Job Posting ID: RMC-2026-003
Company: Rateplicity Mortgage Corporation / Ontariolend.ca
Job Type: Part-Time | Remote
Pay: $20.00 per hour + $300 per qualifying funded mortgage file
Schedule: Approximately 20 hours per week

About the Position

We are seeking an experienced, detail-oriented Mortgage Loan Processor & Administrative Assistant to support our growing mortgage operations in both the United States and Canada.

Our companies specialize in residential mortgage financing, including foreign national mortgages, Debt Service Coverage Ratio (DSCR) investment loans, and traditional Canadian mortgage financing.

The ideal candidate has previous mortgage processing experience, is highly organized, communicates professionally, and can independently manage multiple mortgage files from application through closing.

This is a remote, part-time position offering flexible hours, performance-based compensation, and the opportunity to grow into a larger role as our businesses expand.

Key Responsibilities

• Review mortgage applications for completeness, accuracy, and required supporting documentation.

• Process DSCR, foreign national, investment property, and other residential mortgage applications.

• Collect and review borrower financial documentation, identification, credit information, and property-related documents.

• Assist with DSCR calculations, rental income analysis, and lender qualification requirements.

• Prepare complete mortgage packages for submission to lenders and underwriting.

• Track underwriting conditions, obtain outstanding documentation, and coordinate files through closing.

• Communicate with borrowers, real estate agents, lenders, title companies, and other third parties.

• Maintain accurate loan records and ensure compliance with applicable mortgage lending requirements.

Skills & Qualifications

• Minimum 3 years of experience in mortgage processing, loan administration, or a closely related mortgage operations role.

• Strong understanding of residential mortgage documentation, underwriting conditions, and the loan approval process.

• Experience working with mortgage loan origination systems (LOS) and customer relationship management (CRM) platforms.

• Excellent organizational skills and the ability to manage multiple files simultaneously.

• Strong written and verbal English communication skills.

• High level of accuracy and attention to detail.

• Ability to work independently in a remote environment with minimal supervision.

• Comfortable communicating directly with borrowers, lenders, and other industry professionals.

• Proficiency with Microsoft Office, PDF documents, email, and online document management systems.

Compensation & Schedule

• Hourly Pay: $20.00 per hour.

• Performance Bonus: $300 per qualifying funded mortgage file, subject to the company’s written bonus policy.

• Initial Schedule: Approximately 4 hours per day, 5 days per week.

• Flexible Working Hours: Some flexibility is available, although client and lender communication must occur during standard business hours.

• Growth Opportunity: Additional hours may become available as mortgage volume increases.

• Work Location: Remote.

What We’re Looking For

We are looking for someone who takes ownership of their work, stays ahead of deadlines, and understands the importance of keeping mortgage files moving efficiently.

The successful candidate will be proactive rather than reactive, comfortable following up with clients and lenders, and capable of maintaining an organized pipeline without constant supervision.

Previous experience in both U.S. and Canadian mortgage processing is an advantage, but not a requirement. We are willing to provide training on specific mortgage products, lender guidelines, and internal systems for a candidate with a strong mortgage processing background.

How to Apply

Interested candidates should email their resume to info@rateplicity.com with the subject line RMC-2026-003 Mortgage Loan Processor Application.

Please include a brief introduction outlining your mortgage processing experience, familiarity with loan origination systems (particularly ARIVE), and experience with DSCR, foreign national, or Canadian mortgage loans.

Only candidates selected for an interview will be contacted.