About us:

Befree is a globally trusted provider of accounting and finance offshoring solutions. We blend industry expertise with technology and automation to deliver customised, scalable support for businesses worldwide.

Headquartered in Gandhinagar, with clients across Australia, the UK, the US, we help practices and businesses enhance efficiency, productivity, and continuity through skilled and certified professionals delivering world-class services. Our delivery centres across 10 cities in India serve as the backbone of our global service delivery network.

Role: US Mortgage Operations In this role, you will be responsible for end-to-end processing support for Residential US mortgage loans. You will work closely with brokers, lenders, and third-party vendors to ensure timely, compliant, and accurate loan file processing through all stages of the mortgage lifecycle.

Responsibilities

● Review and verify mortgage loan applications (1003 / URLA) and supporting financial documents (W-2s, tax returns, pay stubs, bank statements, asset documentation).

● Analyze Title Reports, Appraisals, Flood Certifications, Tax Transcripts (4506-C), VOE

(Verification of Employment), and Verification of Mortgage or Verification of Rent.

● Reconcile borrower income, assets, credit histories, and liabilities according to

Fannie Mae, Freddie Mac, FHA, VA, and USDA guidelines.

● Clear underwriting conditions and assist in resolving complex document discrepancies or red flags.

● Ensure strict adherence to US mortgage regulatory compliance standards (TRID,

RESPA, TILA, CFPB, QM/ATR rules).

● Coordinate with settlement agents, title companies, and attorneys to gather closing documents.





● Assist in post-closing reviews, trailing document management, and investor delivery readiness.

● Maintain clear and direct communication with loan officers, processors, and management regarding pipeline status and bottleneck resolution.

Qualifications and Experience

● Qualifications: Bachelor’s degree in finance, Business Administration, Commerce,

or a related field.

● Exposure to NMLS guidelines, or coursework toward MBA-CMB or similar mortgage banking certification.

● Experience: 3 to 5+ years of hands-on experience in US Residential Mortgage

Processing / Support. Prior experience working in a Global Capability Centre (GCC),

BPO, or shared services environment handling US mortgage operations.

● Domain Knowledge: Strong understanding of the end-to-end US mortgage lifecycle (Origination, Processing, Underwriting Support, Closing, Post-Closing).

● Guidelines: Solid knowledge of Conventional (Fannie Mae / Freddie Mac) and

Government (FHA / VA / USDA) loan products.

● Systems Experience: Hands-on experience with up-to-date Loan Origination Systems

(LOS) such as Encompass, Calyx Point, or BytePro.

Key Skills

● Regulations: Familiarity with federal mortgage regulations including TRID, RESPA,

ECOA, and TILA.

● Skills: Ability to independently identify discrepancies across income, asset, and credit documentation under production deadlines; clear written and verbal communication with US-based stakeholders; strong numerical accuracy in reconciling borrower financials.

Interested candidates can drop their CV's to [email protected]

Regards,

Monisha T

Senior HR TA

P - (phone hidden)

E - [email protected]

📌 US Mortgage (Gandhinagar)
🏢 Befree
📍 Gandhinagar