Join Our Growing Operations Team

Nation One Mortgage is expanding, and we're looking to add three Mortgage Loan Processors to our Operations team.

We're open to a mix of talent, including:

• Senior Mortgage Loan Processors who can confidently manage complex loan files with minimal oversight.
• Processors ready to take the next step into a Senior Processor role.
• Processors interested in growing toward a Junior Underwriter career path, with mentorship and development opportunities.
• Early-career processors who already have exposure to manual underwriting, self-employed income calculations, or bond programs and are looking to continue building their expertise within a structured, collaborative environment.

Compensation: Open for negotiation and highly competitive based on experience. We are willing to structure compensation based on the level of experience you bring.

If you're motivated, eager to learn, and want to grow with a company that invests in its people, we'd love to hear from you.

About Nation One Mortgage

At Nation One Mortgage, we are committed to delivering a smooth, customer-first home financing experience. As a full-service lender focused on fast, efficient closings and exceptional service, we continue to grow by investing in strong talent and operational excellence.

Position Summary

We are seeking 3 Senior Mortgage Loan Processor to join our operations team. This role is best suited for a high-performing processor who is confident managing complex files and can operate with speed, accuracy, and minimal oversight.

You will be responsible for handling a pipeline that includes manually underwritten loans (VA & FHA), complex income calculations (self-employed income), and state bond programs, requiring strong analytical ability and a deep understanding of agency guidelines.

Also open to: Processors earlier in their career who have exposure to these areas and are looking to grow into a senior-level role within a structured, team-driven environment.

Bilingual Spanish-speaking candidates are strongly preferred, as a portion of our borrower base requires Spanish-language communication and support throughout the loan process.

Key Responsibilities

• Manage and process mortgage loan files from submission through closing
• Handle complex, manually underwritten loans (VA & FHA) with precision and urgency
• Perform and validate detailed income calculations, including self-employed borrowers and complex income structures
• Work with state bond loan programs (NJ & PA preferred) and ensure strict guideline adherence
• Verify and analyze borrower documentation including income, credit, assets, and property details
• Communicate with loan officers, borrowers, and third-party vendors to move files forward efficiently
• Ensure compliance with company, investor, and regulatory requirements
• Maintain accurate and up-to-date records in Byte LOS or similar systems
• Prepare files for underwriting and aggressively manage and clear conditions
• Proactively manage pipeline to ensure timely closings

Qualifications (Key Experience Required)

• Strong knowledge of manual underwriting for VA & FHA loans
• Strong experience with income calculations, including self-employed borrowers
• Proven ability to handle manually underwritten loans from start to finish
• Experience working with state bond loan programs (NJ & PA strongly preferred)
• 2+ years of mortgage processing experience required. Senior-level experience is preferred, but we are also interested in speaking with processors who are ready to grow into a more advanced role.
• Strong knowledge of Conventional, FHA, VA, and USDA guidelines
• Experience with Byte Loan Origination System (LOS) is a plus
• Ability to confidently manage complex borrower scenarios
• Strong organizational, multitasking, and time management skills
• Excellent written and verbal communication skills
• Bilingual in Spanish strongly preferred
• Must be able to work Monday–Friday, 9:00 AM – 5:00 PM Eastern Time. Remote candidates are welcome to apply.

Benefits

• Highly competitive compensation based on experience
• 401(k) retirement plan
• Medical, dental, and vision insurance
• Collaborative, team-oriented culture
• Real opportunity for growth into senior operations and underwriting roles

Apply Today

Whether you're an experienced Senior Mortgage Loan Processor, a processor looking to advance your career, or someone interested in developing toward a Junior Underwriter position, we'd love to connect.

If you bring expertise in VA/FHA manual underwrites, self-employed income analysis, bond programs—or have exposure to these areas and are eager to continue growing—we encourage you to apply and become part of a team that values precision, speed, collaboration, and career development.

Pay: $45,000.00 - $70,000.00 per year

Benefits:

• 401(k)
• Dental insurance
• Health insurance
• Paid time off
• Vision insurance

Application Question(s):

• If you have experience processing state bond loans, which states?
• Can you consistently work the required schedule of Monday through Friday, 9:00 AM–5:00 PM Eastern Time?

Experience:

• processing VA & FHA: 2 years (Required)
• processing manual underwritten VA & FHA loans: 1 year (Required)
• processing state bond loan programs: 1 year (Required)

Language:

• Spanish (Preferred)

Work Location: Remote