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For Companies At a Glance
- Tasks: Sell mortgage loans and build relationships with real estate professionals.
- Company: Join AnnieMac Home Mortgage, a leading name in the mortgage industry.
- Benefits: Enjoy flexible working hours and opportunities for professional growth.
- Why this job: Make a real impact by helping people achieve their homeownership dreams.
- Qualifications: Must have a state license and knowledge of mortgage processes.
- Other info: Travel is required 80% of the time; perfect for adventurous spirits!
The predicted salary is between 36000 - 60000 £ per year.
AnnieMac Home Mortgage is looking to hire Full Time External Mortgage Loan Originators to establish referral source relationships for a steady flow of loan volume from real estate brokers and other external sources. Candidates should have experience directly related to the Mortgage Industry.
Under the direct supervision of the Branch Manager, the job responsibilities of the External Mortgage Loan Originator position include, but are not limited to, the following:
- Primary duty is to sell mortgage loans to customers away from and outside of AnnieMac Home Mortgages places of business. Work done at AnnieMac Home Mortgages offices is related and supplemental to outside sales.
- Generate new business by building and maintaining relationships with realtors, real estate agents, title and escrow officers, financial advisers, CPAs, and other relevant professionals.
- Regularly participate in mortgage sales including, but not limited to, attending closings and open houses, and conducting seminars and other lead-generating activities.
- Take information from the borrower and fill out the loan application.
- Develop relationships with referral partners such as realtors to generate new customers.
- Analyze the prospective borrower's income and debt and pre-qualify the prospective borrower to determine the maximum mortgage that the prospective borrower can afford.
- Counsel the prospective borrower in the home buying and financing process, advising the borrower about the different types of loan products available, and demonstrating how closing costs and monthly payments would vary under each product.
- Collect financial information (tax returns, bank statements) and other related documents that are part of the application process.
- Provide disclosures to the borrower, including truth in lending, good faith estimate, and others.
- Counsel and advise the borrower in understanding and clearing credit problems.
- Maintain regular contact with the borrower, realtors, and the lender, between application and closing to apprise them of the status of the application and to gather any additional information as needed.
- Order legal documents.
- Review HUDS prior to closing.
Qualifications
- Must have appropriate state license or certificate (varies by state).
- Must have a thorough knowledge of pricing and underwriting requirements of various mortgage insurance companies.
- Must have a working knowledge of credit underwriting and property eligibility requirements for FNMA, FHLMC, FHA, VA, local bonding programs and private investors.
- Must be familiar with local, state and national laws zoning ordinances, Truth-in Lending, RESPA, energy audit requirements, etc.
- Must have excellent communication skills and the ability to analyze financial information.
- Must be a sales-oriented self-starter.
Work Environment/Physical Demands: Travel is required 80% of the time.
External Mortgage Loan Originator employer: AnnieMac Home Mortgage
Contact Detail:
AnnieMac Home Mortgage Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land External Mortgage Loan Originator
✨Tip Number 1
Network actively within the real estate community. Attend local open houses, seminars, and industry events to meet realtors and other professionals who can refer clients to you. Building these relationships is crucial for generating a steady flow of loan volume.
✨Tip Number 2
Stay updated on the latest mortgage products and market trends. This knowledge will not only help you advise potential borrowers effectively but also position you as a trusted expert in your field, making it easier to establish connections with referral partners.
✨Tip Number 3
Utilise social media platforms to showcase your expertise and connect with potential clients. Share informative content about the mortgage process, tips for homebuyers, and success stories to engage your audience and attract referrals.
✨Tip Number 4
Consider joining local professional associations related to real estate and finance. These groups often provide networking opportunities, resources, and support that can help you grow your business and find new clients.
We think you need these skills to ace External Mortgage Loan Originator
Some tips for your application 🫡
Understand the Role: Before applying, make sure you fully understand the responsibilities of an External Mortgage Loan Originator. Familiarise yourself with the mortgage industry and the specific requirements mentioned in the job description.
Tailor Your CV: Customise your CV to highlight relevant experience in the mortgage industry. Emphasise your sales skills, relationship-building abilities, and any previous roles that involved direct customer interaction or financial analysis.
Craft a Compelling Cover Letter: Write a cover letter that showcases your passion for the mortgage industry and your understanding of the role. Mention specific experiences that demonstrate your ability to generate business and maintain relationships with referral partners.
Highlight Relevant Skills: In your application, be sure to highlight key skills such as communication, financial analysis, and knowledge of mortgage products. Mention any relevant certifications or licenses you hold that are required for the position.
How to prepare for a job interview at AnnieMac Home Mortgage
✨Know Your Mortgage Products
Familiarise yourself with the various mortgage products offered by AnnieMac Home Mortgage. Be prepared to discuss how different products can meet the needs of potential borrowers, and demonstrate your understanding of closing costs and monthly payments.
✨Build Rapport with Interviewers
Since this role involves a lot of relationship-building, show your interpersonal skills during the interview. Engage with your interviewers, ask questions about their experiences, and share relevant anecdotes that highlight your ability to connect with clients and referral partners.
✨Demonstrate Your Sales Skills
Prepare to showcase your sales experience and strategies. Discuss specific examples of how you've successfully generated leads or closed deals in the past, particularly in the mortgage industry or related fields.
✨Understand the Local Market
Research the Mansfield area and its real estate market. Being knowledgeable about local trends, property values, and key players will not only impress your interviewers but also demonstrate your commitment to succeeding in the role.
