Mortgage Loan Processor

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

Compensation:

$65,000 - $80,000 yearly

Responsibilities:

• 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

• 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

Qualifications:

• 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

• 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

About Company

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.