Homeowners Financial Group

Licensed Mortgage Professional

Minneapolis, MN

Since we first opened our doors in 2004, Homeowners Financial Group has been committed to serving the needs of borrowers, while maintaining a corporate culture focused on family. We take pride in being able to help people complete one of the most important financial transactions they will ever have–purchasing a home. With exceptional customer service and team members who possess a true passion for what they do, we don’t just make loans; we put the home of your dreams within your grasp.

Licensed Mortgage Professional

The Licensed Mortgage Professional (LMP) is responsible for developing new business, structuring and closing loans, as well as maintaining and servicing an existing portfolio. The LMP manages the customer through the entire loan process by setting expectations, taking applications, and managing closings. This involves collecting and analyzing information and documentation regarding the customer’s employment, income, assets, credit history, and debts to determine the appropriate mortgage loan financing options. This position also represents Homeowners Financial Group (HFG) in the local community through active involvement in community affairs and by participating in marketing efforts of HFG’s products and services. LMP must hold an active Mortgage Originator License through NMLS. This role will be responsible for the following:

  • Proactively solicits new residential mortgage business and originates HFG mortgage products to meet established loan quality and production goals.
  • Continually identifies, develops, and maintains a quality network of business relationships that serves as a recurring source of referrals for new mortgage lending opportunities. A network is enhanced by the LMP’s regular participation in community efforts promoting homeownership, business related development opportunities, and professional organizations.
  • Responds in a timely and professional manner to customer inquiries and referrals that are generated through personal contacts or HFG’s business channels. Converts company- provided leads into personal appointments.
  • Conducts interviews with prospective borrowers in order to analyze financial and credit data and determines customer financing objectives. Advises customers of advantages and disadvantages of loan products and pricing and gathers any additional information required.
  • Manages overall customer interaction and interfaces with all parties involved on each individual loan from application to closing, including but not limited to counseling and pre-qualifying potential homeowners
  • Negotiates terms, structures loan financing based on risk considerations, and presents credits for approval to appropriate levels of authority within HFG.
  • Maintains a thorough knowledge of lending programs, policies, procedures and regulatory requirements
  • Demonstrates a commitment to professional ethics, complies with all Federal and State policies, and adheres to HMDA requirements.
  • Stays abreast of trends and developments in the local real estate market and competitive environment.
  • Provides monthly projections for production on a timely basis.
  • May partner with Mortgage Assistants’ to provide guidance around all aspects of the sales process.
  • Participates in HFG internal meetings and required trainings.
  • Maintains a professional image and demonstrates an understanding of and follows all HFG Policies and Procedures.Proactively solicits new residential mortgage business and originates HFG mortgage products to meet established loan quality and production goals.
  • Responds in a timely and professional manner to customer inquiries and referrals that are generated through personal contacts or HFG’s business channels. Converts company- provided leads into personal appointments.
  • Conducts interviews with prospective borrowers in order to analyze financial and credit data and determines customer financing objectives. Advises customers of advantages and disadvantages of loan products and pricing and gathers any additional information required.
  • Manages overall customer interaction and interfaces with all parties involved on each individual loan from application to closing, including but not limited to counseling and pre-qualifying potential homeowners
  • Obtains all necessary supporting documents and collects the appropriate fees.
  • Negotiates terms, structures loan financing based on risk considerations, and presents credits for approval to appropriate levels of authority within HFG.
  • Maintains a thorough knowledge of lending programs, policies, procedures and regulatory requirements
  • May partner with Mortgage Assistants’ to provide guidance around all aspects of the sales process.
  • Participates in HFG internal meetings and required trainings.
  • Maintains a professional image and demonstrates an understanding of and follows all HFG Policies and Procedures.Proactively solicits new residential mortgage business and originates HFG mortgage products to meet established loan quality and production goals.

Experience and Background

  • High School Diploma or equivalent required
  • Minimum of 3 years of experience in loan origination for both FHA and conventional loans with a proven track history of funding preferred.
  • Active Mortgage Originator license through NMLS required in all states in which loans are originated.
  • Proven sales ability
  • Excellent written and verbal communication skills
  • Provides strong customer service to internal and external customers
  • Ability to develop positive relationships
  • Exceptional organization and time management skills. Ability to manage multiple tasks and deadlines in a fast paced environment
  • Independent, self-starting, team player with a positive attitude.
  • Ability to read, analyze, and interpret financial data
  • Proficient PC skills to include Excel, Word, and Microsoft Outlook
  • Experience utilizing laptop technology for communication purposes including accessing rate, credit and loan status information
  • Experience with Encompass/ Optimal Blue/ DU/ LP/ and major origination systems preferred
  • Working knowledge of mortgage industry, products, lending practices, and regulatory (federal and state) guidelines.
  • Working knowledge of mortgage origination process, FNMA, FHA, VA, RD, and SAFE ACT guidelines.
Homeowners Financial Group

Brett Toyne

Midwest Regional Sales Manager
use your email instead