The Mortgage Loan Officer (MLO) plays a crucial role in the home financing process, primarily focusing on communicating with borrowers to secure the details and commitment of loans for new or used Manufactured Housing (MH) homes. This position requires the MLO to assist borrowers throughout the entire home-buying journey, which includes reviewing and analyzing customer financial information, submitting applications, and monitoring the overall status of the customer journey and loan process. The MLO must be detail-oriented and stay informed about current and changing market trends and conditions. Clear communication and negotiation skills are essential for discussing loan terms, rates, down payments, and APR with potential borrowers. In addition to direct interaction with borrowers, the MLO collaborates closely with various stakeholders, including brokers, real estate agents, retail and independent MH dealers, MH communities, and internal teams such as Underwriting, Sales, Loan Processing, Funding, and Enabling Group teams. The MLO is responsible for originating and evaluating mortgage loans in accordance with company guidelines and standards. This includes collecting and analyzing prospective buyers' income, assets, liabilities, background checks, and loan application documents to assess creditworthiness. The MLO assists clients in completing mortgage applications, ensuring that all documents are accurate and thorough. Furthermore, the MLO interacts with customers, realtors, processors, and underwriters to facilitate a smooth transaction process. They are tasked with monitoring loan status, ensuring conformity to terms and regulatory guidelines, and maintaining an active and timely pipeline to exceed production standards. The role may also involve performing other duties as assigned, contributing to the overall efficiency and effectiveness of the mortgage lending process.