Lower

Role Description The Disclosure Analyst serves as both an initial and re-disclosure specialist for the various mortgage products and programs offered by Lower.com. This role is responsible for delivering accurate, timely resolutions to support both internal teams and client expectations. Success in this position requires strong attention to detail, efficiency, and the ability to work independently. Work Hours: 9am - 6pm EST Work Location: Columbus, OH or remote Pay: $42,000 plus opportunity for production bonus after first 90 days What you'll do: - Accurately enter and manage loan data - Maintain up-to-date knowledge of Lower’s products and programs - Participate in ongoing training related to disclosure processes and procedures - Verify the accuracy of loan applications and supporting documentation - Review critical documents prior to issuing disclosures - Manage a pipeline of loan applications with efficiency and accuracy - Collaborate with loan originators to meet disclosure timelines and resolve issues - Support operational team members to uphold service and quality standards - Stay informed of state and federal documentation requirements - Generate and interpret compliance reports - Train sales staff on the electronic loan application process Qualifications - Prior experience in mortgage processing, loan origination, closing, or quality control preferred - Encompass experience a plus - Strong verbal and written communication skills - Ability to manage multiple priorities and meet deadlines - Team-oriented with a collaborative mindset - Positive attitude and adaptability to change - Exceptional attention to detail - Professional under pressure and open to feedback - Experience with Encompass software preferred - Bachelor’s degree or equivalent experience Benefits - Extended benefit offerings including medical/dental/vision, life insurance, short- and long-term disability, 401K with company match, parental leave - Paid holidays and paid time off - Discount on home mortgage refinances or purchase

• Deliver live and web-based training sessions for sales and operations • Partner with product and marketing teams to develop sales focused materials, courses and learning programs for products, systems and processes • Support employee development through continuous learning programs • Partner with key stakeholders to align training with business objectives • Measure training effectiveness using assessments and feedback • Continuously improve training programs based on results and industry changes • Drive adoption of process improvements by gaining stakeholder support and executing solutions • Attendance, promptness, professionalism, the ability to pay attention to detail, cooperativeness with co-workers and management, and excellent customer service • Track & Report Training documents- Attendees, content, etc.

Role Description The Sr. Underwriter is responsible for analyzing, evaluating and verifying Non-QM and Jumbo mortgage loan applications and evaluating loans for approval or denial in order to maximize organizational profit. This position is vital to Lower by minimizing risk or loss to the company, and to ensure the loan file conforms to the credit and property guidelines of all federal agencies, private mortgage insurers and investors. Location: Remote - West Coast Hours: 8:30am - 5pm PST What you’ll do: - Render approval/denial of mortgage loan applications consistent with current internal and external regulations and guidelines. - Analyze and evaluate creditworthiness of borrowers including but not limited to the review of financial statements, tax returns, asset statements, bank account statements, etc. - Investigate and document any anomalies in the credit file that may not have been addressed. - Review and recommend approvals or denials for Jumbo and Non-QM loans. Additional loan types may also include government loans and conforming products. - Issue loan conditions and required documentation to meet any investor, agency and/or regulatory requirements. - Maintain current knowledge of internal and regulatory changes that affect the underwriting of mortgage loans. - Provide guidance to loan processors on questions about various loan scenarios, documentation and guideline requirements. - Provide and promote exceptional customer service both internally and externally. - Demonstrate attendance, promptness, professionalism, attention to detail, cooperativeness with co-workers and management, and excellent customer service. - Perform other duties or special projects as assigned. Qualifications - 3+ years of prior experience working as a Sr. Underwriter. - 1+ year working primarily with Non-QM and/or Jumbo loans. - Working knowledge of all current regulations governing mortgage lending. - Working knowledge of investor and agency guidelines. - Ability to use systems and software programs needed to conduct daily business. - Encompass experience preferred. Benefits - Extended benefit offerings including medical/dental/vision, life insurance, short- and long-term disability, and parental leave. - Paid holidays and paid time off. - 401K with company match. - Discounts on home mortgage refinances or purchase.

Role Description We are a nationwide mortgage lender specializing in residential and commercial lending. The entry-level CD Originator is responsible for finalizing the total costs associated with buying or refinancing real estate for borrowers and preparing closing documents. This position is part of the Closing/Post closing team at Lower. What you’ll do: - Prepares closing disclosure using Closing software with accuracy conforming to terms of loan in our loan origination system. - CD originators must verify collection of necessary property taxes and/or insurance information sufficient to meet our investors guidelines, as well as any outstanding invoices necessary to be paid to complete our loan transaction. - Verifies accuracy and consistency of specifications on documents, such as title abstract and insurance forms. - Reviews Closing Disclosure (CD) to ensure all fees are accurate including compliance of underwriter’s cash from borrower requirements, etc. Qualifications - High school diploma or equivalent - Mortgage experience preferred - Must be detail-oriented and organized - Excellent verbal and written communication skills - Advanced skills within Microsoft Office Benefits - Competitive compensation plan - Extended benefit offerings including: - Medical/dental/vision - Paid holidays - Paid time off - Parental leave - Life insurance - Short- and long-term disability - 401K with company match - Discount on home mortgage refinances or purchase - Opportunity for professional growth and development

Editorial Manager Remote- USA Austin, TX (S Congress Ave) Full time job requisition id JR100372 Here at Lower, we believe homeownership is the key to building wealth, and we’re making it easier and more accessible than ever. As a mission-driven fintech, we simplify the home-buying process through cutting-edge technology and a seamless customer experience. With tens of billions in funded home loans and top ratings on Trustpilot (4.8), Google (4.9), and Zillow (4.9), we’re a leader in the industry. But what truly sets us apart? Our people. Join us and be part of something bigger. Job Description: We’re looking for a sharp, strategic Editorial Manager to lead the creation of content that educates and informs homebuyers and sellers, while building authority and driving press coverage for Movoto.com, a leading real estate portal. In this role, you’ll drive the supporting content strategy that complements our core organic growth, which reaches millions of monthly organic visitors, through SEO and Answer Engine Optimization. You’ll focus on building content around real estate trends, housing data, and moving insights, while owning our content calendar and ensuring we consistently publish timely, relevant, and high-impact content that reinforces our expertise in real estate. You’ll craft compelling content across formats, shape our editorial voice, and collaborate with internal teams and subject matter experts to bring big ideas to life. If you’re passionate about writing with purpose and know how to make complex topics clear and engaging, we want to hear from you. What you’ll do: - Own and execute our supporting content roadmap, focused on reinforcing our real estate expertise, building authority and visibility, and complementing organic growth driven by our core marketplace, through both Search Engine Optimization (SEO) and Answer Engine Optimization (AEO) - Research, write, and edit high-quality long-form and short-form content across various formats, including original studies, blog posts, landing pages, real estate trend reports, city guides, and more - Collaborate with SEO, engineering, design, and subject matter experts to bring content ideas to life - Build a network of real estate experts from internal partners to external contributors to curate insights and advice that showcase our expertise to users - Edit content from contributors and cross-functional partners for quality, clarity, and optimization - Become a subject matter expert in all things real estate-related, including housing market trends, homebuying, selling, and moving, through independent research and ongoing training - Contribute to external thought leadership content as needed, establishing yourself as a trusted voice in the real estate industry - Maintain and evolve our editorial voice, ensuring consistency across our website and marketing channels - Use data and SEO tools to identify content opportunities that support and enhance our core marketplace pages, and measure performance - Implement and refine content workflows, editorial guidelines, and QA processes - Stay up to date with search algorithm updates and rapidly evolving trends in large language models (LLMs) Who you are: - 5+ years of professional writing and editing experience, ideally in B2C content, real estate, or marketplaces - Proven ability to create content that drives traffic, engagement, and conversions - Deep understanding of SEO best practices and experience with tools like Ahrefs, SEMrush, or Clearscope - Strong editing skills and a keen eye for grammar, structure, and storytelling - Comfortable juggling multiple projects and deadlines in a collaborative, fast-moving environment - Experience writing for the web, optimizing for search engines, and understanding how content performs - Passionate about helping people make smarter home-buying, selling, and moving decisions - Bonus: Real estate and/or mortgage experience. Experience with optimizing content for generative AI tools Why you’ll love working at Lower: - You’ll be surrounded by talented, dedicated people who believe in the company’s mission - You’ll have the opportunity to shape the content strategy for a fast-growing real estate marketplace operating at massive scale - You’ll join a locally and nationally recognized best place to work that values promotion from within - There is opportunity for professional growth and development Lower provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.

• Own and execute our supporting content roadmap, focused on reinforcing our real estate expertise, building authority and visibility, and complementing organic growth driven by our core marketplace, through both Search Engine Optimization (SEO) and Answer Engine Optimization (AEO) • Research, write, and edit high-quality long-form and short-form content across various formats, including original studies, blog posts, landing pages, real estate trend reports, city guides, and more • Collaborate with SEO, engineering, design, and subject matter experts to bring content ideas to life • Build a network of real estate experts from internal partners to external contributors to curate insights and advice that showcase our expertise to users • Edit content from contributors and cross-functional partners for quality, clarity, and optimization • Become a subject matter expert in all things real estate-related, including housing market trends, homebuying, selling, and moving, through independent research and ongoing training • Contribute to external thought leadership content as needed, establishing yourself as a trusted voice in the real estate industry • Maintain and evolve our editorial voice, ensuring consistency across our website and marketing channels • Use data and SEO tools to identify content opportunities that support and enhance our core marketplace pages, and measure performance • Implement and refine content workflows, editorial guidelines, and QA processes • Stay up to date with search algorithm updates and rapidly evolving trends in large language models (LLMs)

Here at Lower, we believe homeownership is the key to building wealth, and we’re making it easier and more accessible than ever. As a mission-driven fintech, we simplify the home-buying process through cutting-edge technology and a seamless customer experience. With tens of billions in funded home loans and top ratings on Trustpilot (4.8), Google (4.9), and Zillow (4.9), we’re a leader in the industry. But what truly sets us apart? Our people. Join us and be part of something bigger. Job Description: As an Underwriting Manager with Lower, you'll be responsible for leading and mentoring a team of Underwriters. This position is vital to Lower by developing new Underwriters, maintaining turn times, minimizing risk or loss to the company, and to ensure loan files conform to the credit and property guidelines of all federal agencies, private mortgage insurers and investors. Location: Fully Remote What You'll Do - Maintain current knowledge of internal and regulatory changes that affect the underwriting of mortgage loans. - Provides guidance to loan processors and underwriters on questions about various loan scenarios, documentation and guideline requirements. - Provides and promotes exceptional customer service both internally and externally. - Manages pipeline for adherence to turn times. - Assists with management of the 2nd level review/Adverse Pipeline and the Income Review Pipelines. - Assists with management of underwriting scenarios. - Work closely with Loan Officers, Managers and staff to promote open and effective communication and to ensure quality service delivery to customers. - Ensure timely underwriting decisions while providing customers with the highest level of quality and customer service. - To be responsible for training and supervising personnel. - Attendance, promptness, professionalism, the ability to pay attention to detail, cooperativeness with co-workers and management, and excellent customer service. - Other duties or special projects as assigned. Who You Are - Working knowledge of all current regulations governing mortgage lending. - Working knowledge of investor and agency guidelines. - Government designation required (FHA, VA, FNMA/FHLM). - Ability to use systems and software programs needed to conduct daily business. - Ability to solve problems. - 10+ years’ experience in underwriting preferred. What You'll Get - Competitive compensation - Full benefits: medical, dental, vision, paid holidays, PTO, parental leave - Life insurance, short- and long-term disability, 401(k) with company match - Corporate wellness program - Employee discount on home mortgage purchases and refinances Lower provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training. Privacy Policy

Here at Lower, we believe homeownership is the key to building wealth, and we’re making it easier and more accessible than ever. As a mission-driven fintech, we simplify the home-buying process through cutting-edge technology and a seamless customer experience. With tens of billions in funded home loans and top ratings on Trustpilot (4.8), Google (4.9), and Zillow (4.9), we’re a leader in the industry. But what truly sets us apart? Our people. Join us and be part of something bigger. Job Description: As a Condo Review Analyst, you'll be responsible for reviewing condo project approvals for mortgage loans. This is a fully remote role. What You'll Do - Review condo documents for loans - Provide condo approval/warranty to align with agency requirements - Analyze condo project documentation - Respond to condo scenario inquiries - Assist with government condo approvals - Assist with training for Lower team members on the condo process - Communicate with various departments on the requirements for condo approval - Provide and promote exceptional customer service both internally and externally - Meet minimum new condo review submittal expectations ​ Who You Are - 2-4 years of mortgage underwriting or processing experience - Experienced with condo project reviews and documentation - Familiar with Fannie Mae & Freddie Mac guidelines - Proficient with Encompass - Able to work independently while meeting production standards - Detail-oriented and organized - Excellent communication and customer services skills What You'll Get - Competitive compensation - Full benefits: medical, dental, vision, paid holidays, PTO, parental leave - Life insurance, short- and long-term disability, 401(k) with company match - Corporate wellness program - Employee discount on home mortgage purchases and refinances Lower provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training. Privacy Policy

• Provide advanced analysis, troubleshooting, and resolution for end-user support requests across LOS, POS, and Process Automation systems. • Monitor ticket trends, identify recurring issues, and recommend process or training improvements. • Escalate and collaborate with development and product teams for complex system issues. • Assist with system administration tasks, including user setup, maintenance, and access management. • Support communication and training related to technology changes, enhancements, or system outages. • Maintain system documentation to capture solutions, root causes, and best practices. • Participate in special projects as a subject matter expert and provide input on process improvements. • Deliver exceptional customer service and serve as a trusted support resource for end users.

Here at Lower, we believe homeownership is the key to building wealth, and we’re making it easier and more accessible than ever. As a mission-driven fintech, we simplify the home-buying process through cutting-edge technology and a seamless customer experience. With tens of billions in funded home loans and top ratings on Trustpilot (4.8), Google (4.9), and Zillow (4.9), we’re a leader in the industry. But what truly sets us apart? Our people. Join us and be part of something bigger. Job Description: Ready to take your mortgage career to the next level with us? If you're already thriving in a direct-to-consumer lending environment, you know the formula: high-quality leads, fast tech, and a company that backs you with real support. At Lower, we’ve perfected that model - and we’re looking for NMLS-licensed loan officers who want to close more deals, earn more, and make a bigger impact. What You’ll Do - Work high-intent inbound leads - no cold calling, just real conversations with ready-to-act borrowers. - Connect via phone, text, and email to guide prospects through the loan process with clarity and confidence. - Educate and advise borrowers on products that fit their goals - whether it’s purchase, refi, or cash-out. - Analyze credit and financial data to match customers with the right solution. - Present pricing and terms in line with company standards and compliance requirements. - Drive repeat and referral business through exceptional service and follow-through. Who You Are - You hold an active NMLS license and have 1+ year of experience originating loans in a consumer-direct model. - You’re a closer - driven by performance, motivated by commission, and wired for results. - You thrive in a fast-paced, tech-enabled environment and know how to manage a high-volume pipeline. - You’re passionate about helping people make smart financial decisions and delivering a 5-star experience. - Experience with Encompass is a plus - but hustle and heart matter more. Why You’ll Love Lower - Best-in-class leads delivered daily - plus top-tier comp for any business you bring in yourself. - A brand built on trust: 20K+ five-star reviews across Google, Zillow, LendingTree, and Facebook. - Training that actually matters - weekly sessions to sharpen your skills and stay ahead of the curve. - A culture that rewards performance and celebrates impact. What You’ll Get - Competitive commission structure with uncapped earning potential - Full benefits: medical, dental, vision, paid holidays, PTO, parental leave - Life insurance, short- and long-term disability, 401(k) with company match - Corporate wellness program - Employee discount on home mortgage purchases and refinances Where You’ll Work You'll have the flexibility to work remotely from anywhere in the US. Want to close more loans with less friction? Let’s talk. Apply now and see what it’s like to work at a company that’s built for loan officers - by people who get it. Lower provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training. Privacy Policy