Mortgage Product Specialist

Job Description

Job Description

Mortgage Product Specialist

About the Role

Van Patten Mortgage Group is looking for an experienced, motivated Mortgage Product Specialist who knows how to structure loans, communicate confidently with borrowers and referral partners, and turn opportunities into closed loans.

This is not a traditional mortgage sales position where you are expected to spend your day cold calling, chasing Realtors, or hunting for your next deal.

Our model separates business development from loan conversion.

Our Agent Engagement Representatives are responsible for developing and maintaining Realtor relationships, generating opportunities, and keeping our referral network engaged. Once an opportunity is created, the Mortgage Product Specialist takes over the mortgage side of the conversation.

Your job is simple:

Structure the deal. Pitch the solution. Close the loan.

We want our Mortgage Product Specialists spending their time doing what experienced mortgage professionals do best — solving financing problems, creating strong loan strategies, communicating value, and converting opportunities into applications and funded loans.

What You'll Do

• Work with opportunities generated through our Agent Engagement team and referral network.
• Speak with prospective borrowers and identify their financing goals.
• Review income, assets, credit, property type, occupancy, and other qualifying information.
• Structure loans and identify the best available financing strategy for each borrower.
• Present loan options clearly and confidently.
• Explain the advantages of the recommended loan structure and earn the borrower's business.
• Convert opportunities into completed mortgage applications.
• Maintain consistent follow-up with borrowers who are not immediately ready to move forward.
• Communicate with Realtors and referral partners regarding financing strategies and transaction status.
• Work closely with our processing and operations teams to ensure loans move efficiently from application through closing.
• Identify potential obstacles early and develop solutions before they become problems.
• Maintain accurate notes and follow-up activities in the company's CRM and loan systems.
• Deliver a high level of communication and service throughout the transaction.

What You Won't Be Expected to Do

We believe talented mortgage professionals should spend their time closing mortgage business — not searching endlessly for someone to talk to.

The Mortgage Product Specialist is not primarily responsible for prospecting for new Realtor relationships or generating their own pipeline from scratch.

Our Agent Engagement Representatives maintain responsibility for relationship development, prospecting, and opportunity generation.

They create and nurture the relationships.

You take the opportunity, structure it, pitch it, and close it.

That division of responsibilities allows our Mortgage Product Specialists to concentrate on product knowledge, loan structuring, borrower communication, conversion, and closing more loans.

What We're Looking For

The ideal candidate is someone who:

• Has mortgage origination, account management, loan officer, or similar lending experience with an Active NMLS License.
• Understands how to analyze and structure residential mortgage transactions.
• Is comfortable discussing conventional, FHA, VA, jumbo, and other available loan programs.
• Can quickly recognize potential qualification issues and develop alternative solutions.
• Is confident speaking with borrowers and Realtors.
• Can explain complicated financing concepts in simple terms.
• Understands that presenting a loan is about more than quoting a rate — it is about demonstrating the value of the overall financing strategy.
• Has strong sales and closing skills.
• Is organized and disciplined with follow-up.
• Works well in a team environment.
• Wants to spend more time working and closing actual opportunities and less time prospecting for them.

Why This Role Is Different

Traditional mortgage companies often expect one person to do everything:

Find the Realtor.
Build the relationship.
Prospect continuously.
Find the borrower.
Structure the loan.
Sell the loan.
Manage the transaction.

We've built a different model.

Agent Engagement Representative → Develops and maintains referral relationships and generates opportunities

Mortgage Product Specialist → Structures, presents, and closes the mortgage opportunity

Processing/Operations → Helps move the transaction through closing

Instead of asking one person to be a prospector, marketer, mortgage expert, closer, and processor all at once, we allow each team member to focus on the part of the process where they create the most value.

If You Love Mortgage Lending but Hate Prospecting...

This may be exactly what you've been looking for.

If you know how to structure loans, communicate with borrowers, sell the value of your recommendation, and close business — we want to talk to you.

Van Patten Mortgage Group
NMLS #1992266