Mortgage Consultant Jobs in USA with Visa Sponsorship
Mortgage Consultant roles can be sponsored under the H-1B visa when the position qualifies as a specialty occupation requiring a finance, business, or economics degree. Employers in banking, credit unions, and mortgage firms have a track record of sponsoring this role. For detailed occupation requirements, see the O*NET profile.
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1101 Pacific Avenue - Tacoma, Washington 98402
Job Summary
The Mortgage Loan Officer (MLO) assists clients with the origination of residential mortgage loans, including providing analysis and advice to current and prospective clients on home lending solutions that meet their needs and financial objectives. The MLO is expected to develop referrals as a means to grow Key's home lending business and client base. The MLO is expected to meet or exceed established sales goals while maintaining high standards of client satisfaction and loan quality.
Essential Functions
- Prospect home lending business to build and develop new client loan originations and relationships.
- Originate and process a targeted number of family residential real estate mortgage transactions in accordance with Home Lending process and product guidelines.
- Provide clients with detailed information about various mortgage options, interest rates, and terms to help them make informed decisions.
- Gather documents at the time of registering a loan and remain the primary point of contact for the client during the loan process.
- Maintain high standards of client satisfaction and quality, ensuring sales/originator systems and workflows are efficiently controlled.
- Develop and maintain deep knowledge of KeyBank products, services, and competitive offerings.
- Maintain proficiency on sales/originator systems and develop efficient workflows.
- Keep informed of trends and developments in the real estate market and mortgage industry.
- Works in a branch environment to provide in-person client services 4+ days/week, to include participating in morning huddles and end of day debriefs on targeted days.
- Performs other duties as assigned; duties, responsibilities and/or activities may change or new ones may be assigned at any time with or without notice.
- Complies with all KeyBank policies and procedures, including without limitation, acting professionally at all times, conducting business ethically, avoiding conflicts of interest, and acting in the best interests of Key’s clients and Key.
Education
Bachelor's Degree in a business-related field or equivalent experience (preferred)
Work Experience
3+ years Experience as a loan officer in 1st mortgage production (preferred)
3+ years Working knowledge of FNMA, FHLMC, FHA, VA, TIL regulations, Equal Credit Opportunity Act, RESPA regulations, local and state real estate and finance laws (preferred)
Skills
- Excellent communication skills, both written and verbal.
- Strong customer service skills.
- Proficient in sales and service skills, including tele-consulting, prospecting, networking, and COI relationship management.
- Demonstrate strong financial acumen by understanding the business priorities of clients, analyzing market trends, and providing strategic advice on mortgage products and lending solutions.
- Generate new mortgage business and manage the loan origination process from initial application through to closing.
- Navigate the home mortgage process, from application to closing, providing advice on interest rates and repayment terms.
- Build partnerships with real estate agents and financial advisors.
Core Competencies
All KeyBank employees are expected to demonstrate Key’s Values and sustain proficiency in identified Leadership Competencies.
Physical Demands
General Office - Prolonged sitting, ability to communicate face to face in person or on the phone with teammates and clients, frequent use of PC/laptop, occasional lifting/pushing/pulling of backpacks, computer bags up to 10 lbs.
Driving Requirements
May need to drive to multiple locations in a single day; ability to operate a motor vehicle with a valid driver's license required.
COMPENSATION AND BENEFITS
This position is eligible to earn commission and deferred incentive compensation.
Please click here for a list of benefits for which this position is eligible.
Job Posting Expiration Date: 09/01/2026
KeyCorp is an Equal Opportunity Employer committed to sustaining an inclusive culture. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, genetic information, pregnancy, disability, veteran status or any other characteristic protected by law. Qualified individuals with disabilities or disabled veterans who are unable or limited in their ability to apply on this site may request reasonable accommodations by emailing HR_Compliance@keybank.com.
Location:
1101 Pacific Avenue - Tacoma, Washington 98402
Job Summary
The Mortgage Loan Officer (MLO) assists clients with the origination of residential mortgage loans, including providing analysis and advice to current and prospective clients on home lending solutions that meet their needs and financial objectives. The MLO is expected to develop referrals as a means to grow Key's home lending business and client base. The MLO is expected to meet or exceed established sales goals while maintaining high standards of client satisfaction and loan quality.
Essential Functions
- Prospect home lending business to build and develop new client loan originations and relationships.
- Originate and process a targeted number of family residential real estate mortgage transactions in accordance with Home Lending process and product guidelines.
- Provide clients with detailed information about various mortgage options, interest rates, and terms to help them make informed decisions.
- Gather documents at the time of registering a loan and remain the primary point of contact for the client during the loan process.
- Maintain high standards of client satisfaction and quality, ensuring sales/originator systems and workflows are efficiently controlled.
- Develop and maintain deep knowledge of KeyBank products, services, and competitive offerings.
- Maintain proficiency on sales/originator systems and develop efficient workflows.
- Keep informed of trends and developments in the real estate market and mortgage industry.
- Works in a branch environment to provide in-person client services 4+ days/week, to include participating in morning huddles and end of day debriefs on targeted days.
- Performs other duties as assigned; duties, responsibilities and/or activities may change or new ones may be assigned at any time with or without notice.
- Complies with all KeyBank policies and procedures, including without limitation, acting professionally at all times, conducting business ethically, avoiding conflicts of interest, and acting in the best interests of Key’s clients and Key.
Education
Bachelor's Degree in a business-related field or equivalent experience (preferred)
Work Experience
3+ years Experience as a loan officer in 1st mortgage production (preferred)
3+ years Working knowledge of FNMA, FHLMC, FHA, VA, TIL regulations, Equal Credit Opportunity Act, RESPA regulations, local and state real estate and finance laws (preferred)
Skills
- Excellent communication skills, both written and verbal.
- Strong customer service skills.
- Proficient in sales and service skills, including tele-consulting, prospecting, networking, and COI relationship management.
- Demonstrate strong financial acumen by understanding the business priorities of clients, analyzing market trends, and providing strategic advice on mortgage products and lending solutions.
- Generate new mortgage business and manage the loan origination process from initial application through to closing.
- Navigate the home mortgage process, from application to closing, providing advice on interest rates and repayment terms.
- Build partnerships with real estate agents and financial advisors.
Core Competencies
All KeyBank employees are expected to demonstrate Key’s Values and sustain proficiency in identified Leadership Competencies.
Physical Demands
General Office - Prolonged sitting, ability to communicate face to face in person or on the phone with teammates and clients, frequent use of PC/laptop, occasional lifting/pushing/pulling of backpacks, computer bags up to 10 lbs.
Driving Requirements
May need to drive to multiple locations in a single day; ability to operate a motor vehicle with a valid driver's license required.
COMPENSATION AND BENEFITS
This position is eligible to earn commission and deferred incentive compensation.
Please click here for a list of benefits for which this position is eligible.
Job Posting Expiration Date: 09/01/2026
KeyCorp is an Equal Opportunity Employer committed to sustaining an inclusive culture. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, genetic information, pregnancy, disability, veteran status or any other characteristic protected by law. Qualified individuals with disabilities or disabled veterans who are unable or limited in their ability to apply on this site may request reasonable accommodations by emailing HR_Compliance@keybank.com.
See all 663+ Mortgage Consultant Jobs
Sign up for free to unlock all listings, filter by visa type, and get alerts for new Mortgage Consultant roles.
Get Access To All JobsTips for Finding Visa Sponsorship as a Mortgage Consultant
Target employers with an H-1B filing history
Banks, mortgage lenders, and credit unions that have sponsored H-1B workers before are your strongest leads. A history of filings signals familiarity with the process and a lower risk of an employer rejecting sponsorship out of uncertainty.
Confirm your degree aligns with the role
USCIS requires a direct relationship between your degree field and the job. A bachelor's in finance, business administration, or economics is the strongest fit. A general management or unrelated degree can create specialty occupation challenges during adjudication.
Expect the specialty occupation question to come up
Mortgage Consultant is not automatically approved as a specialty occupation. Be prepared for your employer's attorney to document why the role requires at least a bachelor's degree in a specific field, not just any degree or experience.
State licensing requirements strengthen your petition
Most states require Mortgage Loan Originators to hold an NMLS license, which itself requires financial knowledge. Your employer's attorney can cite state licensing requirements as evidence the role demands specialized, degree-level expertise in a relevant field.
Negotiate sponsorship terms before accepting an offer
Clarify upfront whether the employer covers H-1B filing fees, premium processing, and attorney costs. Some employers split costs or pass certain fees to employees. Understanding this before signing avoids surprises once the petition process begins.
Apply through the H-1B lottery with enough lead time
Cap-subject H-1B petitions must be registered in March for an October start date. Plan your job search timeline accordingly so you have an offer in hand before the registration window opens, giving your employer time to prepare.
Frequently Asked Questions
Can a Mortgage Consultant role qualify as an H-1B specialty occupation?
Yes, but it requires documentation. USCIS looks for evidence that the job normally requires a bachelor's degree in a specific field such as finance, economics, or business. Roles where a degree in any field satisfies the requirement, or where experience substitutes freely, face higher RFE rates. Employers who frame the role around financial analysis, regulatory compliance, and structured credit assessment tend to fare better.
What visa options exist for Mortgage Consultants beyond the H-1B?
Australian citizens can pursue the E-3 visa, which has no lottery and a faster timeline. Canadian and Mexican citizens may qualify under the TN visa in the finance professional category. For applicants with extraordinary achievement, the O-1A is possible but rarely applies to this role. The H-1B visa remains the most common pathway for other nationalities. Browse open Mortgage Consultant roles with sponsorship on Migrate Mate to see which visa types employers are currently filing.
Do I need an NMLS license to get sponsored as a Mortgage Consultant?
You do not need it before sponsorship, but you will need it to legally originate loans once employed. Most employers initiate the H-1B petition while you complete NMLS licensing in parallel. Some states require licensing before you can work with clients, so confirm the state-specific timeline with your employer to avoid a gap between your start date and when you can actively practice.
How common is H-1B sponsorship for Mortgage Consultant roles?
It is less common than in software or engineering, but it does happen. Large financial institutions including national banks and mortgage companies have sponsored the title under H-1B. Approval rates for finance-related specialty occupation petitions are lower than for STEM roles, and RFE rates are higher. Firms with dedicated immigration counsel and a history of successful finance petitions are significantly better equipped to navigate adjudication.
Does a three-year bachelor's degree from outside the U.S. qualify for H-1B sponsorship?
It can, but it requires a credential evaluation. USCIS accepts foreign three-year degrees when a credential evaluator determines they are equivalent to a U.S. four-year bachelor's degree, often based on combined academic study and professional experience. Australian, Indian, and UK three-year degrees are commonly evaluated this way. Your employer's immigration attorney will typically arrange or advise on the evaluation as part of petition preparation.
What is the prevailing wage requirement for sponsored Mortgage Consultant jobs?
U.S. employers sponsoring a visa must pay at least the prevailing wage, which is what workers in the same role, area, and experience level typically earn. The Department of Labor sets this rate to make sure companies aren't hiring foreign workers simply because they'd accept lower pay than a U.S. worker. It varies by job title, location, and experience. You can look up current prevailing wage rates for any occupation and location using the OFLC Wage Search page.