Mortgage processor

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TYPE OF WORK

Full Time

SALARY

1000

HOURS PER WEEK

40

DATE UPDATED

Apr 8, 2026

JOB OVERVIEW

Home Access Financial (HAF) is a non-bank residential mortgage lender licensed in Florida, Georgia, North Carolina, South Carolina, Tennessee, Texas, and Pennsylvania — with active expansion underway. We close conventional, government, and non-QM loans and are known for a disciplined, process-driven operation with strong support for our team.

Our loan origination system is ICE Encompass. We have an established Philippines-based VA team and U.S.-based management. This is a long-term, full-time remote role for a seasoned processor who can work independently, communicate clearly with borrowers and loan officers, and move loans efficiently from submission to clear-to-close.

What you will do
Own the processing pipeline from loan submission through clear-to-close across conventional, FHA, VA, USDA, and non-QM products
Review loan files for completeness, accuracy, and compliance upon receipt from the loan officer
Order and track third-party services — appraisals, title, flood certs, HOA certs, payoff statements, and verifications of employment
Collect, review, and stack all borrower documentation including income, assets, credit, and identity
Analyze income documentation (W-2s, paystubs, tax returns, bank statements) for eligibility and AUS accuracy
Submit complete loan packages to underwriting and respond to all conditions in a timely manner
Communicate proactively with borrowers, loan officers, realtors, and title companies throughout the loan lifecycle
Maintain accurate and up-to-date loan status, milestones, and document tracking in ICE Encompass
Identify and escalate file issues or timeline risks early to prevent closing delays
Ensure all disclosures, change of circumstance (COC) notices, and TRID timelines are met

Requirements
Minimum 3 years of residential mortgage processing experience at a U.S. lender or broker
Hands-on experience with ICE Encompass — must be able to operate independently in the LOS from day one
Demonstrated experience processing conventional (FNMA/FHLMC) and government loans (FHA, VA, USDA)
Working knowledge of AUS findings (DU and/or LP) and the ability to read and respond to underwriting conditions
Strong understanding of TRID, disclosure timing requirements, and COC procedures
Ability to analyze standard income types: W-2 employment, self-employment (1040s/1120S/K-1s), and rental income
Excellent written and verbal English — you will communicate directly with U.S. borrowers and real estate agents
Ability to work EST business hours (approximately 9:00 AM – 6:00 PM Eastern)
Reliable high-speed internet and a dedicated, distraction-free workspace
Organized, deadline-driven, and able to manage 20+ active files simultaneously

Nice to have
Experience processing non-QM products such as bank statement, DSCR, or asset depletion loans
Familiarity with multi-state mortgage operations and state-specific compliance requirements
Prior experience working with a remote or offshore processing team
Background in closing, funding, or post-closing (helpful for file handoff coordination)

Compensation and setup
$1,000 USD per month, paid consistently
Full-time remote — work from your home office
EST business hours required for team alignment with U.S. loan officers and management
Long-term position with a stable, growing lender — we are not looking for short-term contractors
Supportive team environment with an experienced VA team and responsive U.S.-based management
How to apply
Please submit the following with your application:

Your updated resume with a clear summary of your mortgage processing experience and loan types handled
A brief cover letter describing your Encompass experience, the volume of loans you have processed, and any non-QM products you have worked with
Your internet speed test result (run at ---------- or speedtest.net)

Applications without Encompass experience clearly noted or without a cover letter will not be reviewed. Strong candidates will be contacted promptly.

SKILL REQUIREMENT
Mortgages
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