JobotNewRemote Mortgage Underwriter (DE and LAPP/SAR Required) JobotRemote Mortgage Underwriter (DE and LAPP/SAR Required)Berkeley Lake, GARemote$95,000–$110,000 / yearInformation collected and processed as part of your Jobot candidate profile, and any job applications, resumes, or other information you choose to submit is subject to Jobot's Privacy Policy, as well as the Jobot California Worker Privacy Notice and Jobot Notice Regarding Automated Employment Decision Tools which are available at jobot.com/legal. Your underwriting decisions will directly influence customers’ ability to secure financing for their new homes, making attention to detail, sound judgment, and collaboration essential to success.
Primis Mortgage CompanyMortgage Processor Primis Mortgage CompanyMortgage ProcessorAtlanta, GAPart timeThe Mortgage Processor will act as the liaison between potential clients and our growing financial institution by researching credit records, determining client needs and recommending the best loan products for the loan package. Follow all bank and regulatory compliance related policies and procedures; including Bank Secrecy Act/Anti-Money Laundering, reporting suspicious activity to the BSA Officer and additional BSA job functions as required by job.
Avery PartnersResidential Mortgage Loan Processor Avery PartnersResidential Mortgage Loan ProcessorAtlanta, GeorgiaThe ideal candidate will have a minimum of 3 years' experience in residential mortgage loan processing (i.e. purchases, refi, etc.), mortgage lending guidelines (FHA, VA, and Conventional Loans), loan origination systems, and the Microsoft Office Suite. This role will process mortgage loan applications, gather and verify necessary financial documentation, evaluate loan applications, assist with file submission, and work as a liaison between the customer and loan officer.
Mutual of Omaha MortgageMortgage Loan Processor - Reverse Mutual of Omaha MortgageMortgage Loan Processor - ReverseAtlanta, GARemoteFull timeMutual of Omaha Mortgage is a full-service lending company offering both Forward and Reverse Mortgage products including a complete line of residential mortgage, refinancing, specialty, and HECM loans. If you are interested in joining a team that promotes from within and works together toward a common goal of helping customers with their mortgage needs, please review and apply for our opening below!
Truist Financial CorpMortgage Underwriter II Truist Financial CorpMortgage Underwriter IIAtlanta, GAPerform detailed underwriting analysis of all Truist Financial mortgage loan products including calculating all income type, calculating complex financial analysis, analyzing title reports and lien information, reviewing all financial statements, and reviewing all additional documentation prior to approval. General Description of Available Benefits for Eligible Employees of Truist Financial Corporation: All regular teammates (not temporary or contingent workers) working 20 hours or more per week are eligible for benefits, though eligibility for specific benefits may be determined by the division of Truist offering the position.
Truist Financial CorpMortgage Underwriter I Truist Financial CorpMortgage Underwriter IAtlanta, GAPerform detailed underwriting analysis of all Truist Financial mortgage loan products including calculating all income type, calculating complex financial analysis, analyzing title reports and lien information, reviewing all financial statements, and reviewing all additional documentation prior to approval. General Description of Available Benefits for Eligible Employees of Truist Financial Corporation: All regular teammates (not temporary or contingent workers) working 20 hours or more per week are eligible for benefits, though eligibility for specific benefits may be determined by the division of Truist offering the position.
CoastalSouth Bancshares IncNewMORTGAGE LOAN OFFICER CoastalSouth Bancshares IncMORTGAGE LOAN OFFICERAtlanta, GARemoteThe MLO conducts interviews with prospective borrowers in order to analyze financial and credit data, determine customer financing objectives, advise borrowers of product, pricing and loan program guidelines, and gather any additional required information. Pursuant to the SAFE Act requirements, all applicants for employment who will be engaged in residential loan mortgage originations (as defined by the SAFE Act) must register with the federal registry system and maintain a status in good standing under the SAFE Act requirements.
AmeriSave Mortgage CorpLicensed Mortgage Loan Officer - REMOTE AmeriSave Mortgage CorpLicensed Mortgage Loan Officer - REMOTEGARemote$10–$15 / hourAmeriSave offers top-tier tech, aggressive commissions, and the ability to delight your clients with our streamlined processes and speedy turn times. Why AmeriSave: As one of the top-rated lenders in the nation, our mission is to deliver beneficial, responsible home and personal lending solutions with unwavering integrity, dedication and excellence.
Southern Mortgage SolutionsLicensed Mortgage Loan Originator Fully Remote Southern Mortgage SolutionsLicensed Mortgage Loan Originator Fully RemoteAlpharetta, GARemoteYou and your referral partners will have the cell phone number of a licensed LOA to take in loan applications and pre-approval documents, and an in-house processor for your files when they are in contract. Relationship Building: Foster positive relationships with clients and referral sources to generate new business and maintain existing relationships.
AmeriSave Mortgage CorpMortgage Post Closing Support - Collateral Team AmeriSave Mortgage CorpMortgage Post Closing Support - Collateral TeamAtlanta, GA$39,000–$52,000 / yearResponsible for monitoring wet lists for all warehouse banks (these are loans that the warehouse bank has advanced funds for the purpose of purchasing or refinancing a home and Amerisave has not received the closing docs). As one of the top-rated, largest privately-owned online mortgage lenders in the nation, our mission is to deliver beneficial, responsible home lending solutions with unwavering integrity, dedication and excellence.
Capital City Bank Group IncMortgage Consultant, Capital City Home Loans, Duluth (Sugarloaf Office) Capital City Bank Group IncMortgage Consultant, Capital City Home Loans, Duluth (Sugarloaf Office)Duluth, GAA Mortgage Consultants network may consist of Real Estate professionals, Builders, professional and personal contacts, as well as other valuable referral sources, and is enhanced by the Mortgage Consultants regular participation in business related development opportunities, community efforts to promote homeownership and professional organizations. Markets and promotes Capital City Home Loans financial products to their business community including builders/developers, real estate brokers, financial institutions, friends, and family.
Capital City Bank Group IncMortgage Consultant, Capital City Home Loans, Atlanta Region Capital City Bank Group IncMortgage Consultant, Capital City Home Loans, Atlanta Regionmarietta, GAA Mortgage Consultant's network may consist of Real Estate professionals, Builders, professional and personal contacts, as well as other valuable referral sources, and is enhanced by the Mortgage Consultant's regular participation in business related development opportunities, community efforts to promote homeownership and professional organizations. Markets and promotes Capital City Home Loans financial products to their business community including builders/developers, real estate brokers, financial institutions, friends, and family.
Jacobs & CO MortgageMortgage Officer Jacobs & CO MortgageMortgage OfficerAtlanta, GAThe ideal candidate will be responsible for assisting clients in securing mortgage loans, evaluating financial information, and providing exceptional customer service throughout the loan process. Our team-oriented atmosphere fosters a culture of excellence, focused on delivering exceptional customer experiences.
Jacobs & CO MortgageSenior Mortgage Servicing Specialist Jacobs & CO MortgageSenior Mortgage Servicing SpecialistAtlanta, GAThe ideal candidate will be responsible for managing and overseeing the mortgage servicing process, ensuring compliance with all regulatory requirements, and providing exceptional customer service to our clients. Our team-oriented atmosphere fosters a culture of excellence, focused on delivering exceptional customer experiences.
Jacobs & CO MortgageMortgage Loan Originator Jacobs & CO MortgageMortgage Loan OriginatorAtlanta, GAThe ideal candidate will be responsible for assisting clients in securing mortgage loans, providing exceptional customer service, and ensuring compliance with all regulatory requirements. Our team-oriented atmosphere fosters a culture of excellence, focused on delivering exceptional customer experiences.
MiLEND, Inc.Mortgage Loan Originator MiLEND, Inc.Mortgage Loan OriginatorAlpharetta, GA$100,000–$250,000Here at MiLEND, we are known for empowering Loan Originators to reach their full potential through exceptional training, advanced technology, and a culture built on teamwork and success. MiLEND, Inc., a leading provider of mortgage solutions, is seeking a dedicated, enthusiastic, and experienced Mortgage Loan Originator to join our dynamic team.
FIRST COMMUNITY BANK (SC)Mortgage Loan Officer FIRST COMMUNITY BANK (SC)Mortgage Loan OfficerAtlanta, GAEfforts include but are not limited to realtor open house luncheons, meeting with customers after hours, and calling and/or meeting potential customers during evening hours and on weekends per realtor request. Promote business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services using Bank-endorsed techniques and processes.
MODERN HOME MORTGAGE LLCMortgage Loan Officer - GA Licensed MODERN HOME MORTGAGE LLCMortgage Loan Officer - GA LicensedRoswell, GAWe offer a variety of Loan Programs- FHA, VA, USDA, CONV, DSCR, BANK STATEMENT, P&L – and lender to make sure you have a variety options to meet your clients’ needs. The ideal candidate has excellent communication and customer service skills and a deep understanding of current lending practices and regulations.
Bisnow LLCCommercial Mortgage Broker Bisnow LLCCommercial Mortgage BrokerAtlanta, GARemote$120,000–$300,000 / yearWith a steady pipeline of company-generated opportunities, the opportunity to work your own leads, a strong digital and social media presence driving inbound activity, and an AI-powered lender matching system connecting you to thousands of capital sources, youll be positioned to execute efficiently and deliver highly competitive financing solutions. Our esteemed SelectLeaders client is a fast-growing, tech-enabled capital advisory platform seeking experienced Commercial Mortgage Brokers to join its nationwide, fully remote team.
Team Nexa Insurance SolutionsLife Insurance Agent - Final Expense • Term • IUL • Mortgage Protection • Juvenile Policies Team Nexa Insurance SolutionsLife Insurance Agent - Final Expense • Term • IUL • Mortgage Protection • Juvenile PoliciesAtlanta, GARemoteTeam Nexa Insurance Solutions is rapidly expanding nationwide, and we’re hosting a LIVE hiring webinar to show candidates exactly how our agents earn consistent income using our lead system, carrier portfolio, and step-by-step training platform. Our agents represent some of the strongest companies in the industry: American Amicable • CICA Life • Royal Neighbors • Gerber • GTL • Mutual of Omaha • Transamerica • Occidental • Pioneer.
KnockNewMortgage Account Executive - Remote KnockMortgage Account Executive - RemoteAtlanta, GARemote$55,000–$60,000 / yearHost regular meetings and training sessions with loan officers, team leads, branch managers, brokers, and agents to share updates, review performance, and optimize use of Knock's offerings. Backed by top investors like Foundry Group, Trinity Capital, and the National Association of Realtors, we've built a reputation for innovation and trust, earning 900+ five-star Zillow and Trustpilot reviews and an A+ BBB rating.
KnockNewMortgage Loan Servicing Specialist - Remote KnockMortgage Loan Servicing Specialist - RemoteAtlanta, GARemote$57,000–$70,000 / yearAs a Loan Servicing Specialist you will be responsible for performing all servicing-related functions for bridge and post-funding file management, including, but not limited to: Manage a high-volume loan portfolio, serving as the primary point of contact for all servicing communication with borrowers from funding through payoff, providing the highest level of customer service, confidentiality and integrity. Monitor loans approaching due dates weekly, escalate delinquency risks to management with supporting data,recommended resolution strategies, and work cross-functionally with Listing Operations and Finance to drive resolution.
Lendsure Mortgage CorpAccount Manager- Mortgage Industry (Kennesaw, GA) Lendsure Mortgage CorpAccount Manager- Mortgage Industry (Kennesaw, GA)Kennesaw, GAThe Account Manager will be responsible for accurately managing residential real estate loan documentation through our established systems, reviewing it to ensure it is completed in full, and complies with current processes and policies. At LendSure Mortgage Corp., we have created an environment where high-energy professionals can learn, excel, grow, and feel great about their contributions to our success.
Citizen MTG LLCMortgage Loan Officer Recruiter (Agency – Retail Production) Citizen MTG LLCMortgage Loan Officer Recruiter (Agency – Retail Production)Roswell, GAWe are seeking a highly driven Mortgage Loan Officer Recruiter to join our Citizen-MTG team, specializing in the placement of Loan Officers (LOs), Branch Managers, and Division/Regional Leaders within retail mortgage platforms, including Independent Mortgage Banks (IMBs) and depository institutions. This role is focused on full-cycle recruiting, partnering with mortgage lenders to build high-performing production teams while actively sourcing and closing top origination talent.
United Community BankMortgage Loan Originator United Community BankMortgage Loan OriginatorLawrenceville, GeorgiaRemoteIn this role, you’ll build lasting relationships with realtors, builders, and developers while guiding clients through the mortgage process with expertise and care. Overview: United Community is an experienced, driven, and customer-focused Mortgage Loan Officer (MLO) to join our team.
Finastra (Misys International Banking Systems Limited)NewMortgage Product Manager Finastra (Misys International Banking Systems Limited)Mortgage Product ManagerAtlanta, GAReporting to the Senior Director of Product Management, the Product Manager will manage life cycles of assigned products or services to optimize profit and meet client expectations, marketing, financial, and corporate growth objectives. Responsibilities & Deliverables: Your deliverables as a Product Manager will include, but are not limited to, the following: Gain a deep understanding of the customer experience, identify and fill product gaps, generate new ideas that grow marketshare, and drive growth.
United Community BankMortgage Loan Closer III United Community BankMortgage Loan Closer IIIAlpharetta, GeorgiaRemote$26.45–$30.14 / hourOverview: The Mortgage Closer III has extensive experience managing the closing process (initial closing disclosure, COC’s, preparing documents, and funding loans) of various loan types, ensuring accurate documentation, effective communication with all parties (internal and external), as well as compliance with all relevant guidelines. Understanding of hybrid e-close, large & complex credit requests may include multiple funding sources, multiple contracts, complicated equity requirements, curtailments, various rate options, tiered pricing, and purchase contract or takeout agreement.
United Community BankMortgage CRA Loan Originator United Community BankMortgage CRA Loan OriginatorLawrenceville, GeorgiaRemoteUnited Community is seeking a CRA Mortgage Loan Originator whose sole focus will be promoting mortgage lending to Low to Moderate Income (LMI) borrowers and geographies within our bank’s assessment areas. Collaborate with senior leadership and the CRA Development Officer to advance community-focused lending strategies.
Mutual of Omaha MortgageMortgage Branch Manager Mutual of Omaha MortgageMortgage Branch ManagerAtlanta, GAFull timeBranch Managers work strategically with their sales team in collaboration with operations staff; overseeing their branches responsibilities for active production and pipeline management. At Mutual of Omaha Mortgage, Branch Managers oversee and serve many duties including: sales, recruiting, administration, staff supervision and client networking.
Mutual of Omaha MortgageReverse Mortgage Inside Sales Loan Officer Mutual of Omaha MortgageReverse Mortgage Inside Sales Loan OfficerAtlanta, GARemoteFull timeAt Mutual of Omaha Reverse Mortgage, Loan Officers are trained to listen and build rapport, in addition to understanding and analyzing the full financial situations of our customers. The Home Equity Conversion Mortgage (HECM) was designed to utilize the equity in the home as a means to assist a peaceful and secure transition to one’s retirement years.
NewRez LLCJr Mortgage Consultant NewRez LLCJr Mortgage ConsultantAtlanta, GAOur Corporate Social Responsibility program, Newrez NOW, empowers employees to become leaders in their communities through a robust program that includes volunteering, philanthropy, nonprofit grants, and more. Employee Matching Gifts Program: We will match monetary employee donations to eligible non-profit organizations, dollar-for-dollar, up to $1,000 per employee.
National Mortgage Field ServicesField Inspector – Real Estate / Mortgage Services (Contract) - Atlanta, GA / Fulton County National Mortgage Field ServicesField Inspector – Real Estate / Mortgage Services (Contract) - Atlanta, GA / Fulton CountyAtlanta, GA$6–$10 / hourThis is drive-based field work involving exterior and interior inspections for mortgage companies and property managers. This work is best suited for individuals who: Are already driving for work (delivery, real estate, field services).
Paramount Residential Mortgage GroupNewResidential Mortgage Lead Gen Specialist Paramount Residential Mortgage GroupResidential Mortgage Lead Gen SpecialistAtlanta, GAParamount Residential Mortgage Group Inc. (PRMG Inc.) in Atlanta is seeking an Outside Business Development Specialist to foster relationships and generate residential mortgage leads. This role focuses on outreach and support for prospective consumers needing mortgage financing, with a strong emphasis on compliance as it involves non-licensed activities.
Guidance ResidentialMortgage Account Executive (Urdu/English Bilingual) - Atlanta, GA Guidance ResidentialMortgage Account Executive (Urdu/English Bilingual) - Atlanta, GAAtlanta, GA$65,000–$90,000 / yearWe are seeking a driven Mortgage Account Executive to join our field sales team providing front-line customer service helping families navigate the home financing process. If you’re ready to go the extra mile to serve your community and deliver outstanding service through a high-earning career with meaningful work, Guidance Residential wants you!
Truist Financial CorpRetail Mortgage Loan Originator Truist Financial CorpRetail Mortgage Loan OriginatorWoodstock, GAPlease review the following job description: Responsible for the sales and marketing of Truist Mortgage Loan products within bank policies and procedures as well as consistent, effective referrals of mortgage clients for other bank services, including the qualifying package of services, and insurance products. All regular teammates (not temporary or contingent workers) working 20 hours or more per week are eligible for benefits, though eligibility for specific benefits may be determined by the division of Truist offering the position.
United Community Banks IncMortgage Loan Originator United Community Banks IncMortgage Loan OriginatorLawrenceville, GARemoteInput information from application and verifying documentation into Mortgageware Maintain high levels of customer service while managing each applicant's expectations Requirements For Success Minimum two (2) years of residential mortgage loan origination Familiar with FHA, VA, and USDA guidelines Proficient in sales and service skills; including tele-consulting, prospecting, and networking. Maintain knowledge of available loan products, processing procedures, and underwriting and general department guideline Interviews potential customers and answers questions about various types of mortgage loans.
EquifaxNewMortgage Solutions Account Executive - Growth & Strategy EquifaxMortgage Solutions Account Executive - Growth & StrategyAtlanta, GA$80,020–$120,000 / yearThis client-facing sales role is responsible for driving revenue growth and managing customer relationships within the Equifax Mortgage solutions portfolio. The ideal candidate has 4-7 years of experience in B2B sales, exceptional communication skills, and the ability to build strong relationships with clients.
Edwards Lifesciences BelgiumNewMortgage Client Experience Specialist I Edwards Lifesciences BelgiumMortgage Client Experience Specialist IAtlanta, GA$20–$24 / hourThis role involves acting as the primary contact for consumers during the loan origination process, managing inbound calls, and ensuring customer satisfaction. A leading consulting firm is seeking a Customer Experience Specialist I to operate in a call center supporting consumer direct lending.
GIA Legacy Planning🏠 Mortgage Protection Life Insurance Agent GIA Legacy Planning🏠 Mortgage Protection Life Insurance AgentAtlanta, GeorgiaRemoteWe believe in more than just selling insurance; we believe in protecting dreams, preserving homes, and providing peace of mind when it matters most. This role offers more than just a paycheck; it’s a mission to help families remain in their homes during life’s unexpected moments.
LeadlingMortgage Loan Officer | National Lender - GA LeadlingMortgage Loan Officer | National Lender - GAAtlanta, GARemote$75,000–$200,000Leadling is actively searching for seeking experienced Mortgage Loan Officers ready to increase earnings, scale nationally, and gain full control of their business with a National Mortgage Lender. Most Loan Officers never see the true value of the loans they close.
United Community Banks IncMortgage Loan Closer III United Community Banks IncMortgage Loan Closer IIIAlpharetta, GARemote$28.03–$31 / hourThe Mortgage Closer III has extensive experience managing the closing process (initial closing disclosure, COC's, preparing documents, and funding loans) of various loan types, ensuring accurate documentation, effective communication with all parties (internal and external), as well as compliance with all relevant guidelines. Understanding of hybrid e-close, large & complex credit requests may include multiple funding sources, multiple contracts, complicated equity requirements, curtailments, various rate options, tiered pricing, and purchase contract or takeout agreement.
United Community Banks IncMortgage CRA Loan Originator United Community Banks IncMortgage CRA Loan OriginatorLawrenceville, GARemoteUnited Community is seeking a CRA Mortgage Loan Originator whose sole focus will be promoting mortgage lending to Low to Moderate Income (LMI) borrowers and geographies within our bank's assessment areas. Collaborate with senior leadership and the CRA Development Officer to advance community-focused lending strategies.
Lendsure Mortgage CorpMortgage Credit Analyst ( Kennesaw GA) Lendsure Mortgage CorpMortgage Credit Analyst ( Kennesaw GA)Kennesaw, GA$55,000–$68,000 / yearRendering credit decisions on incoming applicants that are consistent with internal policies, underwriting mortgage commitments, and verifying supporting documentation as submitted by a mortgage broker. Completing within internal processes and policies, as well as reviewing and verifying supporting documentation as submitted by Mortgage Brokers.
Lendsure Mortgage CorpMortgage Loan Representative (Kennesaw, GA) Lendsure Mortgage CorpMortgage Loan Representative (Kennesaw, GA)Kennesaw, GA$45,000–$55,000 / yearLendSure has achieved notable success through the implementation of innovative practices and the cultivation of a service-oriented corporate culture that equips employees with the essential resources and assistance required to excel. LendSure is extremely dedicated to the recruitment, development, and retention of exceptional personnel across the United States for our Mortgage Banking Management Trainees.
Citizens Trust BankMortgage Loan Officer Citizens Trust BankMortgage Loan Officeratlanta, GAOur Bank continues to champion its commitment to providing viable business and consumer money management solutions and personalized service to meet the growing needs of its customers. Mortgage Loan Officer - Atlanta, GABuilding relationships since 1921, Citizens Trust Bank is an institution built on a rich history of financial empowerment.
Regions Financial CorpMortgage Loan Officer - Georgia Regions Financial CorpMortgage Loan Officer - GeorgiaAtlanta, GACompletes mortgage applications for submission to the loan processing and underwriting departments • Evaluates loan requests, analyze financial data, and determines qualification of collateral and customer credit history • Maintains contact with loan customer, communicating progress of loan and obtaining any required documentation • Structures loan to comply with acceptable lending practices and Federal regulations • Establishes detailed marketing/business plan including names of potential and existing loan customers, realtors, builders, developers, etc and frequency of contact • Answers customer calls and walk- in customers to discuss various loan products and qualification information • Makes sales calls on potential or existing customers as established in Regions marketing plan to develop new business or retain existing business • Cross-sells other bank products and services • Reads surveys and appraisals, and takes necessary steps to correct encroachments and violations • May participate in networking through professional, business and community organizations and activities to promote and market loan products. • Knowledgeable on agency and investor regulations and guidelines • Must be able to build and maintain internal and external relationships to deliver high levels of service • Must be able to multi-task competing priorities and meet tight deadlines • Proficient in Microsoft Office products • Sales acumen • Strong written and verbal communication skills • Positions may be available in other cities within Georgia.
Pinnacle Financial CorpMortgage Originator - Northeast, Georgia Pinnacle Financial CorpMortgage Originator - Northeast, GeorgiaNortheast, GAMust be able to function efficiently on a general business level of math, possess general accounting knowledge (i.e. debits, credits, and an understanding of the banks account reconciliations). Employer: Pinnacle Bank Department: Mortgage Job Title: Mortgage Loan Originator Exemption Status: Exempt Commissions: Yes Supervised by: SVP of Mortgage Lending.
Zillow IncRemote Mortgage Loan Officer (Georgia) Zillow IncRemote Mortgage Loan Officer (Georgia)GARemoteThese include the duties and responsibilities listed above, as well as the abilities to adhere to company policies, exercise sound judgment, effectively manage stress and work safely and respectfully with others, exhibit trustworthiness and professionalism, and safeguard business operations and the Company's reputation. Zillow was named one of FORTUNE 100 Best Companies to Work For® in 2025, and included on the PEOPLE Companies That Care® 2025 list, reflecting our commitment to creating an innovative, inclusive, and engaging culture where employees are empowered to grow.
Satori MortgageHybrid Real Estate and Mortgage Consultant Satori MortgageHybrid Real Estate and Mortgage ConsultantEast Point, GARemoteComprehensive Training and Support: We provide robust training programs to equip you with the essential knowledge and skills required to excel as a Mortgage Advisor alongside your Real Estate practice. Cutting-edge Technology and Resources: Utilize advanced tools and resources that streamline your workflow, enabling you to provide seamless service to your clients in both realms.
ELITE SYNERGY MORTGAGEBilingual (Spanish/English) Mortgage Loan Originator ELITE SYNERGY MORTGAGEBilingual (Spanish/English) Mortgage Loan OriginatorGainesville, GAYour responsibilities will include interviewing mortgage borrower applicants to gather financial information, evaluating creditworthiness, and helping borrowers obtain a home loan. The ideal candidate has excellent communication and customer service skills and a deep understanding of current mortgage lending practices and regulations.