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Mortgage Disclosure Jobs (NOW HIRING)

Hope Credit Union

Mortgage Loan Processor

Birmingham, AL · On-site

$37K - $51K/yr

Must comply with the provisions of the Home Mortgage Disclosure Act (Regulation C). * Must comply with the provisions of the Homeowners Protection Act. * Must comply with the provisions of the ...

Shore United Bank

Disclosure Desk Specialist

Annapolis, MD · On-site

$22 - $32/hr

The Mortgage Disclosure Specialist will report to the Disclosure Desk Team Lead. This role is a central part of the loan process to ensure compliance with TRID and additional federal, state and local ...

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Mortgage Disclosure information

What is the difference between Mortgage Disclosure vs Mortgage Loan Officer?

AspectMortgage DisclosureMortgage Loan Officer
Primary RoleProviding required legal and regulatory disclosures to borrowersAssisting clients in selecting and applying for mortgage loans
CredentialsKnowledge of disclosure laws, compliance standardsLoan originator license, sales skills
Work EnvironmentLegal, compliance, administrative settingsBank, mortgage brokerage, sales environment
Industry UsageRegulatory documentation processClient interaction, loan processing

Mortgage Disclosure specialists focus on ensuring borrowers receive all necessary legal disclosures, while Mortgage Loan Officers actively guide clients through the loan application process. Both roles are essential in the mortgage industry but serve different functions related to compliance versus client service.

What are the key skills and qualifications needed to thrive as a mortgage disclosure specialist?

To thrive as a Mortgage Disclosure Specialist, you need a strong understanding of mortgage compliance regulations, attention to detail, and experience in loan processing or underwriting, often supported by a background in finance or real estate. Familiarity with loan origination systems (LOS), document management software, and compliance tools such as TRID and RESPA is typically required. Exceptional organizational skills, communication abilities, and problem-solving aptitude help professionals excel in coordinating disclosures and ensuring regulatory accuracy. These skills are vital to maintain legal compliance, avoid costly errors, and provide clear information to borrowers throughout the loan process.

What is a mortgage disclosure specialist?

Mortgage disclosure specialists are professionals who ensure that all legal and regulatory disclosure documents are accurately prepared and delivered to borrowers during the mortgage process. Their main responsibility is to make sure that borrowers receive clear and timely information about the terms, costs, and conditions of their mortgage loans, as required by laws such as the Truth in Lending Act (TILA) and the Real Estate Settlement Procedures Act (RESPA). This helps borrowers understand their financial obligations and protects lenders from compliance violations. Mortgage disclosure specialists work closely with loan officers, underwriters, and compliance teams to manage the documentation process efficiently.

What are some common challenges faced by professionals working in mortgage disclosure, and how can they be addressed?

Professionals in Mortgage Disclosure often face challenges such as ensuring strict compliance with rapidly changing federal and state regulations, managing tight disclosure timelines, and maintaining accuracy in loan documentation. Frequent communication with loan officers, underwriters, and compliance teams is essential to address discrepancies and prevent errors. Staying updated on regulatory changes and leveraging automated disclosure software can help streamline processes and reduce mistakes. Developing strong organizational skills and attention to detail will also support success in this role.
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Mortgage Disclosure jobs near you

Mortgage Loan Originator - Internal

Safety National

Sumter, SC • On-site

Full-time

Posted 13 days ago

Job description

SUMMARY:
Originates mortgage applications and conducts interviews with loan applicants. Gathers documents to help support approval decision. Reviews closing disclosure with member to prepare them for closing. In accordance with sound underwriting practices as set out in policy and procedure, examines, evaluates, and submits borrower's applicants for credit or extension of lines of credit.
ESSENTIAL DUTIES AND RESPONSIBILITIES :
• Meets assigned sales and service goals.
• Originates applications and conducts interviews with loan applicants through various service channels to include online, phone, Loan Service Center and Member Service Center.
• Enters mortgage applications into the origination system, pre-qualifications, pulls credit reports, tax assessments, and DU Findings.
• Provides in person, online or by telephone, information concerning the mortgage loan process and procedures, as well as other credit union products and services.
• Adheres to the Member Service Standards set forth by the credit union at all times.
• Processes real estate loan applications, including, conforming mortgage loans to secondary market standards (ordering credit reports, wood infestation reports, and income/employment and Assets Documentation).
• Assists the VP Mortgage Lending with training opportunities such as monthly webinars, mortgage training for staff and other training needs within the credit union.
• Maintains application and approval records to comply with the "Home Mortgage Disclosure Act" for the credit union.
• Assists the VP Mortgage Lending with various monthly reports regarding mortgage origination.
• Assists members, branch, and call-center personnel with questions regarding the mortgage process, mortgage products, pending applications, and member inquiries.
• Responds to member and potential borrower requests via phone, email, online/chat, and in person.
• Acts as a liaison to third parties as required for the mortgage process to include appraisers, mortgage attorneys, realtors, and builders.
• Cross sells other credit union products.
• Other duties as assigned.
EDUCATION and/or EXPERIENCE:
High school diploma; and at least two years related experience and/or training in real estate lending; or equivalent combination of education and experience in a related field.
Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws.
For further information, please review the Know Your Rights notice from the Department of Labor.

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