Mortgage Consultant Jobs in USA with Visa Sponsorship
Mortgage Consultant roles qualify for H-1B visa sponsorship as a specialty occupation requiring a finance or business degree. Employers file a Labor Condition Application before you start, certifying prevailing wage compliance. Banking and mortgage companies with active LCA filing history are your best targets for a sponsored offer. For detailed occupation requirements, see the O*NET profile.
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Get Access To All JobsMortgage Consultant - Capital City Home Loans
Hours: Mon - Fri 40 Hours
General Summary
The Mortgage Consultant’s primary duty is to secure sales of Capital City Home Loans’ mortgage loan products and services by pro-actively marketing and promoting those products and services. In doing so, the Mortgage Consultant customarily and regularly works away from Capital City Home Loans’ office or his or her home office to meet with prospective customers and continually identify, develop and maintain a quality network of business relationships that serves as a recurring source of referrals for new mortgage lending opportunities. A Mortgage Consultant's network may consist of Real Estate professionals, Builders, professional and personal contacts, as well as other valuable referral sources, who the Mortgage Loan Consultant meets with on regular basis, and is enhanced by the Mortgage Consultant's regularly attending and participating in business related development opportunities, community efforts to promote homeownership, and professional organizations.
The Mortgage Consultant represents the company in a professional and enthusiastic manner by providing an exceptional level of client service, supporting and adhering to our core values in all functions of the job responsibilities and interaction with internal and external clients. In doing so, the Mortgage Consultant responds to client inquiries and referrals in a timely manner. The Mortgage Consultant conducts interviews with prospective borrowers in order to analyze financial and credit data, determine client financing objectives, advise clients of product/pricing policies and guidelines, and gather any additional required information. The Mortgage Consultant ensures exceptional client service by maintaining thorough knowledge of lending programs, policies, procedures and regulatory requirements, demonstrating a commitment to professional ethics, complying with all Federal and State compliance policies and adhering to HMDA requirements.
This position has direct responsibility for employment decisions.
In compliance with the S.A.F.E. Act, registration in the NMLS Registry is required.
All associates at Capital City Bank, Capital City Wealth, and Capital City Home Loans have access to confidential client information and must practice discretion and ensure required confidentiality at all times.
Principal Duties and Responsibilities
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
- Markets and promotes Capital City Home Loans financial products to their business community including builders/developers, real estate brokers, financial institutions, friends, and family.
- Ensures exceptional client service experience by overseeing loan process from origination to close and providing on-going communication to clients and business partners.
- Collects and analyses financial documentation from the borrower and advises the potential borrower of their lending options.
- Recommends the appropriate loan program based on the borrowers needs and financial circumstances including credit history, assets, debts, investments, and amount of the loan.
- Ensures loan application is complete, legible, signed and detailed prior to submission.
- Collects supporting loan documentation as required and provide complete package to Processer.
- Obtain the Capital City Home Loans’ Float/Lock Letter at the time of the loan application with the float or lock portion completed.
- Locks the loan with secondary marketing via the lock desk and responds timely to all calls regarding interest rates.
- Work with Processors to ensure all loan conditions are met.
- Develop Business Referral Network from outside sources such as attending networking activities, prospecting, cold-calling and marketing.
- Participate in community efforts to promote home ownership.
- Attend and complete all Capital City Home Loans required training.
Employer determines the essential functions of the job.
All associates must understand and adhere to the non-negotiable Banker Standards and commit to practicing SGNNT (smile, greet, name, name, thank you) at all times. Associates will consistently follow policies and procedures as established by Capital City Bank and Capital City Home Loans, with department managers setting the standard.
Associated Duties
Provides additional support to manager and department colleagues.
Completes all assigned/required Bank training within established timelines.
Knowledge, Skills and Abilities (KSAs) Required
The following KSAs are usually acquired through work experience and/or specialized course(s):
- Responsible for knowing product manuals and understanding all company loan programs and their requirements.
- Responsible for staying up to date on federal, state, and local laws, regulations, FNMA, FHLMC, FHA, USDA and VA as they pertain to the mortgage lending industry.
- Ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences.
- Solid time management skills and the ability to organize, prioritize and perform multiple tasks simultaneously.
- Ability to analyze and comprehend complex financial data and provide financial alternatives.
- Strong computer skills.
- Professional and effective interpersonal skills.
- Demonstrated understanding of mortgage processing, underwriting and closing procedures.
Education
Bachelor’s Degree from an accredited college required. Minimum of 1-year residential mortgage lending experience with a focus on generating self-sourced business. Relevant experience may substitute for the education requirement.
Verifiable, established network of referral business including Real Estate professionals and other centers of influence. Successful completion of in-house training program or other approved training program will be considered.
Working Conditions
- The Mortgage Consultant will primarily work outside of any Capital City Home Loans’ office to meet with and develop referral sources and potential customers at their offices, homes, and outside functions.
- In the rare instance of a major or extensive natural disaster, epidemic or pandemic occurrence, or other disruption within our footprint, it may be necessary for associates to relocate or telecommute before, during or after, to ensure business continuity.
Capital City Bank associates are our greatest asset. We offer the following benefits
- Medical, Dental and Vision
- Life Insurance
- 401(k) with Matching
- Flexible Spending Accounts
- Tuition Assistance
- Stock Purchase
- Discounts on Products and Services
EOE/Protected Veterans/Disabled/Drug Free
The above declarations are not intended to be an “all-inclusive” list of the duties and responsibilities of the job described nor are they intended to be such a listing of the skills and abilities required to do the job. Rather, they are intended only to describe the general nature of the job.
THIS JOB DESCRIPTION DOES NOT CONSTITUTE AN EMPLOYMENT AGREEMENT. This job description does not restrict Capital City Bank, Capital City Wealth, and Capital City Home Loans from the ability to assign, reassign or eliminate duties and responsibilities of this job at any time. This job description describes the current assignment of essential functions. These functions may change at any time as the needs of the Bank or department change or for other reasons deemed appropriate.
Experience
Preferred* Please indicate work experience when applying.
Education
Required* Bachelors or better
Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.
Mortgage Consultant - Capital City Home Loans
Hours: Mon - Fri 40 Hours
General Summary
The Mortgage Consultant’s primary duty is to secure sales of Capital City Home Loans’ mortgage loan products and services by pro-actively marketing and promoting those products and services. In doing so, the Mortgage Consultant customarily and regularly works away from Capital City Home Loans’ office or his or her home office to meet with prospective customers and continually identify, develop and maintain a quality network of business relationships that serves as a recurring source of referrals for new mortgage lending opportunities. A Mortgage Consultant's network may consist of Real Estate professionals, Builders, professional and personal contacts, as well as other valuable referral sources, who the Mortgage Loan Consultant meets with on regular basis, and is enhanced by the Mortgage Consultant's regularly attending and participating in business related development opportunities, community efforts to promote homeownership, and professional organizations.
The Mortgage Consultant represents the company in a professional and enthusiastic manner by providing an exceptional level of client service, supporting and adhering to our core values in all functions of the job responsibilities and interaction with internal and external clients. In doing so, the Mortgage Consultant responds to client inquiries and referrals in a timely manner. The Mortgage Consultant conducts interviews with prospective borrowers in order to analyze financial and credit data, determine client financing objectives, advise clients of product/pricing policies and guidelines, and gather any additional required information. The Mortgage Consultant ensures exceptional client service by maintaining thorough knowledge of lending programs, policies, procedures and regulatory requirements, demonstrating a commitment to professional ethics, complying with all Federal and State compliance policies and adhering to HMDA requirements.
This position has direct responsibility for employment decisions.
In compliance with the S.A.F.E. Act, registration in the NMLS Registry is required.
All associates at Capital City Bank, Capital City Wealth, and Capital City Home Loans have access to confidential client information and must practice discretion and ensure required confidentiality at all times.
Principal Duties and Responsibilities
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
- Markets and promotes Capital City Home Loans financial products to their business community including builders/developers, real estate brokers, financial institutions, friends, and family.
- Ensures exceptional client service experience by overseeing loan process from origination to close and providing on-going communication to clients and business partners.
- Collects and analyses financial documentation from the borrower and advises the potential borrower of their lending options.
- Recommends the appropriate loan program based on the borrowers needs and financial circumstances including credit history, assets, debts, investments, and amount of the loan.
- Ensures loan application is complete, legible, signed and detailed prior to submission.
- Collects supporting loan documentation as required and provide complete package to Processer.
- Obtain the Capital City Home Loans’ Float/Lock Letter at the time of the loan application with the float or lock portion completed.
- Locks the loan with secondary marketing via the lock desk and responds timely to all calls regarding interest rates.
- Work with Processors to ensure all loan conditions are met.
- Develop Business Referral Network from outside sources such as attending networking activities, prospecting, cold-calling and marketing.
- Participate in community efforts to promote home ownership.
- Attend and complete all Capital City Home Loans required training.
Employer determines the essential functions of the job.
All associates must understand and adhere to the non-negotiable Banker Standards and commit to practicing SGNNT (smile, greet, name, name, thank you) at all times. Associates will consistently follow policies and procedures as established by Capital City Bank and Capital City Home Loans, with department managers setting the standard.
Associated Duties
Provides additional support to manager and department colleagues.
Completes all assigned/required Bank training within established timelines.
Knowledge, Skills and Abilities (KSAs) Required
The following KSAs are usually acquired through work experience and/or specialized course(s):
- Responsible for knowing product manuals and understanding all company loan programs and their requirements.
- Responsible for staying up to date on federal, state, and local laws, regulations, FNMA, FHLMC, FHA, USDA and VA as they pertain to the mortgage lending industry.
- Ability to communicate clearly and effectively, both verbally and in writing, across a variety of audiences.
- Solid time management skills and the ability to organize, prioritize and perform multiple tasks simultaneously.
- Ability to analyze and comprehend complex financial data and provide financial alternatives.
- Strong computer skills.
- Professional and effective interpersonal skills.
- Demonstrated understanding of mortgage processing, underwriting and closing procedures.
Education
Bachelor’s Degree from an accredited college required. Minimum of 1-year residential mortgage lending experience with a focus on generating self-sourced business. Relevant experience may substitute for the education requirement.
Verifiable, established network of referral business including Real Estate professionals and other centers of influence. Successful completion of in-house training program or other approved training program will be considered.
Working Conditions
- The Mortgage Consultant will primarily work outside of any Capital City Home Loans’ office to meet with and develop referral sources and potential customers at their offices, homes, and outside functions.
- In the rare instance of a major or extensive natural disaster, epidemic or pandemic occurrence, or other disruption within our footprint, it may be necessary for associates to relocate or telecommute before, during or after, to ensure business continuity.
Capital City Bank associates are our greatest asset. We offer the following benefits
- Medical, Dental and Vision
- Life Insurance
- 401(k) with Matching
- Flexible Spending Accounts
- Tuition Assistance
- Stock Purchase
- Discounts on Products and Services
EOE/Protected Veterans/Disabled/Drug Free
The above declarations are not intended to be an “all-inclusive” list of the duties and responsibilities of the job described nor are they intended to be such a listing of the skills and abilities required to do the job. Rather, they are intended only to describe the general nature of the job.
THIS JOB DESCRIPTION DOES NOT CONSTITUTE AN EMPLOYMENT AGREEMENT. This job description does not restrict Capital City Bank, Capital City Wealth, and Capital City Home Loans from the ability to assign, reassign or eliminate duties and responsibilities of this job at any time. This job description describes the current assignment of essential functions. These functions may change at any time as the needs of the Bank or department change or for other reasons deemed appropriate.
Experience
Preferred* Please indicate work experience when applying.
Education
Required* Bachelors or better
Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.
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Get Access To All JobsTips for Finding Visa Sponsorship as a Mortgage Consultant
Match your degree to the role
Mortgage Consultant qualifies as a specialty occupation only when your degree is in finance, economics, business administration, or a related field. A general bachelor's without field alignment gives USCIS grounds to deny the H-1B petition, so confirm the match before applying.
Use OFLC Wage Search to benchmark offers
Your employer's LCA must certify wages at or above the prevailing wage for your location and role. Pull the Level I through Level IV ranges from the OFLC Wage Search before negotiating so you know whether an offer clears the DOL threshold.
Target banks with existing LCA filing history
Mortgage divisions of commercial banks and credit unions file LCAs regularly for loan officer and consultant roles. Search Migrate Mate to find employers with verified sponsorship history in this occupation, filtered by city and role type.
Disclose your licensing status early
Many states require Mortgage Consultants to hold a Mortgage Loan Originator license under the SAFE Act. Unlicensed candidates slow down H-1B petitions because employers can't confirm full job duties. Complete your NMLS registration and state licensing before the offer stage.
Account for the H-1B cap and selection timing
H-1B is subject to an annual cap and a selection process whose rules have changed recently. Your employer files after selection, not before, so align your job search timeline accordingly and ask hiring managers whether they've sponsored H-1B workers before.
Prepare a specialty occupation evidence file
Mortgage Consultant petitions face RFEs when USCIS questions whether the role truly requires a degree. Collect job postings from your employer's past hires, your O*NET occupation profile, and any internal job description language specifying degree requirements before your employer files Form I-129.
Frequently Asked Questions
Does a Mortgage Consultant role qualify for H-1B sponsorship?
Yes, Mortgage Consultant qualifies as a specialty occupation under H-1B when the position requires at least a bachelor's degree in finance, economics, or business administration. Employers must demonstrate that the role normally requires this degree, not just that it's preferred. Positions where any bachelor's degree is acceptable, regardless of field, can face USCIS scrutiny and are harder to approve.
Which visa types are available to foreign Mortgage Consultants?
H-1B is the primary work visa for Mortgage Consultants, covering specialty occupation roles at cap-subject employers. Australian nationals can use the E-3 visa, which has no lottery and an annual cap of 10,500 that has never been exhausted. Chilean and Singaporean nationals may qualify for the H-1B1 visa. TN visa is not available for Mortgage Consultant roles, as the position doesn't appear on the USMCA profession list.
Do I need a Mortgage Loan Originator license before my employer can sponsor me?
Most states require an NMLS-registered Mortgage Loan Originator license under the SAFE Act to legally originate residential loans. If your offer letter lists loan origination as a core duty and you're unlicensed, your employer can't accurately describe the role in the LCA or I-129, which can stall or invalidate the petition. Complete your NMLS registration and state licensing before the sponsorship process begins.
How do I find employers who sponsor Mortgage Consultants?
Search Migrate Mate to browse employers with verified LCA sponsorship history in mortgage and financial services roles. Migrate Mate lists companies that have actively filed for roles in this occupation, so you can target your applications toward employers already set up to sponsor rather than those encountering the process for the first time.
Can I switch Mortgage Consultant employers while on H-1B?
Yes. Under H-1B portability, once your new employer files a new H-1B petition on your behalf, you can start work with them immediately. You don't need to wait for USCIS to approve the petition before beginning. Confirm your new role still qualifies as a specialty occupation and that your new employer is registered with USCIS as a petitioner before accepting an offer.
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.