and management; maintain current knowledge of both internal and external policy, procedures and guidelines; evaluate trend pattern analysis and identify fraud/misrepresentation.
Primary Responsibilities:
- Evaluate a selected number of loans on a monthly basis to ensure accuracy, adherence to procedures, and compliance with Bank standards.
- Perform both pre-funding and post-funding Quality Control reviews to include review of underwriting guidelines and product pages applicable to each loan reviewed, re-verification of specific contents of the loan file, ordering and review of field review appraisals, communication of potential defects to applicable parties and updating of QC system.
- Exercise judgment when utilizing escalation process.
- Conduct special audits as required in response to requests from Audit, Mortgage Management, and/or any regulatory agency.
- Identify red flags and conduct additional due diligence when applicable.
- Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies.
- Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable.
- Promote an environment that supports belonging and reflects the M&T Bank brand.
- Complete other related duties as assigned.
Education and Experience Required:
Associate’s degree with minimum 4 years’ mortgage/underwriting experience,
OR in lieu of a degree,
A combined minimum of 6 years’ higher education and/or work experience, including a minimum of 4 years’ mortgage/underwriting experience.
Working knowledge of agency guidelines.
Ability to work well with all levels of management.
Excellent verbal and written communication skills.
Proven customer service skills.
Demonstrated ability to work well under pressure.
Education and Experience:
FHA DE and VA LAPP certifications.
Proficient in Allregs, Microsoft Excel and Word.
Experience in both Retail and 3rd party originations.
M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $54,100.00 - $90,100.00 Annual (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation. The range listed above corresponds to our national pay range for this role. The specific pay range applicable to you may vary based on your location.
Location
Clanton, Alabama, United States of America
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Get Access To All JobsTips for Finding Green Card Sponsorship as a Mortgage Specialist
Align your credentials to specialty occupation standards
PERM-sponsored Mortgage Specialist roles typically require a bachelor's degree in finance, economics, or a related field. Gather official transcripts and, if your degree is foreign, secure a credential evaluation before approaching employers.
Target banks and lenders with PERM filing history
Regional banks, mortgage banks, and credit unions are more likely to have in-house immigration counsel and established PERM workflows than small independent brokerages. Prioritize institutions large enough to absorb multi-year sponsorship costs.
Search green card sponsoring employers on Migrate Mate
Use Migrate Mate to filter Mortgage Specialist openings by employers with active employment-based green card sponsorship history, saving you from cold-approaching firms that have never filed PERM.
Verify the prevailing wage before negotiating your offer
Your employer must pay at least the DOL-determined prevailing wage for your specific location and job level. Look up the figure using the OFLC Wage Search before signing an offer so the certified LCA wage meets your expectations.
Clarify PERM timing during the offer stage
Ask directly whether the employer will initiate PERM within your first year. The full PERM-to-green-card process can exceed two years, and starting late compounds waiting time, particularly if your priority date backlog grows.
Maintain continuous lawful status throughout the I-140 stage
USCIS requires that you hold valid work authorization from PERM filing through I-140 approval and adjustment of status. A lapse in status, even brief, can pause your green card case and force your employer to restart recruitment.
Green Card Mortgage Specialist: Frequently Asked Questions
Do Mortgage Specialist roles actually qualify for EB-2 or EB-3 green card sponsorship?
Yes. Mortgage Specialist positions that require a bachelor's degree in finance, economics, or a closely related field qualify under EB-3 as skilled professionals. If the role demands an advanced degree or you hold specialized credentials that set you apart, EB-2 classification may apply. The employer files PERM labor certification with the DOL to begin the process either way.
How does green card sponsorship differ from H-1B sponsorship for a Mortgage Specialist?
Green card sponsorship through PERM is permanent, not temporary. There is no annual lottery at the EB-3 level for most countries, and the employer's commitment is to your permanent residency rather than a capped three-year status. The tradeoff is time: the PERM recruitment, I-140 petition, and adjustment of status can take two to four years combined, compared to a few months for H-1B visa approval.
What does the PERM labor certification process require of the employer?
The employer must conduct a formal recruitment campaign documented with DOL, demonstrating that no qualified U.S. worker is available for your Mortgage Specialist role at the prevailing wage. This includes placing job ads, reviewing applications, and logging rejection reasons. Only after recruitment is complete can they file the ETA-9089 form with OFLC. You are not involved in this filing directly.
How do I find Mortgage Specialist jobs where the employer is already willing to sponsor a green card?
Most job postings don't advertise green card sponsorship explicitly, so identifying the right employers requires looking at actual PERM filing history. Migrate Mate surfaces Mortgage Specialist openings filtered by employers with documented employment-based sponsorship activity, letting you direct your applications where sponsorship is a realistic outcome rather than a speculative ask.
Can I switch employers after my I-140 is approved without losing my priority date?
Yes, in most cases. Once your I-140 has been approved for at least 180 days and your adjustment of status application has been pending for at least 180 days, portability rules under AC21 allow you to move to a similar Mortgage Specialist or financial services role without restarting from PERM. USCIS will evaluate whether the new role is in the same or a substantially similar occupational classification.