Buying a home is the cornerstone of the American dream, yet the process can be complicated and confusing. That’s why Homepoint is on a mission to create financially healthy, happy homeowners.

Homepoint Is a rising star in the mortgage industry with a culture that encourages community, caring, and open communication. We want our Associates to speak up, become innovators and make impactful changes – no matter what position they hold within the company. What makes our team special is our people-first operating philosophy, “We Care”.

Homepoint is the third-largest wholesale lender and the 12th largest correspondent lender in the U.S. We are headquartered in Ann Arbor, MI and offer positions throughout the nation with over 2,500 Associates and 300,000 serviced customers.

If you thrive in a fast-paced environment and are looking for an opportunity to grow and develop your career, then we have the perfect opportunity for you!

The Futures Program at Homepoint provides an exceptional training and development experience designed to set program graduates up for successful careers in mortgage at Homepoint.

Focused on providing career development opportunities for highly motivated, career-focused individuals who thrive in a fast paced environment, the Futures Program is considering applicants for the following positions:

Underwriter Support Specialist I: Works closely with Mortgage Loan Originators, Senior Underwriters, and Closers to underwrite conventional mortgage loans – including a detailed review of the residential mortgage loan application and documentation as submitted to ensure loans meet underwriting guidelines. The detailed review will entail analyzing documentation such as credit reports, income and asset documentation, collateral, fraud prevention tools and other applicable documentation as required to render a loan decision ensuring completeness, accuracy and compliance.

• Review and analyze loan transaction; title and credit reports, income/asset documentation and collateral when submitted as conditions requested by underwriter
• Analyze documentation received from Loan Originator for acceptability and submit changes through Home Point system as needed
• Clear conditions within designated authority level as outlined in credit and risk policy and procedures
• Effectively communicate all conditions and requirements to Loan Originator in a timely manner
• Work closely with the underwriting staff to provide the best service possible to our Originators
• Manage the Clear to Close process between the Originator, UW CTC and the Closing department
• Conduct business with integrity and in a highly ethical manner

SKILLS & QUALIFICATIONS:

• High school diploma required; college degree preferred
• Experience in customer service in a high-volume setting
• Prior business-related work experience
• Proficient with MS Office
• Ability to learn new technology systems quickly
• Excellent communication skills. (Verbal and Written)
• Detail Oriented/Organized individual will thrive in this position

Loan Processor I: Will facilitate a file from time of approval through closing. This position will establish a relationship with an assigned loan pipeline to provide a single point of contact for Operations. This position expected to perform a variety of loan documentation duties using comprehensive knowledge of policies and procedures for loan products.

• Verifies, compiles, borrower’s information for mortgage loans
• Reviews residential loan application file to verify that application data is complete and meets establishment standards, including type and amount of mortgage, borrower assets, liabilities, and length of employment
• Orders all services for the loan (title, appraisal, homeowners, flood certs, 4506T, credit supplements, obtaining all information from FHA Connections & VA Portal)
• Calculate income (fixed, salaried and self-employed) and review Assets (large deposits)
• Submits mortgage loan file to underwriting for clear to close
• Works on obtaining conditions on the file in order to get file cleared
• Works independently to obtain all documentation needed form the borrower
• Responsible for running AUS
• Recommends that loan not meeting standards be denied

SKILLS & REQUIREMENTS:

• High school diploma required; college degree preferred
• Experience in customer service in a high-volume setting
• Prior business-related work experience
• Proficient with MS Office
• Ability to learn new technology systems quickly
• Excellent communication skills. (Verbal and Written)
• Detail Oriented/Organized individual will thrive in this position.

Loan Coordinator I: Will facilitate a file from time of submission through closing. This position will establish a relationship with an assigned loan pipeline to provide a single point of contact for Operations. This position will proactively assist clients in meeting outstanding conditions, underwriting conditions, compliance needs and provide customer service to clients.

• Monitor a pipeline of active loans as specified by management submitted by clients
• Proactively manage target closing dates. Upon an underwriting conditional approval decision, communicate and work with client to understand and upload underwriting conditions on suspended or approved loans
• Review conditions received for accuracy, making notes in file for the Underwriter
• Collect/review contractor acceptance packet from the client (to include Fraud Guard, HOCA or Const. Contract & Const. Loan Agreement)
• Complete back-office pre-closing functions for Wholesale including, but not limited to: review of closing protection letter, homeowner insurance policy, title commitment, lock reconciliation, review and reconciliation of most recent GFE, receipt and review of Closing Request Form and preliminary HUD 1, validation of accuracy of tax escrows, and verification of closing date and time with the settlement agent
• Complete verbal Verification of Employment within ten days of closing
• Other activities may include: Complete Undisclosed Debt Monitoring and update 1003, LT/1008, re-run final DU/LP, verify HPML and QM, run Loan Scorecard, Early Check, LQA, ULDD, validate Special Feature Code, validate LDP/GSA/CAIVR
• Review images in Home Point’s imaging system and eliminate duplicates. Make corrections as needed
• Perform all other duties as requested or assigned

SKILLS & REQUIREMENTS:

• High school diploma required; college degree preferred
• Experience in customer service in a high-volume setting
• Prior business-related work experience
• Proficient with MS Office
• Ability to learn new technology systems quickly
• Excellent communication skills. (Verbal and Written)
• Detail Oriented/Organized individual will thrive in this position.

Closer I: Responsible for performing a variety of loan documentation and validation duties using comprehensive knowledge of Homepoint policies and procedures.

• Review of loan documents and data to ensure accuracy with lock parameters; validate loan is ready to draw closing documents
• Review of title, hazard, taxes, and all pertinent compliance documents
• Data entry for all additional items needed to complete closing documents and closing instructions to settlement agent
• Work with settlement agent to ensure closing documents are received timely and in line with scheduled timeframes
• Drawing closing documents and HUD compliance approval prior to funding
• Prepare, balance, and disclose all initial and corresponding Closing Disclosures
• Ensure loan is closed in accordance to underwriting, state, and federal guidelines

SKILLS & QUALIFICATIONS:

• High school diploma required; college degree preferred
• 1-year previous professional work environment or BA
• Excellent verbal and written communication
• Detail oriented and strong organization
• Ability to multi-task and prioritize
• Technology proficient

Funder I: Responsible for ensuring that a loan has meet the criteria for releasing the funds after closing of the loan. The individual will have to review documents, complete documentation and communicate with warehouse banks to release funds. This is an individual who will be working in a fast-paced environment and is able to stay organized.

• Obtain and review executed Closing documents
• Communicate effectively with internal staff and title agents
• Request funds from our warehouse lenders
• Follow up on payoffs and outstanding funding conditions
• Request and reconcile all outgoing and incoming wires
• Assist in other areas of post originations as needed
• Provide administrative and sales support to LO with all 3rd party referral sources, borrower prospects and their processor for all loans in the pipeline
• Adhere to all federal and state compliance guidelines relative to the retail mortgage lending
• Maintaining and corresponding with the LO database ensuring accurate information is maintained

SKILLS & QUALIFICATIONS:

• High school diploma required; college degree preferred
• Prior business-related work experience
• Excellent communication, customer-service and organizational skills
• Ability to work in fast paced environment
• Experience with Microsoft Excel

We offer a competitive salary and bonus opportunity, together with an innovative and progressive approach to benefits. It is our goal to provide our associates an exciting, dynamic, desirable place to work. Our ambitious business plan and its success hinges on the ability to find great people and provide an environment that fully engages, retains and leverages the potential of top talent. As such, Homepoint provides development opportunities to all our associates, with a curriculum geared towards providing an informed view of multiple career paths. We have an owner-operator approach and when Homepoint succeeds, so do our associates.

Homepoint is a national multi-channel mortgage originator and servicer. The company brings an innovative approach to lending, focusing on speed, quality and consistency for customers and partners. Uniquely, Homepoint retains over 95% of originated loans for in-house servicing, a cornerstone to its Customer for Life approach. The company was founded in 2015 and headquartered in Ann Arbor, Michigan. For more Information visit homepoint.com

Homepoint is an equal opportunity at will employer and does not discriminate against any employee or applicant for employment because of age, race, religion, color, disability, sex, sexual orientation or national origin.