Processor - Manufactured Home Construction-to-Permanent

Manufactured Home Construction-to-Permanent Loan Processor

Fusion Home Loans is seeking an experienced Manufactured Home Construction-to-Permanent Loan Processor (MH-CP) to join our growing Operations team.

The ideal candidate has recent experience processing manufactured home loans, including Construction-to-Permanent (One-Time Close) transactions. This position requires a strong understanding of manufactured housing guidelines, construction loan documentation, manufactured home title requirements, and the ability to manage multiple loan files while providing exceptional customer service.

Responsibilities

• Process manufactured home loan files from application through closing.
• Manage Construction-to-Permanent (One-Time Close) loan transactions from start to finish.
• Review loan applications and supporting documentation for completeness and accuracy.
• Collect and analyze borrower income, asset, credit, and property documentation.
• Coordinate with borrowers, loan officers, builders, manufactured home dealers, underwriters, title companies, appraisers, inspectors, and other third parties throughout the loan process.
• Order and review appraisals, inspections, title work, flood certifications, and other required documentation.
• Collect and review construction-related documentation, including construction contracts, builder approvals, plans and specifications, cost breakdowns, permits, builder's risk insurance, draw schedules, draw requests, inspection reports, and Certificates of Occupancy.
• Obtain and review manufactured housing documentation, including HUD Certification Labels (HUD Tags), HUD Data Plates, VIN/serial number verification, engineer certifications, permanent foundation certifications, and all other required manufactured housing documentation.
• Coordinate the manufactured home title process, including determining when a home must be converted from personal property to real property and ensuring all required documentation is completed in accordance with state, agency, and investor requirements.
• Work with title companies, builders, dealers, and county recording offices to ensure manufactured homes are properly de-titled and recorded as real property when required.
• Work closely with underwriting to clear conditions and resolve documentation issues.
• Monitor loan pipelines to ensure files remain on schedule and close on time.
• Maintain compliance with investor, agency, federal, state, and company guidelines.
• Provide outstanding customer service while maintaining accuracy and attention to detail.

Qualifications

Required

• Minimum 3 years of mortgage loan processing experience.
• Minimum 2 years of experience processing manufactured home loans.
• Experience processing Construction-to-Permanent (CP) or One-Time Close loans.
• Experience processing single-wide and double-wide manufactured homes.
• Experience processing land/home transactions.
• Experience with FHA, VA, USDA, Conventional (Fannie Mae/Freddie Mac), and portfolio loan programs.
• Experience working directly with builders and manufactured home dealers.
• Strong understanding of manufactured home title requirements, including when a home must be converted from personal property to real property to meet agency and investor guidelines.
• Experience coordinating the de-title process and ensuring manufactured homes are properly recorded as real property.
• Knowledge of state-specific de-title requirements and documentation for manufactured home transactions.
• Knowledge of manufactured housing documentation and compliance requirements.
• Experience using Encompass or another mortgage loan origination system (LOS).
• Strong organizational, communication, and time management skills.
• Ability to manage multiple loan files while meeting deadlines.

Preferred

• Experience with investor overlays for manufactured housing.
• Knowledge of construction draw processes.
• Experience coordinating foundation certifications, engineer inspections, and Certificates of Occupancy.
• Strong problem-solving skills and attention to detail.

What We're Looking For

We're looking for a processor who is highly organized, detail-oriented, and thrives in a fast-paced mortgage environment. The ideal candidate understands the unique requirements of manufactured housing, including construction documentation, permanent foundation requirements, and manufactured home title requirements. They know when a home must be converted from personal property to real property, how to coordinate the de-title process, and how to ensure all documentation is completed to satisfy state, agency, and investor requirements.

If you have experience processing manufactured home Construction-to-Permanent loans and enjoy working in a collaborative, fast-paced environment, we'd love to hear from you!

Fusion Home Loans is an Equal Employment Opportunity/Affirmative Action Employer and maintains a Drug-Free Workplace. Applicants must complete all interviews without the use of AI or automated tools.