Mortgage Loan Processor

McGowan Mortgages • Remote

Posted 8 hours ago

Description

McGowan Mortgages — a top-producing branch of NEXA Mortgage LLC — is hiring a remote Mortgage Loan Processor to move purchase and refinance files from submission to clear-to-close.

We are a broker shop with access to 300+ wholesale lenders, which means you will work across many lender guidelines and portals rather than one set of overlays. Our processors own their files: you order and track third-party services, clear conditions, communicate with borrowers and agents, and drive the file to closing.

What We Offer:

$65,000 - $80,000 annually, based on experience
Fully remote — work from anywhere in the U.S.
Access to 300+ wholesale lenders and AI-powered workflow tools
Direct access to the producing Branch Manager, Derek McGowan
Real growth path into senior processing and operations roles

Responsibilities

Process purchase and refinance files from submission through clear-to-close across multiple wholesale lenders
Review 1003s, income, asset, and credit documentation for accuracy and completeness before submission
Order and track appraisals, title, HOI, VOEs, payoffs, and flood certifications
Clear underwriting conditions promptly and rebut conditions when the file supports it
Keep borrowers, buyer's and, listing agents, and title updated on file status and deadlines
Monitor rate lock expirations, closing dates, and document expiration dates on every file
Maintain accurate file data in our LOS and pipeline boards

Obtain property documentation to process mortgage loan files, including appraisals, inspections, title searches, site surveys, contracts, and property tax records
Assist borrowers in determining the best mortgage type based on interview and situation
Prepare and submit detailed loan packages to the lender underwriting department for approval or denial
Decide the creditworthiness and complete the mortgage loan application by working with the borrower to obtain necessary and verified financial documentation, such as credit reports
Ensure loan files meet lending and regulatory guidelines and policies

Qualifications

1+ years of mortgage loan processing experience (broker or lender side)
Working knowledge of conventional, FHA, VA, and non-QM/DSCR guidelines
Hands-on experience with an LOS — ARIVE, Encompass, LendingPad, or Calyx preferred
Strong written communication; you will be emailing borrowers, agents, and lender reps daily
Highly organized and able to manage 20+ active files without dropping deadlines
Authorized to work in the United States; able to work U.S. business hours

Strong analytical and time management skills and superior attention to detail
Excellent written and verbal communication skills are a requirement
Experience in mortgage lending and knowledge of loan types, such as FHA, FHLB, FNMA, or VA loans required
High school diploma or GED required - Associate’s degree in accounting, finance, or business preferred
At least 2 years of loan processing experience required

Compensation

$65,000 - $80,000 yearly

About McGowan Mortgages

McGowan Mortgages is building a culture that would make this your long-term home in the mortgage business. We were awarded #1 Mortgage Company in Kansas City in 2023 and 2024 by putting time, effort, and resources into building the best possible team model there is.

This has also allowed me to become the #1 Loan Officer at the largest Mortgage Broker in the country - NEXA Mortgage.

We maintain a high standard of excellence to clients, which maintains stability for team members in such an unstable mortgage market these days.

We have built our business around a reputation known for top-notch service and the widest variety of loan options, which allows clients and Realtors to trust that we are the best fit for their home loans.