Mortgage Specialist Jobs in USA with Visa Sponsorship
Mortgage Specialist roles in the U.S. typically qualify for H-1B visa sponsorship under the specialty occupation category, requiring a bachelor's degree in finance, economics, or a related field. Employers in banking and lending regularly sponsor, though competition for H-1B lottery selection means timing your job search matters. For detailed occupation requirements, see the O*NET profile.
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Get Access To All JobsAbout Rate: Rate is one of the nation’s top retail mortgage lenders, delivering a seamless, tech-driven experience that helps customers reach their homeownership and financial goals. Founded in 2000 and based in Chicago, Rate is licensed in all 50 states and D.C. and has helped over 2 million homeowners with a wide range of loan products, competitive rates and personalized service. With 5,000+ employees across 300+ offices and 12+ subsidiaries, Rate’s Loan Officers rank among the best in the country. From purchases and refinances to tapping into equity, Rate makes financing faster, simpler and less stressful. Our technology — including Same Day Mortgage, the Rate App, FlashClose℠, MyAccount and the Language Access Program — has earned recognition from HousingWire, Scotsman Guide, NerdWallet, the Chicago Tribune and Crain’s Chicago Business.
Rate is looking for a full-time Mortgage Specialist to join the Consumer Direct team!
Job Description: The CD Mortgage Specialist evaluates creditworthiness by processing loan applications and documentation within specified limits. Our loan officers use our inhouse digital platform to ensure a smooth loan process. The CD Mortgage Specialist interviews applicants to determine financial eligibility, home loan readiness, while communicating with clients and completing the loan contracts. They play a crucial role in helping qualified applicants acquire loans in a timely manner. We are growing our Refi and Heloc teams.
Responsibilities:
- Promote the significant advantages of working with Rate
- Build rapport with clients to ensure we identify the best solution for the loan needs.
- Interview applicants to determine financial eligibility and granting loans.
- Counsel on the home buying or refinance process, providing exceptional client service along the way.
- Reply to potential inquiries from company-generated prospects.
- Reach or exceed sales goals and objectives.
- Operate in compliance with laws and regulations
Qualifications
- NMLS Licensed
- The ability to identify and pursue sales opportunities effectively
- Familiarity with computers and banking applications/software.
- Dedication to learning - We’ll provide ongoing sales and industry training to help you succeed.
- Excellent communication and interpersonal skills.
- Customer satisfaction orientation and sales competencies.
- Adaptability - resiliency and an openness to adapting to industry changes are required.
- Ability to work in a goal-oriented environment.
Why join Rate and its Consumer Direct Division:
- Leads are provided
- We have an inbound and outbound call model
- Nationwide footprint with the ability to be licensed in all 50 states
- Remote role - work from where you want
- Technology based mortgage company providing you with all the tools to be successful
Compensation: Employees are eligible to receive a base pay of an hourly minimum wage $17.00, as well as commissions through a competitive compensation structure.
Applications accepted until July 24th, 2026.
In addition, the Company offers a comprehensive benefits program to eligible employees, including eligibility to participate in a company-sponsored 401(k); vacation benefits; eligibility for medical, dental, vision, and prescription drug benefits; flexible benefits (e.g., healthcare and/or dependent day care flexible spending accounts); life insurance and death benefits; critical care insurance; personal accidental insurance; commuter benefits; pet insurance; certain time off and leave of absence benefits; well-being benefits (e.g., employee assistance program); and other supplemental benefits (e.g. legal planning assistance; identity theft protection; pet insurance; wellness resources).
Rate, Inc. is an Equal Opportunity Employer that welcomes and encourages all applicants to apply regardless of age, race, sex, religion, color, national origin, disability, veteran status, sexual orientation, gender identity and/or expression, marital or parental status, ancestry, citizenship status, pregnancy or other reason prohibited by law.
About Rate: Rate is one of the nation’s top retail mortgage lenders, delivering a seamless, tech-driven experience that helps customers reach their homeownership and financial goals. Founded in 2000 and based in Chicago, Rate is licensed in all 50 states and D.C. and has helped over 2 million homeowners with a wide range of loan products, competitive rates and personalized service. With 5,000+ employees across 300+ offices and 12+ subsidiaries, Rate’s Loan Officers rank among the best in the country. From purchases and refinances to tapping into equity, Rate makes financing faster, simpler and less stressful. Our technology — including Same Day Mortgage, the Rate App, FlashClose℠, MyAccount and the Language Access Program — has earned recognition from HousingWire, Scotsman Guide, NerdWallet, the Chicago Tribune and Crain’s Chicago Business.
Rate is looking for a full-time Mortgage Specialist to join the Consumer Direct team!
Job Description: The CD Mortgage Specialist evaluates creditworthiness by processing loan applications and documentation within specified limits. Our loan officers use our inhouse digital platform to ensure a smooth loan process. The CD Mortgage Specialist interviews applicants to determine financial eligibility, home loan readiness, while communicating with clients and completing the loan contracts. They play a crucial role in helping qualified applicants acquire loans in a timely manner. We are growing our Refi and Heloc teams.
Responsibilities:
- Promote the significant advantages of working with Rate
- Build rapport with clients to ensure we identify the best solution for the loan needs.
- Interview applicants to determine financial eligibility and granting loans.
- Counsel on the home buying or refinance process, providing exceptional client service along the way.
- Reply to potential inquiries from company-generated prospects.
- Reach or exceed sales goals and objectives.
- Operate in compliance with laws and regulations
Qualifications
- NMLS Licensed
- The ability to identify and pursue sales opportunities effectively
- Familiarity with computers and banking applications/software.
- Dedication to learning - We’ll provide ongoing sales and industry training to help you succeed.
- Excellent communication and interpersonal skills.
- Customer satisfaction orientation and sales competencies.
- Adaptability - resiliency and an openness to adapting to industry changes are required.
- Ability to work in a goal-oriented environment.
Why join Rate and its Consumer Direct Division:
- Leads are provided
- We have an inbound and outbound call model
- Nationwide footprint with the ability to be licensed in all 50 states
- Remote role - work from where you want
- Technology based mortgage company providing you with all the tools to be successful
Compensation: Employees are eligible to receive a base pay of an hourly minimum wage $17.00, as well as commissions through a competitive compensation structure.
Applications accepted until July 24th, 2026.
In addition, the Company offers a comprehensive benefits program to eligible employees, including eligibility to participate in a company-sponsored 401(k); vacation benefits; eligibility for medical, dental, vision, and prescription drug benefits; flexible benefits (e.g., healthcare and/or dependent day care flexible spending accounts); life insurance and death benefits; critical care insurance; personal accidental insurance; commuter benefits; pet insurance; certain time off and leave of absence benefits; well-being benefits (e.g., employee assistance program); and other supplemental benefits (e.g. legal planning assistance; identity theft protection; pet insurance; wellness resources).
Rate, Inc. is an Equal Opportunity Employer that welcomes and encourages all applicants to apply regardless of age, race, sex, religion, color, national origin, disability, veteran status, sexual orientation, gender identity and/or expression, marital or parental status, ancestry, citizenship status, pregnancy or other reason prohibited by law.
See all 663+ Mortgage Specialist Jobs
Sign up for free to unlock all listings, filter by visa type, and get alerts for new Mortgage Specialist roles.
Get Access To All JobsTips for Finding Visa Sponsorship as a Mortgage Specialist
Target banks and non-bank lenders with H-1B track records
Large commercial banks and mortgage companies file H-1B petitions far more regularly than smaller brokerages. Focusing your search on established lenders significantly increases your chances of finding an employer willing to sponsor.
Confirm your degree aligns with the specialty occupation requirement
USCIS requires your degree to directly relate to the Mortgage Specialist role. Finance, economics, accounting, and business degrees with a quantitative focus are strongest. A mismatch between your major and the job description is a common denial reason.
Apply early in the calendar year to align with H-1B lottery timing
H-1B registrations open in March for an October 1 start date. Starting your job search in January gives employers time to evaluate you, prepare documentation, and file before the registration window closes.
Highlight compliance and regulatory knowledge in your resume
Mortgage Specialists operating under RESPA, TILA, and state licensing frameworks demonstrate specialized expertise USCIS values. Employers also see compliance fluency as evidence your role genuinely requires degree-level knowledge, strengthening the petition.
Ask directly about sponsorship before investing in the interview process
Many mortgage employers have sponsored before but do not advertise it. Raising the question early, ideally after a recruiter screens you, saves both sides time and identifies which employers have an established immigration process in place.
Use Migrate Mate to find employers actively open to visa sponsorship
Migrate Mate filters mortgage and financial services roles by sponsorship willingness, so you are not cold-applying to companies that will not sponsor. Browsing the platform saves weeks of outreach to employers who are not a fit.
Frequently Asked Questions
Does a Mortgage Specialist role qualify as a specialty occupation for H-1B purposes?
Generally yes, but the job description matters significantly. USCIS requires that a bachelor's degree in a specific field be a standard, minimum entry requirement for the role. Mortgage Specialist positions framed around loan origination, financial analysis, or credit risk assessment are stronger candidates than generalist sales roles. Employers with degree requirements written explicitly into the job posting have a better approval record.
Which visa types are realistic for Mortgage Specialists seeking U.S. sponsorship?
The H-1B visa is the primary pathway for most Mortgage Specialists, particularly those from countries without special treaty arrangements. Australian citizens can pursue the E-3 visa, which has no lottery and a far simpler process. Canadian and Mexican nationals may qualify under the TN visa category, though mortgage roles require careful review of whether they fit TN's defined occupation list. O-1 visa is rarely applicable in this field.
What degree do I need for an employer to sponsor me as a Mortgage Specialist?
A bachelor's degree in finance, economics, accounting, business administration, or a closely related quantitative field is the standard requirement. The key is that your degree field must connect logically to the specific duties of the role. A general business degree can work if the job involves financial modeling or risk analysis. Degrees in unrelated fields, even combined with years of experience, create real obstacles for H-1B specialty occupation approval.
Are mortgage employers likely to sponsor H-1B visas, and what affects their willingness?
Mid-size to large banks, credit unions, and independent mortgage companies do sponsor H-1B petitions, though it is less common than in tech or healthcare. Employer willingness depends on their past sponsorship experience, internal HR capacity, and whether they have an immigration attorney on retainer. Companies that have filed H-1B petitions before move faster and with more confidence. Browse Migrate Mate to identify employers already open to sponsorship rather than approaching the question cold.
Can I transfer my H-1B to a new mortgage employer if I change jobs?
Yes. Under H-1B portability rules, you can start working for a new employer as soon as they file an H-1B transfer petition, without waiting for approval, as long as your current H-1B was previously approved and you have maintained valid status. The new employer must file a new Labor Condition Application and I-129 petition. The specialty occupation determination applies to the new role independently, so the new job description needs to hold up to scrutiny on its own.
What is the prevailing wage requirement for sponsored Mortgage Specialist 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.