Careers

Essential Functions:

• Provides service to applicants and prospective customers seeking a home loan, including interviewing, pre-qualification, and pre-approval
• Completes application and gathers supporting documentation
• Reviews and completes regulatory disclosures with customer
• Quotes and locks in mortgage loans with our investor contacts
• Maintains existing and generates new sources of referral business
• Sets up loans in our Loan Origination Software (LOS)
• Utilizes automated underwriting systems (AUS) to obtain credit recommendations
• Communicates with customers regarding the status of the loan and relays information to all interested parties.
• Communicates with all parties in a professional and courteous manner Manages his/her pipeline of loans to verify accuracy of the current loan status
• Understands and abides by Dragas Mortgage Policies and Procedures
• Engage in local area events and community activities/organizations to develop new business and grow awareness of employer in the mortgage loan market
• Stays abreast of current changes in the mortgage loan industry
• Abide by all applicable federal laws, rules and regulations relating to Anti-Money Laundering (AML) and the Bank Secrecy Act (BSA)

Minimum Required:

• High School Diploma or equivalent
• Must have a valid NMLS Registry # National and Virginia State License is required or able to obtain within 90 days of hire date
• Minimum of 3 years’ experience originating VA, FHA, Conventional and VHDA loans
• Proven track record of originating and closing first mortgage loans
• Currently possess sources of referral business for purchase transactions & refinance transactions
• Awareness of FNMA/FHLMC, FHA, VA and VHDA underwriting guidelines
• Maintain confidentiality Excellent oral and written communication skills

Dragas Mortgage Company is an Equal Opportunities, Protected Veterans, and Individuals with Disabilities employer.

Essential Functions:

• Review initial loan approval
• Work with the borrower to gather financial information such as credit reports, verify the accuracy to determine creditworthiness and completes mortgage loan application
• Order property and loan documentation such as appraisals, inspections, title searches, site surveys, contracts, and property tax records to help process the mortgage loan files
• Correct mistakes and investigate inconsistencies with loan documentation
• Act as a liaison between borrower, loan officer and underwriter
• Ensure loan files meets lending and regulatory guidelines and policies
• Prepare and submit detailed loan packages to the underwriter for approval
• Maintain detailed documentation of the process from origination to closing
• Conduct a final review of the loan file before closing

Minimum Required:

• High School Diploma or GED equivalent required
• Associate’s degree in accounting, finance or business is preferred
• Minimum of 2+ years loan processing experience required
• Experience in mortgage lending and knowledge of loan types, such as Conventional, FHA, VA, VHDA
• Awareness of FNMA/FHLMC, FHA, VA and VHDA underwriting guidelines
• Proficient in mortgage loan computer software
• Outstanding oral and written communication and customer service skills
• Strong analytical and time management skills and superior attention to detail
• Well organized and able to handle pressure
• Demonstrate good credit worthiness
• Maintain confidentiality

Dragas Mortgage Company is an Equal Opportunities, Protected Veterans, and Individuals with Disabilities employer.