US Mortgage Loan Processor

Mortgage Loan Processor - Non-QM / DSCR

Remote U.S. Eastern Time (EST) Full-time

Company: HomeAbroad Inc. (NMLS ) - parent company of HomeAbroad and Ziffy.ai

About Us

HomeAbroad Inc. is a U.S.-based, AI-native PropTech and mortgage company built around a single idea: Discover, Analyze, Finance. We run two brands on one platform and one operations team.

• HomeAbroad - Non-QM and DSCR lending for foreign nationals and global investors buying U.S. investment real estate. This is where we started, and it remains one of the most specialized foreign-national lending desks in the country.
• Ziffy.ai - an AI-powered property discovery and analysis platform for domestic U.S. investors, with millions of indexed investment properties. Ziffy finds the deal; our mortgage desk finances it.

Both brands feed the same pipeline. That means a processor here sees a genuinely broad book of Non-QM work - foreign national files with international documentation on one side, domestic DSCR investor files on the other - rather than the same file over and over.

We are tech-forward by design. Our loan processing runs on ClearPath, our own internal processing platform, alongside an AI lender-matching engine and a modern communications stack. You'll spend your time on judgment and borrower outcomes, not on chasing spreadsheets.

We're expanding mortgage operations and hiring an experienced Non-QM Loan Processor to work U.S. Eastern hours.

Role Overview

As a Mortgage Loan Processor - Non-QM, you'll own loan files end-to-end from initial disclosure through clear-to-close, across both the HomeAbroad (foreign national) and Ziffy (domestic investor) books of business.

You'll work directly with U.S.-based loan officers, underwriters, borrowers, and third-party vendors. The role is 100% remote, requires hands-on DSCR experience, and demands excellent English communication - you will be borrower-facing.

Key Responsibilities

• Process Non-QM mortgage loan files end-to-end across both brands
• Review and analyze loan applications, credit reports, income, asset, and property documents - including international documentation on foreign national files
• Prepare and submit complete, clean loan packages to underwriting
• Order and track third-party services (appraisal, title, insurance, entity docs, etc.)
• Clear underwriting conditions quickly and accurately
• Keep pipeline status current in ClearPath and hit closing timelines
• Communicate clearly with loan officers, borrowers, and internal teams across email, CRM, and LOS
• Ensure compliance with lender and regulatory guidelines
• Maintain accurate loan documentation and disclosures

Required Experience & SkillsMust-Have

• 2+ years of U.S. mortgage loan processing experience
• Hands-on Non-QM experience - DSCR required
• Experience working with U.S.-based mortgage brokerages or lenders
• Strong grasp of DSCR guidelines, rent schedules, appraisals, and credit analysis
• Excellent written and spoken English
• Able to work U.S. Eastern hours (overlap with U.S. business hours is mandatory)

Technical

• Loan Origination Systems (Encompass or similar)
• Strong Excel (calculations, trackers, data review)
• Adobe Acrobat (PDF review, bookmarking, file management)
• CRM and document management systems

Nice-to-Have

• Foreign national loan experience
• Investor / rental-property borrower experience (LLC vesting, entity docs, short-term rental income)
• Exposure to multiple Non-QM lenders
• Prior experience on a remote U.S. operations team
• Understanding of broker-to-lender workflows
• Comfort adopting new internal tools quickly - we ship product often

Work Details

• Location: Remote
• Hours: U.S. Eastern Time (EST)
• Type: Full-time
• Growth: Clear path to Senior Processor / Team Lead as the desk scales

Why Join Us?

• Two brands, one desk. Foreign national and domestic investor Non-QM volume in the same seat - rare range for a processor.
• Direct access to U.S. leadership. Small team, no layers, decisions in hours not weeks.
• Real tooling. ClearPath, AI lender matching, and an engineering team that fixes your workflow when you tell them it's broken.
• High-value, specialized files. DSCR and Non-QM, not commodity conventional volume.
• Long-term growth with a scaling AI-native mortgage platform.

How to Apply

Send us:

• Updated resume
• A brief note on your Non-QM / DSCR experience
• Confirmation of EST availability