US Mortgage

About us:

Befree is a globally trusted provider of accounting and finance offshoring solutions. We blend

industry expertise with technology and automation to deliver customised, scalable support for

businesses worldwide.

Headquartered in Gandhinagar, with clients across Australia, the UK, the US, we help practices

and businesses enhance efficiency, productivity, and continuity through skilled and certified

professionals delivering world-class services. Our delivery centres across 10 cities in India

serve as the backbone of our global service delivery network.

Role: US Mortgage Operations

In this role, you will be responsible for end-to-end processing support for Residential US

mortgage loans. You will work closely with brokers, lenders, and third-party vendors to

ensure timely, compliant, and accurate loan file processing through all stages of the

mortgage lifecycle.

Responsibilities

● Review and verify mortgage loan applications (1003 / URLA) and supporting

financial documents (W-2s, tax returns, pay stubs, bank statements, asset

documentation).

● Analyze Title Reports, Appraisals, Flood Certifications, Tax Transcripts (4506-C), VOE

(Verification of Employment), and Verification of Mortgage or Verification of Rent.

● Reconcile borrower income, assets, credit histories, and liabilities according to

Fannie Mae, Freddie Mac, FHA, VA, and USDA guidelines.

● Clear underwriting conditions and assist in resolving complex document

discrepancies or red flags.

● Ensure strict adherence to US mortgage regulatory compliance standards (TRID,

RESPA, TILA, CFPB, QM/ATR rules).

● Coordinate with settlement agents, title companies, and attorneys to gather closing

documents.

● Assist in post-closing reviews, trailing document management, and investor

delivery readiness.

● Maintain clear and direct communication with loan officers, processors, and

management regarding pipeline status and bottleneck resolution.

Qualifications and Experience

● Qualifications: Bachelor's degree in finance, Business Administration, Commerce,

or a related field.

● Exposure to NMLS guidelines, or coursework toward MBA-CMB or similar mortgage

banking certification.

● Experience: 3 to 5+ years of hands-on experience in US Residential Mortgage

Processing / Support. Prior experience working in a Global Capability Centre (GCC),

BPO, or shared services environment handling US mortgage operations.

● Domain Knowledge: Strong understanding of the end-to-end US mortgage

lifecycle (Origination, Processing, Underwriting Support, Closing, Post-Closing).

● Guidelines: Solid knowledge of Conventional (Fannie Mae / Freddie Mac) and

Government (FHA / VA / USDA) loan products.

● Systems Experience: Hands-on experience with modern Loan Origination Systems

(LOS) such as Encompass, Calyx Point, or BytePro.

Key Skills

● Regulations: Familiarity with federal mortgage regulations including TRID, RESPA,

ECOA, and TILA.

● Skills: Ability to independently identify discrepancies across income, asset, and

credit documentation under production deadlines; clear written and verbal

communication with US-based stakeholders; strong numerical accuracy in

reconciling borrower financials.

Interested candidates can drop their CV's to [Confidential Information]

Regards,

Monisha T

Senior HR TA

P - 9898837823

E - [HIDDEN TEXT]