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Mortgage counselor vs mortgage specialist

The differences between mortgage counselors and mortgage specialists can be seen in a few details. Each job has different responsibilities and duties. While it typically takes 1-2 years to become a mortgage counselor, becoming a mortgage specialist takes usually requires 2-4 years. Additionally, a mortgage specialist has an average salary of $38,757, which is higher than the $36,967 average annual salary of a mortgage counselor.

The top three skills for a mortgage counselor include mortgage loans, customer service and foreclosure. The most important skills for a mortgage specialist are customer service, residential mortgage loans, and origination.

Mortgage counselor vs mortgage specialist overview

Mortgage CounselorMortgage Specialist
Yearly salary$36,967$38,757
Hourly rate$17.77$18.63
Growth rate-8%-3%
Number of jobs30,69426,471
Job satisfaction--
Most common degreeBachelor's Degree, 60%Bachelor's Degree, 55%
Average age4542
Years of experience24

Mortgage counselor vs mortgage specialist salary

Mortgage counselors and mortgage specialists have different pay scales, as shown below.

Mortgage CounselorMortgage Specialist
Average salary$36,967$38,757
Salary rangeBetween $28,000 And $47,000Between $29,000 And $51,000
Highest paying City-Oakland, CA
Highest paying state-Washington
Best paying company-Citi
Best paying industry-Finance

Differences between mortgage counselor and mortgage specialist education

There are a few differences between a mortgage counselor and a mortgage specialist in terms of educational background:

Mortgage CounselorMortgage Specialist
Most common degreeBachelor's Degree, 60%Bachelor's Degree, 55%
Most common majorBusinessBusiness
Most common collegeStanford UniversityUniversity of Pennsylvania

Mortgage counselor vs mortgage specialist demographics

Here are the differences between mortgage counselors' and mortgage specialists' demographics:

Mortgage CounselorMortgage Specialist
Average age4542
Gender ratioMale, 41.3% Female, 58.7%Male, 39.3% Female, 60.7%
Race ratioBlack or African American, 9.3% Unknown, 4.6% Hispanic or Latino, 16.1% Asian, 5.9% White, 63.6% American Indian and Alaska Native, 0.5%Black or African American, 13.3% Unknown, 4.4% Hispanic or Latino, 14.2% Asian, 7.5% White, 60.2% American Indian and Alaska Native, 0.4%
LGBT Percentage8%7%

Differences between mortgage counselor and mortgage specialist duties and responsibilities

Mortgage counselor example 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.
  • Process retirement accounts and IRAS.
  • Counsele prospective customers on retirement options and open new IRAs.
  • Show more

Mortgage specialist example responsibilities.

  • Manage internal team SharePoint and document repository.
  • Time management and organization skills to effectively prioritize multiple objectives and achieve volume goals.
  • Work due diligence and process loans per FHLMC guidelines on conventional, USDA, FHA/VA and CHFA/DAP loans.
  • Advise clients with mortgage needs by providing information regarding traditional and government programs, including USVA, FHA and VA loans.
  • Review HUD-1's to confirm fees and charges with initial GFE and RESPA compliance, order wire and provide funding approval.
  • Maintain a working knowledge of FDCPA and RESPA guidelines.
  • Show more

Mortgage counselor vs mortgage specialist skills

Common mortgage counselor skills
  • Mortgage Loans, 12%
  • Customer Service, 12%
  • Foreclosure, 10%
  • Outbound Calls, 8%
  • FHA, 5%
  • Va, 5%
Common mortgage specialist skills
  • Customer Service, 22%
  • Residential Mortgage Loans, 6%
  • Origination, 6%
  • FHA, 5%
  • Va, 5%
  • Loan Applications, 4%

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