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.