Remote USDA Mortgage Processor

Job Summary

The Remote USDA Mortgage Processor is pivotal in ensuring accurate and timely processing of rural development loan applications. As part of a dedicated and collaborative lending team, you will guide mortgage files through critical milestones, from initial documentation to final approval. This opportunity is ideal for detail-oriented professionals who excel in structured environments and thrive on consistent workflow execution. You’ll be a reliable point of contact throughout the mortgage pipeline, navigating evolving regulatory landscapes and maintaining compliance with USDA guidelines. Your contribution directly supports low-to-moderate income families in achieving homeownership in rural communities.

Primary Responsibilities

Loan Application Management

• Process USDA loan applications with precision and adherence to agency-specific regulations
• Collect, analyze, and verify borrower documents, including income, assets, and property eligibility.
• Confirm that loans meet USDA Rural Development and Guaranteed Loan program requirements.
• Maintain meticulous records of communications and documentation within the LOS.

Cross-Team Collaboration

• Liaise with underwriters to fulfill conditions and address escalations
• Collaborate with loan officers and closing departments to manage expectations and timelines
• Communicate with title agents, appraisers, and insurance providers to finalize document readiness
• Ensure that every stakeholder remains informed of file progress and key updates

File Documentation and Review

• Order third-party services such as credit reports, tax transcripts, VOEs, flood certifications, and title commitments.
• Evaluate creditworthiness and DTI ratios using AUS recommendations and program overlays.
• Review and submit completed files to underwriting for conditional approval
• Work proactively to clear outstanding conditions and expedite closings
• Ensure closing packages and disclosures are accurate and delivered by the TRID guidelines

Remote Work Environment

Professional Setting

You'll experience autonomy within a digitally integrated work environment as a fully remote team member. Access to secure technology and clearly defined workflows empowers you to focus on productivity while aligning with broader team goals. Performance is evaluated through accuracy, compliance, and file turnaround time, not physical presence.

Communication Standards

• Use clear and concise written communication in all documentation and emails
• Maintain proactive contact with internal teams and borrowers to manage expectations
• Utilize video meetings for complex discussions and collaborative planning

Team Interaction

• Participate in morning syncs or virtual check-ins to coordinate priorities
• Engage in knowledge sharing and continuous improvement through remote coaching
• Embrace a culture of accountability, mutual respect, and shared success

Technology and Software Tools

• Encompass or BytePro LOS systems for managing loan documentation and tasks
• GUS (Guaranteed Underwriting System) for eligibility determination and automated underwriting
• Secure electronic signature platforms such as DocuSign
• Adobe Acrobat and MS Office for file handling, formatting, and secure recordkeeping
• Slack or similar tools for real-time internal communication

Candidate Requirements

Minimum Qualifications

• 2+ years of experience processing government-backed loans, with a strong focus on USDA rural mortgage loans
• Demonstrated expertise in reviewing complex financial documentation and automated underwriting feedback
• Completion of secondary education or equivalent experience (college coursework or a degree in finance or business administration is a plus)
• Capable of managing tasks autonomously and efficiently while meeting tight deadlines
• Proficient with digital tools and virtual workspaces
• Strong problem-solving skills and an analytical mindset

Preferred Qualifications

• Prior experience working exclusively on USDA loan programs
• Familiarity with GUS and the corresponding USDA manual underwriting processes
• Understanding of TRID, RESPA, and related compliance laws
• Experience managing remote communication with borrowers and team members across different time zones

Compensation and Perks

• Annual salary of $51,256, with opportunities for performance-based bonuses
• Paid virtual onboarding with training focused on USDA and rural housing lending
• Monthly remote productivity stipends for home office equipment or internet reimbursement
• Flexible scheduling to help balance personal and professional responsibilities
• Wellness initiatives and access to virtual team-building events
• Eligibility for advancement to senior roles is based on performance

Your Impact and Career Advancement

By providing an efficient and compliant processing experience, you help rural borrowers realize their dreams of homeownership. The accuracy and timeliness of your work directly influence funding success, borrower satisfaction, and lender credibility in the USDA mortgage space.

Long-Term Growth Path

• Step into roles like Senior Processor, Underwriter, or Processing Supervisor with a focus on USDA, FHA, and VA loans
• Develop niche expertise in rural development, housing, and affordable lending markets.
• Participate in professional development through industry certifications and internal mentoring programs.

Call to Action

Apply today if you’re ready to combine technical excellence with purpose-driven lending. Help families across rural America access the funding they need by joining a team where your expertise builds trust and your commitment drives results. Take the next step in your mortgage career—without leaving home.