About Homeward

Homeward takes the what ifs out of homebuying by creating financial products that give buyers and sellers certainty and convenience. We're a fast-paced, remote-first real estate startup that partners with real estate agents to offer innovative products and services, helping clients buy with cash, sell with certainty, and time their move, regardless of the market.

Founder and CEO Tim Heyl, owner of one of the fastest-growing agent teams in the country, started Homeward in 2018 to fix the antiquated and broken real estate process. Today, we offer bundled cash offers, mortgage, and title services in 13 states, enabling buyers and sellers to move with certainty and convenience.

We're a fully remote company with a diverse team spread across several countries - Grounded in three core values: The Golden Rule, One Team One Dream, and Calm Focus. Hear from our employees about what our values mean to them.

About The Opportunity

The Homeward Mortgage Team is responsible for conducting the financial review and approval of every customer that works with Homeward. We're focused on bringing financial innovations to life and delivering a seamlessly integrated mortgage experience. We are the newest team at Homeward and are looking for subject matter experts and business people with an entrepreneur's mindset and ability to get stuff done.

As part of the team, you'll be ensuring that Homeward's customers move quickly and efficiently through the mortgage transaction ensuring all important dates are met. Your role is to deliver a seamless approval and closing experience to every Homeward customer. This position will challenge your ability to manage complex operational processes while working cross-functionally with other teams including product, engineering, and customer experience among others.

What You'll Do:

Review, execute and manage loan file registration and lock requests with appropriate investors

Perform lock desk functions including:
FNMA and FHLMC Cash window trading and delivery
Whole loan locks with delegated and non-delegate Investors
Managing lock confirmations, changes, reprices, and extensions

Monitor lock expiration dates, pricing accuracy, and investor eligibility
Process lock change requests, reprice requests, and lock extensions in a timely and accurate manner
Serve as a subject matter expert for lock desk operations and investor guidelines
Handle Servicing responsibilities like payoff requests, loan boarding, release of lien processing, customer/title inquiries calls/notifications, and other servicing functions
Prepare loan files for delivery to Investor and clear purchase conditions from Investors
Assist in review and preparation of PCCDs
Proactively identify issues and partner with internal teams to resolve them efficiently
Take ownership of operational improvements, process documentation, and special projects
Maintain strong communication with internal stakeholders to ensure transparency and alignment
Perform other duties as assigned

About You:

3+ years of hands-on Lock Desk experience within the U.S. mortgage industry
Required: Direct experience as a Fannie Mae and Freddie Mac Direct Seller
Required: Demonstrated experience trading and delivering loans through the FNMA and FHLMC Cash Window
Strong understanding of mortgage industry concepts, loan pricing, investor guidelines, and mortgage loan documentation
Experience using LendingPad and Optimal Blue strongly preferred
Proven ability to thrive in a fast-paced, high-volume production environment
Highly organized with strong attention to detail and excellent communication skills
Self-starter with the ability to work independently and lead initiatives when needed
Team-oriented mindset with the ability to collaborate cross-functionally

Value-Driven Employee Experience

THE GOLDEN RULE. It's simple: Treat others the way we want to be treated. Whether we're dealing with colleagues or customers, we don't prioritize money or growth over people, and we practice empathy at every opportunity.

CALM FOCUS. We work in tech and build solutions for real estate. Both are fast-paced and stressful industries. But by focusing on the larger objective rather than rushing from one task to the next, we can create solutions our customers love.

ONE TEAM, ONE DREAM. Big problems require big solutions. We look at our customers experiences holistically and recognize that solving them requires collaboration across teams and our three affiliate companies — Homeward, Homeward Mortgage and Homeward Title.

Lock Desk Analyst (India)