Front-End Processor / Loan Structuring / Pre-Approval Specialist
Company Description
Kinsfolk Mortgage LLC is a fast-growing mortgage brokerage focused on helping individuals and families achieve homeownership through strategic, fully structured financing. We don’t believe in surface-level pre-approvals that fall apart later. Our approach is built on:
- Clean, accurate loan structuring
- Strong pre-approvals that hold up in underwriting
- Clear communication with clients and real estate partners
Our goal is to create a seamless, stress-free process while delivering a level of certainty that helps our clients win in competitive markets. Role Description This is a full-time, remote role for a Front-End Processor / Loan Structuring / Pre-Approval Specialist. This is not a traditional processor role. You will take a pre-qualified borrower and turn them into a fully structured, underwrite-ready file BEFORE they go under contract. Responsibilities include:
- Reviewing and analyzing borrower income, assets, and credit in detail
- Structuring loan files (FHA, VA, Conventional) for strong approvals
- Running and interpreting DU / LPA findings
- Identifying and resolving potential underwriting issues upfront
- Issuing fully vetted pre-approvals (not surface-level approvals)
- Communicating directly with clients to request and clarify documentation
- Preparing files for a smooth transition into underwriting once under contract
- Collaborating with Mortgage Advisors to ensure speed, accuracy, and a strong client experience
You will play a key role in ensuring our loans move through underwriting cleanly and close successfully. Qualifications:
- 2+ years of experience in mortgage processing, loan structuring, LOA, or underwriting
- Strong proficiency in handling loan documents and full loan file review
- Experience with DU / LPA and understanding of underwriting guidelines
- Strong knowledge of:
- Income calculation (W2, self-employed, variable income)
- Credit analysis
- FHA, VA, and Conventional loan programs
- Ability to identify potential issues before underwriting
- Strong verbal and written communication skills (client-facing role)
- Highly detail-oriented with strong organizational skills
- Ability to work independently in a remote environment
- Understanding of regulatory guidelines and compliance standards
Compensation
- Base Salary: $50,000 – $65,000 (based on experience)
- Performance-based bonuses tied to:
- Closed loans
- File quality
- Speed to approval
Top performers have the opportunity to earn $70,000 – $90,000+ total compensation. Additional Information This role is critical to our growth. We are building a system where:
- Clients are fully prepared before home shopping
- Files move cleanly through underwriting
- Closings happen faster with fewer issues
- If you take pride in building strong, accurate loan files and want to be part of a high-performance team, we’d love to connect.
Apply tot his job Apply To this Job