Mortgage Collections-Remote ( Temp to Hire)

Loan Counselor 1 (Mortgage Collections)

This is a temporary-to-hire position with the potential to transition into a permanent role. It is a W-2 employment opportunity. The assignment duration is three months (90 days), with the possibility of extension or conversion to a full-time role, contingent upon business requirements.

We are seeking a skilled and detail-oriented professional with 2+ years of collections or call center experience to join our dynamic team. Conversion bonus offered after transition to LoanCare Full Time employee : $1,000.00.

Location : Remote

Duration : Three Months (90 days) Temp to Perm

Start Date : December 1st, 2025

Hours : Must be available Monday Friday 12-9 EST w / Rotating Saturdays (other schedules may be available, your recruiter can discuss options individually)

Pay Rate : This position is a flat rate of $22.00 / Hr.

Fluent Spanish Bilingual Candidates : Differential paid pending completion of bilingual assessment

Remote : We provide the necessary equipment; all you need is a quiet, private place in your home and a high-speed internet connection with a minimum network download speed of 25 megabits per second (MBPS) and a minimum network upload speed of 10 MBPS.

Training : Remote Training Offered 5 Weeks (9am-6pm EST)

Conversion to FTE is based on performance and metrics :

• QA Score each month
• Schedule Adherence
• Average Handle Time

Benefits will become available upon conversion to full-time employment.

Note : Candidates that are offered a position are required to pass pre-employment background screenings.

The Mortgage Servicing Loan Counselor I is responsible for managing delinquent mortgage accounts, engaging borrowers to resolve past-due payments, and ensuring compliance with all applicable policies and regulations. This role requires strong communication and listening skills, attention to detail, and a customer-focused approach to collections.

Responsibilities

Contact borrowers via phone, email, and written correspondence to resolve delinquent mortgage accounts.

Negotiate payment arrangements, repayment plans, and offer loss mitigation options in accordance with company policies and investor guidelines.

Maintain accurate and detailed records of borrower interactions and account status.

Monitor and manage assigned portfolio to meet performance goals and minimize losses.

Collaborate with internal departments such as Customer Service, Loss Mitigation, and Foreclosure to ensure seamless servicing for the customer.

Ensure compliance with federal, state, and investor regulations including FDCPA, TCPA, RESPA, and CFPB guidelines.

Identify and escalate high-risk accounts or potential fraud cases.

Participate in ongoing training and development to stay current with industry changes and best practices.

Ability to work in a fast-paced, structured environment with an emphasis on quality and productivity.

Complete other duties and projects as assigned by your supervisor.

All other duties as assigned.

Qualifications

Required Skills and Qualifications

High School Diploma or equivalent required.

2+ years of experience in the mortgage servicing industry, collections, and / or call center environment.

General knowledge of mortgage loan products, servicing systems, and regulatory requirements.

Strong work ethic including adherence to daily work schedule.

Excellent verbal and written communication skills.

Strong negotiation and problem-solving skills.

Proficiency in Microsoft Office and mortgage servicing platforms (e.g., MSP, Fiserv, etc.).

Ability to work independently and in a team-oriented environment.

Flexible and open to adapting to change as needed.

Must be able to work nights and weekends as necessary.

Desired Skills and Qualifications

Associate's or Bachelor's degree in Business Administration, Finance or related field.

Bilingual (Spanish / English)

Experience with FHA, VA, and Conventional Loan Servicing

Familiarity with skip tracing tools and techniques.

Basic understanding of FDCPA, TCPA, Regulation X, Regulation Z, Regulation V, Regulation E, and SCRA.

Total Rewards

LoanCare's Total Rewards Package offers a comprehensive blend of health and welfare, financial, lifestyle and learning benefits to support employee well-being and engagement. Highlights include :

Build Your Future with LoanCare

At LoanCare, we don't just service mortgage loanswe serve people. As a leading full-service mortgage loan subservicer, we deliver excellence to banks, credit unions, independent mortgage companies, investors, and the homeowners they support. Backed by the strength and stability of Fidelity National Financial (NYSE : FNF), a Fortune 500 company, we offer a career foundation built on integrity, innovation, and collaboration.

Here, you'll find :

About Remote Employment

We provide the necessary equipment; all you need is a quiet, private place in your home and a high-speed internet connection with a minimum network download speed of 25 megabits per second (MBPS) and a minimum network upload speed of 10 MBPS.

ESSENTIAL FUNCTIONS

Basic job duties an employee must be able to perform with, or without, reasonable accommodation.

Critical Thinking Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems.

Reading Comprehension Understanding written sentences and paragraphs in work related documents.

English Language Knowledge of the structure and content of the English language including the meaning and spelling of words, rules of composition, and grammar.

Speaking Talking to others to convey information effectively.

Active Learning Understanding the implications of new information for both current and future problem-solving and decision-making.

Active Listening Giving full attention to what other people is saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times.

Instructing Teaching others how to do something.

Judgment and Decision Making Considering the relative costs and benefits of potential actions to choose the most appropriate one.

Time Management Managing one's own time and the time of others.

Writing Communicating effectively in writing as appropriate for the needs of the audience.

Complex Problem Solving Identifying complex problems and reviewing related information to develop and evaluate options and implement solutions.

Deductive Reasoning The ability to apply general rules to specific problems to produce answers that make sense.

Problem Sensitivity The ability to tell when something is wrong or is likely to go wrong. It does not involve solving the problem, only recognizing there is a problem.

Written Comprehension The ability to read and