How To Become A Mortgage Counselor: What It Is and Career Path

What is a mortgage counselor and how to become one

Updated January 8, 2025

2 min read

Quoted expert

Dr. Tommy Casarez Ph.D.

There is more than meets the eye when it comes to being a mortgage counselor. For example, did you know that they make an average of $17.77 an hour? That's $36,967 a year! Between 2018 and 2028, the career is expected to grow -8% and produce -17,500 job opportunities across the U.S.

What general advice would you give to a mortgage counselor?

Dr. Tommy Casarez Ph.D.

Dr., Assistant Professor of Historical and Systematic Theology, Vanguard University

Opportunities come in many different shapes and sizes, but they are still out there. Whether you are seeking to land a job in education or the non-profit sector, you will need to familiarize yourself and get used to all things digital, for the sake of communicating effectively. The younger your student or service partner's mindset, the more digitally savvy you will need to be, especially in the classroom and in the non-profit world.

ScoreMortgage CounselorUS Average

Salary

2.9

Avg. Salary $36,967

Avg. Salary $59,228

Stability level

6.1

Growth rate -8%

Growth rate 0.3%

Diversity

5.4

Race

American Indian and Alaska Native 0.48%

Asian 5.85%

Black or African American 9.27%

Hispanic or Latino 16.11%

Unknown 4.64%

White 63.65%

Gender

female 58.70%

male 41.30%

Age - 44

Race

American Indian and Alaska Native 3.00%

Asian 7.00%

Black or African American 14.00%

Hispanic or Latino 19.00%

White 57.00%

Gender

female 47.00%

male 53.00%

Age - 44

Stress level

6.1

Stress level is manageable

7.1 - high

Complexity level

7.1

Complexity level is challenging

7 - challenging

Work life balance

8.9

Work life balance is excellent

6.4 - fair

Key steps to become a mortgage counselor

Explore mortgage counselor education requirements

Most common mortgage counselor degrees

Bachelor's

60.2 %

Associate

18.0 %

High School Diploma

10.7 %

Start to develop specific mortgage counselor skills

Skills	Percentages
Mortgage Loans	12.13%
Customer Service	11.98%
Foreclosure	10.05%
Outbound Calls	8.46%
FHA	4.60%

Complete relevant mortgage counselor training and internships

Accountants spend an average of 6-12 months on post-employment, on-the-job training. New mortgage counselors learn the skills and techniques required for their job and employer during this time. The chart below shows how long it takes to gain competency as a mortgage counselor based on U.S. Bureau of Labor Statistics data and data from real mortgage counselor resumes.

Research mortgage counselor duties and responsibilities

Manage internal team SharePoint and document repository.
Assist customers on various savings and checking account transactions; balance ATM.
Process negotiable items balance cash vault, teller cash drawer and the automated teller machine (ATM) daily.
Develop effective partnerships with non-profit organizations and community developments to improve origination of affordable housing loans for first time home buyers.

Get mortgage counselor experience

Generally, it takes 1-2 years to become a mortgage counselor. The most common roles before becoming a mortgage counselor include customer service representative, loan officer team lead and sales associate.

Prepare your mortgage counselor resume

When your background is strong enough, you can start writing your mortgage counselor resume.

You can use Zippia's AI resume builder to make the resume writing process easier while also making sure that you include key information that hiring managers expect to see on a mortgage counselor resume. You'll find resume tips and examples of skills, responsibilities, and summaries, all provided by Zippi, your career sidekick.

Choose from 10+ customizable mortgage counselor resume templates

Build a professional mortgage counselor resume in minutes. Browse through our resume examples to identify the best way to word your resume. Then choose from 10+ resume templates to create your mortgage counselor resume.

Apply for mortgage counselor jobs

Now it's time to start searching for a mortgage counselor job. Consider the tips below for a successful job search:

Browse job boards for relevant postings
Consult your professional network
Reach out to companies you're interested in working for directly
Watch out for job scams

How do mortgage counselors rate their job?

-/5

5 stars

4 stars

3 stars

2 stars

1 star

Mortgage counselor reviews

A zippia user wrote a review on Jul 2019

Pros

I enjoy over 31 years helping people to save there homes and pay there debt. I give options and remind them monthly when the payment is due. I have contact to help them and help the company I work for. Dealt with foreclose 31 years and help many customers. And the company in work for. Made customer comfortable to continue to pay there debt many miss informed. This job mad me feel good to help them and the company make it through. Being a lost mitigation specialist is difficult to reach out to the people I made it happen. Know my company sold out and I'm out of working at home. Please help me!!