H-1B Visa Loan Officer Jobs
Loan Officer roles qualify for H-1B visa sponsorship when the position requires a bachelor's degree in finance, economics, or a related field. Large banks, credit unions, and mortgage companies regularly file LCAs for this occupation. No lottery exemption applies, so timing your job search around the April registration window matters.
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Get Access To All JobsJOB SUMMARY
We are seeking an experienced Mortgage Broker / Mortgage Loan Officer to help clients identify suitable mortgage solutions based on their financial needs. The role involves managing the mortgage process from initial consultation through loan approval and closing while building relationships with borrowers, real estate professionals, and lending partners.
KEY RESPONSIBILITIES
- Consult with clients to understand their financial situations, home financing needs, and mortgage goals.
- Evaluate borrower financial information, income, credit profiles, and debt obligations.
- Recommend suitable mortgage products and financing options.
- Explain mortgage terms, interest rates, fees, repayment options, and loan requirements.
- Collect, review, and verify borrower documentation.
- Prepare and submit mortgage applications to appropriate lenders.
- Coordinate with lenders, underwriters, processors, and other parties throughout the loan process.
- Negotiate mortgage terms and identify suitable financing solutions.
- Guide borrowers through the application, underwriting, approval, and closing stages.
- Build relationships with real estate agents, referral partners, and lending institutions.
- Generate new business through networking, referrals, and mortgage marketing activities.
- Maintain accurate client records and ensure compliance with applicable lending regulations.
REQUIRED QUALIFICATIONS
- Active NMLS license and applicable Florida mortgage licensing.
- Experience as a Mortgage Broker, Mortgage Loan Officer, or Mortgage Loan Originator.
- Strong knowledge of residential mortgage products and lending processes.
- Understanding of conventional, FHA, VA, and other mortgage financing options.
- Knowledge of finance, debt consolidation, and borrower affordability assessments.
- Understanding of mortgage regulations, underwriting guidelines, and compliance requirements.
- Experience with mortgage loan origination systems (LOS) and CRM tools.
- Strong communication, negotiation, and customer service skills.
- Ability to manage multiple loan applications and meet deadlines.
PREFERRED EXPERIENCE
- Experience in mortgage brokerage and residential lending.
- Background in debt consolidation and refinancing solutions.
- Mortgage sales, marketing, and business development experience.
- Established relationships with real estate professionals and lending partners.
- Experience working with wholesale lenders and multiple mortgage programs.
IDEAL CANDIDATE
An NMLS-licensed mortgage professional with strong residential lending experience, knowledge of multiple mortgage products, and the ability to generate business, assess borrower needs, and manage loans from application through closing.
Benefits:
- Flexible schedule
- Work from home
Work Location: In person
JOB SUMMARY
We are seeking an experienced Mortgage Broker / Mortgage Loan Officer to help clients identify suitable mortgage solutions based on their financial needs. The role involves managing the mortgage process from initial consultation through loan approval and closing while building relationships with borrowers, real estate professionals, and lending partners.
KEY RESPONSIBILITIES
- Consult with clients to understand their financial situations, home financing needs, and mortgage goals.
- Evaluate borrower financial information, income, credit profiles, and debt obligations.
- Recommend suitable mortgage products and financing options.
- Explain mortgage terms, interest rates, fees, repayment options, and loan requirements.
- Collect, review, and verify borrower documentation.
- Prepare and submit mortgage applications to appropriate lenders.
- Coordinate with lenders, underwriters, processors, and other parties throughout the loan process.
- Negotiate mortgage terms and identify suitable financing solutions.
- Guide borrowers through the application, underwriting, approval, and closing stages.
- Build relationships with real estate agents, referral partners, and lending institutions.
- Generate new business through networking, referrals, and mortgage marketing activities.
- Maintain accurate client records and ensure compliance with applicable lending regulations.
REQUIRED QUALIFICATIONS
- Active NMLS license and applicable Florida mortgage licensing.
- Experience as a Mortgage Broker, Mortgage Loan Officer, or Mortgage Loan Originator.
- Strong knowledge of residential mortgage products and lending processes.
- Understanding of conventional, FHA, VA, and other mortgage financing options.
- Knowledge of finance, debt consolidation, and borrower affordability assessments.
- Understanding of mortgage regulations, underwriting guidelines, and compliance requirements.
- Experience with mortgage loan origination systems (LOS) and CRM tools.
- Strong communication, negotiation, and customer service skills.
- Ability to manage multiple loan applications and meet deadlines.
PREFERRED EXPERIENCE
- Experience in mortgage brokerage and residential lending.
- Background in debt consolidation and refinancing solutions.
- Mortgage sales, marketing, and business development experience.
- Established relationships with real estate professionals and lending partners.
- Experience working with wholesale lenders and multiple mortgage programs.
IDEAL CANDIDATE
An NMLS-licensed mortgage professional with strong residential lending experience, knowledge of multiple mortgage products, and the ability to generate business, assess borrower needs, and manage loans from application through closing.
Benefits:
- Flexible schedule
- Work from home
Work Location: In person
See all 145+ H-1B Visa Loan Officer Jobs
Sign up for free to unlock all listings, filter by visa type, and get alerts for new H-1B Visa Loan Officer Jobs.
Get Access To All JobsTips for Finding H-1B Visa Sponsorship in Loan Officer
Verify your degree satisfies specialty occupation
USCIS requires a direct connection between your degree field and the Loan Officer role. A finance, economics, or business degree strengthens your petition. A general studies degree may trigger an RFE, so gather transcripts and course descriptions now.
Target employers with active LCA filing history
Search Migrate Mate to filter Loan Officer postings by employers who have filed LCAs for this occupation code. Banks with consistent H-1B filing history are less likely to drop sponsorship mid-process than first-time sponsors.
Cross-check prevailing wage before negotiating salary
Use the OFLC Wage Search to look up the Level I through Level IV wage for your specific metro area before your offer call. Your employer's LCA must certify at or above that wage, so knowing the floor prevents surprises after an offer is extended.
Confirm your role matches the O*NET classification
Loan Officer maps to a specific O*NET occupation code. If your employer titles the role differently, for example Mortgage Consultant or Credit Analyst, confirm the duties align with the O*NET definition to avoid a specialty occupation challenge from USCIS.
Register in the H-1B lottery by late March
USCIS opens H-1B cap registration each year in late March for a roughly two-week window. Missing it means waiting a full year. Confirm your employer's HR or legal team has your passport details and is ready to submit your registration before the window opens.
Ask whether your employer uses premium processing
Standard H-1B processing can take several months. Premium processing gets USCIS adjudication within 15 business days. For Loan Officer roles with a hard start date tied to licensing or a team's pipeline, ask directly whether your employer will file Form I-907.
H-1B Visa Loan Officer: Frequently Asked Questions
Does a Loan Officer role qualify as a specialty occupation for H-1B purposes?
It can, but it's not automatic. USCIS evaluates whether the specific position normally requires a bachelor's degree in a directly related field like finance, economics, or accounting. Retail or consumer lending roles at large banks have a stronger track record than commission-only mortgage broker positions, where the degree requirement is harder to establish.
Which employers sponsor H-1B visas for Loan Officer positions?
Large national and regional banks, credit unions, and mortgage companies with dedicated HR and legal teams are the most consistent sponsors for this role. Smaller independent brokerages rarely have the infrastructure to navigate the LCA and I-129 filing process. Use Migrate Mate to filter Loan Officer postings by employers with verified H-1B filing history for this occupation.
Does holding a state lending license affect my H-1B petition?
Yes. Several states require a Mortgage Loan Originator license under the SAFE Act. If your role requires licensure, USCIS may treat that requirement as additional evidence of specialty occupation. However, some licenses require lawful status to obtain, so you and your employer need to sequence the petition and licensing steps carefully with legal counsel.
Can I switch Loan Officer employers while on H-1B?
Yes, through H-1B portability under AC21. Once your I-129 petition has been pending for 180 days or more, you can change to a new employer in a same or similar Loan Officer role without waiting for your current petition to be approved. Your new employer must file a new H-1B petition before you start.
How does the prevailing wage requirement affect Loan Officer H-1B sponsorship?
Your employer must certify on the LCA that it will pay you at least the DOL prevailing wage for your occupation, level, and geographic area. For Loan Officer roles, base salary structure matters more than commission potential, because USCIS and DOL evaluate guaranteed compensation. Check the OFLC Wage Search for your metro area's current wage levels before accepting any offer.