ZipRecruiter

Log In

1

Mortgage Jobs in Racine, WI (NOW HIRING)

Robert Half

Mortgage Post Closing Specialist

Milwaukee, WI · On-site

$45K - $52K/yr

We are looking for a detail-oriented Mortgage Post Closing Specialist to support post-closing operations in a western suburb of Milwaukee, Wisconsin. In this role, you will help ensure residential ...

Waterstone Mortgage

Loan Originator

Brookfield, WI · On-site

Waterstone Mortgage was recently named the #2 Best Company to Work For by Mortgage Executive Magazine ! Our company culture is second to none; to learn more about our exceptional work/life balance ...

Wintrust

Loan Originator - (Illinois)

Antioch, IL

Wintrust Mortgage was founded in 1981 to help customers achieve the American dream of homeownership and has since successfully navigated the ever-changing real estate market. As a full-service ...

previous page

Showing results 41-60

All JobsMortgage JobsMortgage Jobs in Racine, WI

Mortgage information

See Racine, WI salary details

$22.7K

$66.5K

$131.8K

How much do mortgage jobs pay per year?

As of Aug 8, 2026, the average yearly pay for mortgage in Racine, WI is $66,532.00, according to ZipRecruiter salary data. Most workers in this role earn between $39,209.00 and $84,087.00 per year, depending on experience, location, and employer.

What jobs are in the mortgage industry?

The mortgage industry plays an essential role in helping people acquire a home or other real estate. A loan officer is a typical position in the field, and the one most home buyers are likely to encounter first. Loan officers are responsible for acting as an intermediary between the borrower and the lender, who is usually, if not always, a bank. You could also be a mortgage underwriter, responsible for finalizing the transaction by approving or denying a borrower based on income, credit, and other factors. Or you could be an escrow agent, responsible for transferring the ownership of a property from one party to another.

What are the main challenges a mortgage loan officer faces when working with clients?

Mortgage loan officers often encounter challenges such as navigating complex lending regulations, managing tight deadlines, and addressing clients’ unique financial situations. They must balance the needs of both borrowers and lending institutions, which requires strong communication and problem-solving skills. Additionally, fluctuating interest rates and changing market conditions can impact the loan approval process, making adaptability and up-to-date industry knowledge essential.

What are the key skills and qualifications needed to thrive as a mortgage loan officer, and why are they important?

To thrive as a Mortgage Loan Officer, you need strong knowledge of lending processes, financial analysis, and relevant regulations, typically supported by a bachelor's degree in finance or a related field and state licensing. Familiarity with loan origination software (LOS), customer relationship management (CRM) systems, and compliance tools is essential. Excellent interpersonal skills, attention to detail, and the ability to build trust with clients help set top performers apart. These skills ensure accurate loan processing, regulatory compliance, and successful client relationships, which are crucial for business growth and customer satisfaction.

What is a mortgage?

Mortgages are loans specifically used to purchase real estate, such as a house or property. When you take out a mortgage, you borrow money from a lender and agree to pay it back, usually in monthly installments, over a set period (often 15 or 30 years). The property itself serves as collateral, meaning the lender can take ownership if you fail to make payments. Mortgages come in various types, such as fixed-rate and adjustable-rate, each with different terms and interest rates. Understanding the basics of mortgages can help you make informed decisions when buying a home.

What is the difference between Mortgage vs Loan Officer?

AspectMortgage
RoleMortgage
Primary FocusFacilitating home loans and mortgage financing
CertificationsMortgage license, state-specific licensing
Work EnvironmentBanking institutions, mortgage companies, online platforms
Industry UsageReal estate, banking, finance

The term "Mortgage" generally refers to the financial product or the process of obtaining a home loan. A "Loan Officer" is a professional who evaluates, authorizes, and recommends approval of various types of loans, including mortgages. While mortgage professionals specialize in home loans, loan officers may handle a broader range of loan types. Both roles often require similar certifications and work within the banking or finance industry, but their specific focus differs.

More about Mortgage jobs
What are popular job titles related to Mortgage jobs in Racine, WI? For Mortgage jobs in Racine, WI, the most frequently searched job titles are:
What job categories do people searching Mortgage jobs in Racine, WI look for? The top searched job categories for Mortgage jobs in Racine, WI are:
What cities near Racine, WI are hiring for Mortgage jobs? Cities near Racine, WI with the most Mortgage job openings:
Mortgage jobs near you
Infographic showing various Mortgage job openings in Racine, WI as of July 2026, with employment types broken down into 80% Full Time, 11% Part Time, and 9% Contract. Highlights an 83% In-person, and 17% Remote job distribution, with an average salary of $66,532 per year, or $32 per hour.

UW, Construction & Renovation

Novus Home Mortgage

Brookfield, WI • On-site

$109K/yr

Full-time

Posted 25 days ago

Job description

The Construction and Renovation Underwriter is responsible for analyzing, evaluating, and underwriting residential construction, construction-to-permanent, renovation, rehabilitation, and specialty renovation mortgage loans. This position ensures loan applications meet agency, investor, regulatory, and company guidelines while delivering sound credit decisions and maintaining exceptional service levels. The Underwriter works closely with loan officers, processors, contractors, appraisers, and internal stakeholders to assess borrower qualifications, construction feasibility, project budgets, and collateral adequacy.
The ideal candidate possesses extensive knowledge of residential mortgage underwriting, construction lending, renovation financing programs, and applicable regulatory requirements. This role requires strong analytical skills, attention to detail, and the ability to effectively communicate underwriting decisions and requirements.
Essential Duties and Responsibilities:
  • Underwrite residential construction, renovation, and rehabilitation mortgage loan applications in accordance with agency, investor, and company guidelines.
  • Analyze borrower creditworthiness, including income, assets, liabilities, employment, reserves, and overall financial capacity.
  • Review construction and renovation plans, budgets, contractor information, draw schedules, and project feasibility.
  • Evaluate appraisal reports, plans and specifications, permits, inspections, and related collateral documentation.
  • Assess risk factors and determine eligibility for construction-to-permanent financing and renovation loan programs.
  • Review and validate contractor credentials, licensing, insurance coverage, and project experience as required.
  • Ensure loan files meet FHA 203(k), Fannie Mae HomeStyle®, Freddie Mac Choice Renovation®, USDA, VA, and proprietary loan program guidelines as applicable.
  • Calculate qualifying income for self-employed, commissioned, and complex borrowers.
  • Issue credit decisions, conditions, suspense notices, and final approvals within established service-level expectations.
  • Collaborate with processing, closing, quality control, compliance, and secondary marketing teams to resolve underwriting concerns.
  • Provide clear and concise explanations regarding loan decisions and required conditions.
  • Review and approve construction draw requests and project milestones when applicable.
  • Maintain a thorough understanding of evolving agency, investor, and regulatory requirements.
  • Participate in audits, quality control reviews, and investor examinations.
  • Serve as a subject matter expert for construction and renovation lending products.
  • Assist with training and mentoring junior underwriters and operations staff.
  • Perform additional duties as assigned.

An individual in this position must be able to successfully perform the essential duties and responsibilities listed above. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of this position.
Knowledge, Skills and Abilities:
  • Comprehensive knowledge of residential mortgage underwriting principles and risk assessment.
  • Strong understanding of construction-to-permanent and renovation loan products.
  • Knowledge of FHA, VA, USDA, Fannie Mae, Freddie Mac, and non-agency underwriting guidelines.
  • Familiarity with construction budgeting, project funding, draw administration, and contractor management.
  • Understanding of residential appraisal methodologies and property valuation standards.
  • Knowledge of mortgage lending regulations and compliance requirements.
  • Excellent verbal and written communication skills.
  • Effective problem-solving and risk evaluation skills.
  • Proficiency with Loan Origination Systems (LOS), Automated Underwriting Systems (AUS), and mortgage technology platforms.
  • Strong attention to detail and accuracy.

Qualifications:
  • Minimum of 3-5 years of residential mortgage underwriting experience.
  • Minimum of 2 years underwriting construction, renovation, or rehabilitation loans preferred.
  • DE, SAR, VA LAPP, or other underwriting certifications are a plus.
  • Experience with FHA 203(k), HomeStyle®, Choice Renovation®, and construction-to-permanent lending strongly preferred.
  • Experience using Microsoft Office products (i.e. Word, Excel, Outlook, PowerPoint, SharePoint).

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
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.

Apply