Loan Counselor/Late Stage Collections

*Medical, Dental, Vision, Life, 401K match, PTO, Sick Time, 10 Paid Holidays, Remote work opportunities* **What you'll do at Cascade:** **Serve the American Dream Through Attainable Home Ownership.** **Top hourly pay! Starting at $22/Hour+ and up to $1000/month in bonus!** **Full desktop equipment provided!** **Industry leading company with great culture and A+ BBB Ranking!** \*Remote, Chandler, AZ\* \*Remote, Rapid City, SD\* \*Remote, Knoxville, TN\* **Summary:** The Loan Counselor is responsible for managing mobile home mortgage accounts from early-stage delinquency through resolution (“cradle to grave”). This role focuses on borrower outreach, payment collection, counseling, and loss mitigation when repayment is not immediately achievable. The Loan Counselor works GSE, FHA, VA, Freddie Mac, and Conventional loans and ensures compliance with all federal, state, investor, and company guidelines. **Key Responsibilities** - Manage a portfolio of mobile home mortgage loans across all stages of delinquency - Perform outbound and inbound borrower contact to resolve delinquent accounts - Analyze borrower financial situations and provide counseling on available options - Negotiate repayment plans and resolve delinquencies through full reinstatement - Evaluate eligibility for loss mitigation options, including forbearance, repayment plans, and loan modifications - Initiate and track loss mitigation workflows in compliance with investor guidelines - Maintain accurate and detailed servicing notes in the loan servicing system - Ensure compliance with FDCPA, CFPB, RESPA, and investor requirements - Collaborate with internal departments such as Loss Mitigation, Customer Service, Bankruptcy, and Foreclosure as needed - Meet or exceed individual and team performance metrics **Qualifications** - - High school diploma or equivalent required; college coursework preferred - 1–3 years of mortgage collections or servicing experience, including mobile homes preferred - Working knowledge of GSE, FHA, VA, and Conventional loan programs - Strong negotiation, communication, and customer service skills - Ability to handle sensitive financial conversations with empathy and professionalism - Proficient with mortgage servicing systems and Microsoft Office **About Cascade & Our Culture:** Since opening our doors in 1999, Cascade Financial Services has grown to become one of the most trusted lenders in Attainable Housing. Our goal is to help thousands of families realize the dream of home ownership by offering mortgage loan solutions customized to the manufactured housing marketplace leveraging state-of-the-art business automation coupled with the most skilled professionals in the industry. The Cascade culture lives in our team members!!! We are focused and dedicated to developing and providing a platform for growth. We are proud of the team that we've built and are looking for great people who will embrace our values and contribute to them: **T.I.E.S**. **Teamwork, Integrity, Excellence, and Service.** We believe in work/life balance and a positive/family-like work environment. Together, we will continue to lead the way and make a difference. Join our team and assist us to **Serve the American Dream Through Attainable Home Ownership.**