Mortgage Specialist Jobs
Mortgage Specialist jobs are open across retail banking, credit unions, mortgage companies, and fintech lenders, at every level from junior loan officer to senior specialist and team lead, with specializations in residential lending, refinancing, and commercial mortgages. Find a role that fits from the openings below and apply directly.
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About Us
HomeTown Lending is a fast-growing independent mortgage brokerage focused on delivering a seamless, efficient, and transparent loan experience. We are seeking an experienced Mortgage Closer & QC Specialist to join our high-performance operations team.
Position Overview
We’re looking for a detail-oriented, deadline-driven Mortgage Closer & QC Specialist who has hands-on experience closing and balancing mortgage loans. This dual-role position is critical to ensuring that all loans are properly prepared for closing, funds are disbursed accurately, and quality control reviews are completed post-close.
Responsibilities: Closing & Balancing
- Prepare and deliver complete, compliant closing packages using our LOS (Arive).
- Balance the Closing Disclosure (CD) with title/escrow prior to funding.
- Confirm wire instructions, borrower cash-to-close, and final figures.
- Coordinate with title companies and loan officers to meet closing deadlines.
- Review and approve funding conditions for same-day disbursements.
- Ensure timely delivery of closing documents to all parties.
Post-Close Quality Control
- Conduct detailed post-close audits to verify documentation and compliance.
- Confirm that signed closing documents are accurate and complete.
- Identify and correct deficiencies prior to delivery to investors (e.g., UWM).
- Ensure data consistency between LOS, disclosures, and final loan documents.
- Assist with suspense resolution and loan purchase conditions.
Qualifications
- 2+ years of experience in mortgage closing and CD balancing is required.
- Strong knowledge of TRID, CD reconciliation, and investor guidelines.
- Familiarity with Arive LOS and UWM or other wholesale investor platforms.
- Comfortable working in a fast-paced, high-volume environment.
- Meticulous attention to detail and excellent organizational skills.
- Strong communication skills and a proactive problem-solver mindset.
Tools You'll Use
- Arive LOS
- UWM & wholesale investor portals
- Adobe / DocuSign
- Google Workspace or Microsoft Office
Job Type: Full-time
Pay: $40,000.00 - $50,000.00 per year
Work Location: In person
Mortgage Specialist Jobs by Experience Level
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Who's Hiring
Top Industries Hiring
- Banking & Financial Services
- Insurance
What Employers Look For
The qualifications that appear most often in mortgage specialist jobs.
- Active NMLS Mortgage Loan Originator license with state-specific endorsement
- Experience originating or processing conventional, FHA, VA, or USDA loans
- Proficiency with loan origination software such as Encompass, Calyx, or Blend
- Strong knowledge of underwriting guidelines, compliance regulations, and TRID requirements
- Proven ability to build and maintain a referral network with real estate agents and builders
- Bachelor's degree in finance, business, or a related field, or equivalent work experience
Tips for Your Mortgage Specialist Job Search
Tailor your resume for loan volume
Mortgage specialist resumes live or die on production numbers. Quantify your closed loan volume, average loan size, and pull-through rate by quarter. Hiring managers in this field scan for those figures before reading anything else on your resume.
Get your NMLS license current before applying
Most residential mortgage specialist roles require an active NMLS license with your state endorsement. Confirm your license is current and your continuing education hours are logged before submitting applications, so nothing stalls an offer at the background-check stage.
Apply early to roles that fit
Migrate Mate lists mortgage specialist openings from across the United States in one place, so you can find roles that match and apply directly to each listing.
Target openings that match your loan type
Retail bank postings, wholesale lender roles, and credit union positions reward different experience. Filter your search by loan type, whether conventional, FHA, VA, or jumbo, so your application matches what that employer actually underwrites and originates.
Prepare a pipeline scenario for interviews
Interviewers at mortgage companies routinely ask you to walk through how you build and work a referral pipeline. Prepare a concrete example covering your referral sources, follow-up cadence, and how you convert a lead into a closed loan.
Negotiate commission structure, not just base pay
Most mortgage specialist compensation packages blend a base with a per-loan or basis-point commission. Before accepting an offer, ask how splits are calculated on purchased versus refinance loans and whether there is a minimum monthly production threshold to retain your draw.
Mortgage Specialist Jobs: Frequently Asked Questions
Which companies are hiring the most mortgage specialists?
The companies hiring the most mortgage specialists right now include Burke & Herbert Bank & Trust, Mastercard, and AD Mortgage, with the largest share of openings in Texas, Florida, and Indiana, based on current listings on Migrate Mate as of November 2026. Retail banks, credit unions, and independent mortgage companies tend to post the highest volume of specialist roles year-round.
How many mortgage specialist jobs are remote?
About 52% of mortgage specialist openings are fully remote or hybrid as of November 2026, with most of those positions in refinancing, loan processing support, and inside sales origination rather than branch-based purchase lending. Roles tied to in-person borrower relationships and local real estate markets remain predominantly on-site or hybrid.
How do you become a mortgage specialist?
Start by completing your pre-licensing education hours required by your state and passing the NMLS SAFE Mortgage Loan Originator exam. Submit your application through the NMLS, clear the background and credit check, and obtain your state endorsement. Most candidates then enter an entry-level loan officer or processor role to build origination experience before moving into a full specialist position.
Can you get hired as a mortgage specialist with little experience?
Yes, many retail banks and credit unions hire candidates with no direct mortgage experience into trainee or junior loan officer roles, particularly if you hold a finance or business degree and can pass your NMLS licensing exam. Highlighting customer service, sales, or banking experience shifts the conversation from what you have not done to what you can already bring to a borrower relationship.
What does the mortgage specialist interview process look like?
Most mortgage specialist interviews run two to three rounds. The first is typically a phone screen with a recruiter or branch manager covering your licensing status and production background. A second round focuses on scenario questions about handling a difficult borrower, managing a pipeline, or explaining a loan product. Some employers add a final conversation with a regional sales leader before extending an offer.
Where can I find and apply to mortgage specialist jobs?
You can find and apply to mortgage specialist jobs on Migrate Mate, which lists current openings from employers across the United States. Search the listings to find roles that match your license type, loan specialty, and preferred location, then apply directly to each position that fits. No step is required between finding a role and submitting your application.
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