How to hire a home mortgage consultant

How to hire a home mortgage consultant, step by step

Here's a step-by-step home mortgage consultant hiring guide:

• Step 1: Identify your hiring needs
• Step 2: Create an ideal candidate profile
• Step 3: Make a budget
• Step 4: Write a home mortgage consultant job description
• Step 5: Post your job
• Step 6: Interview candidates
• Step 7: Send a job offer and onboard your new home mortgage consultant
• Step 8: Go through the hiring process checklist

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1. Identify your hiring needs

   Before you start hiring a home mortgage consultant, identify what type of worker you actually need. Certain positions might call for a full-time employee, while others can be done by a part-time worker or contractor.

   Determine employee vs contractor status

   Is the person you're thinking of hiring a US citizen or green card holder?

   Yes

   No

   You should also consider the ideal background you'd like them a home mortgage consultant to have before you start to hire. For example, what industry or field would you like them to have experience in, what level of seniority or education does the job require, and how much it'll cost to hire a home mortgage consultant that fits the bill.

   The following list breaks down different types of home mortgage consultants and their corresponding salaries.

   Type of Home Mortgage Consultant	Description	Hourly rate
   Home Mortgage Consultant	Loan officers evaluate, authorize, or recommend approval of loan applications for people and businesses.	$12-24
   Bank Officer	A bank officer is in charge of overseeing the daily operations at banking establishments, ensuring efficiency and client satisfaction. Their responsibilities include gathering and analyzing requests, approving and denying loan applications, providing consultations, processing client requests, and producing progress reports... Show more	$27-52
   Escrow Officer	Escrow officers, commonly known as loan officers, are responsible for real estate processing and finalizing deals. They ensure all documents are authentic and prepared, property titles are clear, and financial obligations have been thoroughly met by the buyer and seller... Show more	$17-33

   Show more

2. Create an ideal candidate profile

   Common skills:

   • Customer Service
   • Financial Professionals
   • NMLS
   • Real Estate Transactions
   • Customer Applications
   • Credit Data
   • Title Reports
   • HMC
   • Loan Applications
   • Origination
   • Loan Process
   • Lead Generation
   • Loan Procedures
   • FHA

   Check all skills

   Responsibilities:

   • Analyze applications to manage customer data and ensure an accurate loan origination process for purchase and refinance transactions.
   • Originate home loans for customers with various financing needs that include conventional, VA & FHA loans and high-risk consumers.
   • Advise customers regarding other foreclosure prevention alternatives including short sale and deed in lieu.
   • Register with NMLS and S.A.F.E.
   • Determine workout options including loan modifications, pre-foreclosure sale, deed in lieu, repayment plans and forbearance agreements.
   • Continue with on going training for new or experience collection counselor about information systems and collection guidelines in accordance with FDCPA.

3. Make a budget

   Including a salary range in your home mortgage consultant job description is one of the best ways to attract top talent. A home mortgage consultant can vary based on:

   • Location. For example, home mortgage consultants' average salary in mississippi is 43% less than in south dakota.
   • Seniority. Entry-level home mortgage consultants 48% less than senior-level home mortgage consultants.
   • Certifications. A home mortgage consultant with certifications usually earns a higher salary.
   • Company. Working for an established firm or a new start-up company can make a big difference in a home mortgage consultant's salary.

   Average home mortgage consultant salary

   $36,437yearly

   $17.52 hourly rate

   ---

   Entry-level home mortgage consultant salary

   $26,000 yearly salary

   Updated January 23, 2026

4. Writing a home mortgage consultant job description

   A home mortgage consultant job description should include a summary of the role, required skills, and a list of responsibilities. It's also good to include a salary range and the first name of the hiring manager. Below, you can find an example of a home mortgage consultant job description:

   Home mortgage consultant job description example

   Field Agent Underwriter / Leadership Position Employment Type: Full time and Part time positions available. Compensation: 100% Commission Based; UNCAPPED commissions with no limit on what you can earn. Finally get paid for the work and time you invest. Experience: No previous sales experience is required; our teams will help along the way. Training: Learn from the best in the business and from people who care about your success. NO COLD CALLING!!! Are you tired of working for someone else, building their dream while you sacrifice your own? Do you dream of the day quality family time not only means something, but HAPPENS? Would you love to find something flexible but profitable to do on your own, have time for your family, all while making an incredible income and building a legacy? Then, look no further! Benefits of working with us Knowing that you are protecting families and giving them peace of mind You decide whether you work full time or part time Getting paid for the effort and work you put into the business Unlimited earning potential Creates a Work-Life Balance Training on sales and product knowledge is top-notch A team type environment so you are never alone and help is only a phone call or text message away Growing a business while growing yourself through leadership skills and training Industry-leading compensation packages Exclusive lead program National conference and extensive product training Branded marketing assets and support World-class travel and incentive programs Skills and Traits that we are looking for: Someone who is coachable and willing to learn new skills Driven and full of heart and passion Someone dedicated to helping others Committed to being full of integrity and honesty Requirements: Smart Phone/Computer/Printer/Scanner (or an app that can scan) A valid driver’s license Reliable transportation Willingness to work leads in your county and surrounding areas Be at least 18 years of age Be authorized to work in the United States ****You must be able to pass a background check (no felonies) and either have a state life insurance license or the ability to obtain one (we will help you with the training and point you in the right direction to get this done quickly). ***** We are searching for self-driven individuals who are looking to build a business for themselves, but not by themselves. We are seeking individuals that we can train using a proven sales system, a team of mentors ready to help you at every turn, and a lead generation system that doesn’t require cold calling. This position is a home-based sales position that is extremely lucrative with an incredible commission structure. Each year, thousands of homeowners purchase new homes or refinance their existing home mortgage. These homeowners are each sent a letter offering them protection if they would be in an accident, become disabled, or would die. The homeowners fill out the form and send it back in. Our proven lead generation system then distributes the leads to our sales force for them to follow up with, make an appointment, and go sit with the clients to write coverage. There is no cold calling; only qualified, potential buyers. This system is revolutionizing the insurance industry and is allowing agents to make well over $100,000 in their first year regardless of experience. With a strong desire to learn and grow, you will be able to replicate these proven results. Basic Job Description We are seeking a field underwriter that is willing to receive information from interested homeowners and will then call to set appointments with the homeowners in their homes. While in the home, you will review the information provided by the client and present options that the homeowner could both qualify for and fit within their budget. Commissions Most mortgage protection products that are written average a commission of $500-600 per family that is protected. Average field underwriters sell 5 to 10 protection plans each week. Extensive and continual training is done on the sales process and the products. Other products are also available to sell such as accidental policies, child protection, critical illness and more. About Symmetry Financial Group: Symmetry Financial Group is the fastest growing insurance marketing
   organization in the country. Our extensive portfolio of life insurance and annuity
   products include Term, Mortgage Protection, Final Expense, UL, EIUL, Disability,
   Critical Illness, Annuity, EIA, SPIA, LTC, and more. Each of our state licensed
   representatives are independent brokers, and with that freedom, they have the
   resources to provide clients with endless options and the ability to customize the
   best coverage and prices that fit families’ needs.
   
   Our most important focus areas include getting agents paid quickly, keeping
   costs minimal and giving agents the training and support needed to achieve
   success. We host national conferences and events to support our agents in
   becoming experts on the industry-leading products we offer our clients.

   Copy this example

   

5. Post your job

   To find home mortgage consultants for your business, try out a few different recruiting strategies:

   • Consider internal talent. One of the most important talent pools for any company is its current employees.
   • Ask for referrals. Reach out to friends, family members, and your current work to ask if they know any home mortgage consultants they would recommend.
   • Recruit at local colleges. Attend job fairs at local colleges to recruit entry-level home mortgage consultants with the right educational background.
   • Social media platforms. LinkedIn, Facebook, and Twitter have more than 3.5 billion users, and they're a great place for company branding and reaching potential job candidates.

   Post your job online:

   • Post your home mortgage consultant job on Zippia to find and recruit home mortgage consultant candidates who meet your exact specifications.
   • Use field-specific websites such as efinancialcareers, financialjobsweb.com, careerbank, financial job bank.
   • Post a job on free websites.

6. Interview candidates

   Your first interview with home mortgage consultant candidates should focus on their interest in the role and background experience. As the hiring process goes on, you can learn more about how they'd fit into the company culture in later rounds of interviews.

   It's also good to ask about candidates' unique skills and talents. You can move on to the technical interview if a candidate is good enough for the next step.

   The right interview questions can help you assess a candidate's hard skills, behavioral intelligence, and soft skills.

7. Send a job offer and onboard your new home mortgage consultant

   Once you've decided on a perfect home mortgage consultant candidate, it's time to write an offer letter. In addition to salary, it should include benefits and perks available to the employee. Qualified candidates may be considered for other positions, so make sure your offer is competitive. Candidates may wish to negotiate. Once you've settled on the details, formalize your agreement with a contract.

   You should also follow up with applicants who don't get the job with an email letting them know that you've filled the position.

   Once that's done, you can draft an onboarding schedule for the new home mortgage consultant. Human Resources should complete Employee Action Forms and ensure that onboarding paperwork is completed, including I-9s, benefits enrollment, federal and state tax forms, etc. They should also ensure that new employee files are created for internal recordkeeping.

8. Go through the hiring process checklist

   • Determine employee type (full-time, part-time, contractor, etc.)
   • Submit a job requisition form to the HR department
   • Define job responsibilities and requirements
   • Establish budget and timeline
   • Determine hiring decision makers for the role
   • Write job description
   • Post job on job boards, company website, etc.
   • Promote the job internally
   • Process applications through applicant tracking system
   • Review resumes and cover letters
   • Shortlist candidates for screening
   • Hold phone/virtual interview screening with first round of candidates
   • Conduct in-person interviews with top candidates from first round
   • Score candidates based on weighted criteria (e.g., experience, education, background, cultural fit, skill set, etc.)
   • Conduct background checks on top candidates
   • Check references of top candidates
   • Consult with HR and hiring decision makers on job offer specifics
   • Extend offer to top candidate(s)
   • Receive formal job offer acceptance and signed employment contract
   • Inform other candidates that the position has been filled
   • Set and communicate onboarding schedule to new hire(s)
   • Complete new hire paperwork (i9, benefits enrollment, tax forms, etc.)

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