Novus Home Mortgage

Role Description - Serve as a primary point of contact for borrowers, ensuring clear, professional, and timely communication throughout the loan process. - Assist borrowers with the collection of missing or outstanding documentation required for completion of the loan file. - Update Loan Officers on loan status, conditions, and documentation needs; copy Loan Officers on borrower correspondence and document requests. - Structure and prepare loan files in the Loan Origination System (LOS), ensuring accurate data entry and readiness for processing. - Work collaboratively with the Loan Processor to gather documentation needed to clear Loan Officer and underwriting conditions. - Perform administrative support functions including answering phones, scheduling meetings, preparing correspondence, scanning, faxing, copying, and data entry. - Run reports to support Loan Officer pipeline management, productivity tracking, and monthly performance monitoring. Qualifications - One (1) to four (4) years of recent mortgage loan processing experience required. - Working knowledge of Freddie Mac (FHLMC), Fannie Mae (FNMA), FHA, and VA loan programs preferred. - Familiarity with TILA / RESPA Integrated Disclosure (TRID) requirements. - Experience using a Loan Origination System (LOS), preferably Encompass. - Requires education generally equivalent to a high school diploma. - Experience using Microsoft Office products (i.e. Word, Excel, Outlook, PowerPoint, SharePoint). Requirements - Ability to speak, read, and write in English. - Fluency in additional languages preferred. - Ability to clearly communicate complex information to borrowers and internal partners. - Strong organizational skills with the ability to manage multiple files simultaneously. - Ability to deliver accurate, timely results while working under pressure with minimal supervision. - Demonstrated sound judgment and decision-making skills. - Excellent customer service, phone, and interpersonal skills. Benefits - This position's pay range is $18.00 - $21.00 per hour with a bonus opportunity. - This position may be onsite or remote supporting the Vienna, VA office.

This description is a summary of our understanding of the job description. Click on 'Apply' button to find out more. Role Description The Lock Desk Associate will assist with rate lock management, pipeline monitoring, lock extensions and changes, and maintaining accurate pricing data within the company’s pricing engine. This position provides strong exposure to mortgage capital markets and secondary marketing operations and offers growth opportunities into pricing, analytics, and capital markets roles. Essential Duties and Responsibilities - Rate Lock & Pricing Support - Process and confirm rate lock requests submitted by loan officers and production staff. - Review lock requests for accuracy, eligibility, and compliance with company pricing and lock policies. - Manage lock changes including extensions, relocks, renegotiations, and cancellations. - Maintain accurate lock information within the loan origination system and pricing engine (Optimal Blue). - Pipeline Monitoring - Monitor the locked pipeline for upcoming lock expirations and potential fallout risks. - Communicate proactively with loan officers and operations teams regarding lock status and expirations. - Assist Secondary Marketing in maintaining accurate pipeline data for loan sale execution. - Pricing Engine & System Support - Support daily pricing engine administration and updates within Optimal Blue. - Assist with troubleshooting pricing discrepancies or lock issues raised by production teams. - Help ensure pricing alignment with investor guidelines and internal pricing strategy. - Secondary & Capital Markets Support - Assist with pipeline tracking and reporting used for loan sale execution (best efforts, mandatory, and other delivery channels). - Support reconciliation of pipeline data between the LOS, pricing engine, and secondary systems. - Provide operational support to the Secondary Marketing team as needed. - Communication & Service - Serve as a resource to production and operations teams regarding lock desk policies and procedures. - Provide timely responses to lock desk inquiries from loan officers, processors, and internal staff. - Maintain strong working relationships across production, operations, and capital markets. Qualifications - 1–3 years of mortgage industry experience (lock desk, processing, capital markets, or secondary marketing preferred). - Experience working with Optimal Blue or other pricing engines preferred. - Familiarity with rate lock policies and pipeline management preferred. - Understanding of mortgage pricing and secondary market concepts preferred. - Experience supporting a lock desk or secondary marketing team preferred. - Requires education generally equivalent to a high school diploma. - Experience using Microsoft Office products (i.e. Word, Excel, Outlook, PowerPoint, SharePoint). - This position is onsite for those residing within a commutable distance to the corporate location in Brookfield, WI. This position has the option to be remote for those candidates who do not reside within a commutable distance to Brookfield, WI. - Pay range is $26.00 - $32.00 per hour.

This description is a summary of our understanding of the job description. Click on 'Apply' button to find out more. Role Description - Underwrite and assess credit quality of residential mortgage loans (conventional, FHA, VA, USDA, Bond). - Review income, assets, credit, collateral, and AUS/manual underwriting findings to ensure accuracy and compliance. - Analyze complex scenarios, including self-employed borrowers, layered financing, and first-time homebuyer programs. - Review property appraisals, fraud reports, and third-party verifications for validity, collateral acceptability, and risk mitigation. - Exercise good judgment and deliver an underwriting decision on each loan file within determined underwriting service level agreements. - Maintain quality standards and ensure compliance with federal and state regulations. - Interact with Quality Control, Compliance, and Funding for problem resolution, risk evaluation, and compliance concerns. - Communicate with the Loan Officer, Processor, and Closer to aid in resolving conditions. - Demonstrate proficiency in automated underwriting systems. Qualifications - Knowledge of basic lending and underwriting policies and procedures, including guidelines issued by FNMA and FHLMC. - Sound judgment and decision-making skills. - Ability to work under pressure and meet deadlines with minimal supervision. - Excellent organizational skills. - Knowledge of Freddie Mac, Fannie Mae and FHA/VA guidelines. Requirements - This position is offered as an onsite position for candidates who reside within commutable distance of our corporate location in Brookfield, WI. - For candidates outside a commutable distance of Brookfield, WI, this is offered as a remote position. - Pay range is $43.00 - $50.50 per hour plus bonus potential.

This description is a summary of our understanding of the job description. Click on 'Apply' button to find out more. Role Description - Manage daily lock desk activities including rate lock requests, lock extensions, relocks, renegotiations, and pricing exceptions. - Ensure accurate and timely application of rates, margins, and pricing updates within the LOS/PPE systems. - Review and validate loan lock accuracy, eligibility, and profitability in accordance with Flex Lending policies and investor guidelines. - Process complex lock scenarios and provide resolution on escalated or nuanced pricing questions. - Ensure all lock processes comply with internal controls, investor requirements, and regulatory standards. - Identify discrepancies or risk exposures in locked pipelines and proactively recommend corrective actions. - Support audit requests by providing necessary documentation, explanations, and historical pricing data. - Monitor lock expirations, fallout, and pipeline performance trends; escalate risks to leadership as needed. - Assist Secondary Marketing and Capital Markets in modeling pricing, margin strategies, and loan sale optimization. - Evaluate lock desk metrics and contribute to reports that support departmental forecasting and strategic planning. - Perform monthly purchase advice reconciliation and document any discrepancies between expected and actual proceeds at the time of loan purchase, including detailed explanations for variance. - Serve as a subject‑matter expert for Sales, Processing, Underwriting, and Closing teams regarding lock policies and pricing rules. - Provide coaching to junior lock desk analysts and contribute to training materials and SOP updates. - Collaborate with technology partners to test system enhancements, troubleshoot PPE/LOS issues, and improve workflow automation. Qualifications - 5+ years of Non-QM lock desk experience or 10-15+ years of experience in Mortgage Secondary Marketing. - Experience in non‑QM or specialty lending programs is preferred. - Background working in a high‑volume, multi‑channel lending environment. - Requires education generally equivalent to a high school diploma. - Experience using Microsoft Office products (i.e. Word, Excel, Outlook, PowerPoint, SharePoint). Requirements - Pay range: $66,000 - $89,000 annually. - Travel 20% for conferences and other events. - This position offers the option for Onsite work for individuals who live within a commutable distance to the corporate location in Brookfield, WI. - This position may be offered as remote for individuals who live outside a commutable distance to Brookfield, WI.

This description is a summary of our understanding of the job description. Click on 'Apply' button to find out more. Role Description The Corporate Loan Originator Assistant (LOA) provides crucial administrative and operational support to Mortgage Loan Originators across our branches and plays a key role in onboarding and supporting newly affiliated Novus LOAs. This role ensures a smooth loan process from application through closing by managing documentation, communications, and pipeline tracking. Additionally, the LOA will work closely with the Branch Support Manager to help integrate and support new hires joining the organization, serving as a point of contact for support during the transition period. - Assist MLOs in collecting, organizing, and verifying borrower documentation to ensure accurate and complete loan files. - Facilitate communication between borrowers, processors, underwriters, and closing agents to maintain workflow efficiency. - Support loan pipeline management by tracking application statuses and proactively resolving delays or issues. - Input and maintain accurate data in Encompass- Loan Origination System (LOS). - Deliver high-quality customer service to borrowers, responding promptly to inquiries and concerns. - Support new LOAs by assisting with process training, Encompass navigation, and integration with corporate procedures. - Act as a part of the onboarding team, helping new LOAs adapt to systems and internal workflows. - Maintain up-to-date knowledge of company products, policies, and regulatory requirements. - Collaborate with the VP of corporate processing on necessary process changes and opportunities for enhancements. Additional Duties - Execute additional administrative tasks and branch-level support initiatives as assigned by the Branch Support Manager. - Contribute to outreach efforts for new branches as needed. - Participate in staff meetings, trainings, and onboarding welcome sessions for newly affiliated branches. - Provide flexible assistance across departments to ensure successful branch integration and ongoing support. Qualifications - Execute additional administrative tasks and branch-level support initiatives as assigned by the Branch Support Manager. - Contribute to outreach efforts for new branches as needed. - Participate in staff meetings, trainings, and onboarding welcome sessions for newly affiliated branches. - Provide flexible assistance across departments to ensure successful branch integration and ongoing support. Requirements - Pay range is $25.00 - $28.00 per hour plus per file bonus when working as LOA. - This is a remote position.