Family Services - Mortage Compliance Manager

Outreach and Marketing

• Develop and maintain various recruitment processes so an adequate number of homeowner applicants will be prepared to purchase a Habitat home each year.
• Coordinate and implement small group and public speaking orientations to educate homeowner candidates about HFHHI family selection and support policies and procedures.
• Research and coordinate planning to address needs in diverse communities across the island.

Homeowner Selection

Work with homeowner applicants to determine appropriate financing tool for their circumstances (e.g. Habitat – held mortgage, Department of Hawaiian Homelands, USDA 502 Loan, etc.)

Manage the homeowner selection process according to Fair Housing and other fair lending and housing laws, including:

• Making applications available to potential applicants
• Assessing the application
• Notifying applicants of the status of their application
• Informing applicants of ways to strengthen their chances of being accepted into the homeownership program in future, if not eligible immediately
• Assist with loan packaging, as appropriate to financing mechanism
• Monitor progress of approved applicants to ensure they fulfill the conditions of the Partnership Agreement/approval notification
• Monthly communication with approved applicants
• Collecting updated information
• Performing credit and background checks for each applicant
• Work with Family Services Committee on application review and home visits in accordance with HFHHI guidelines
• Maintain homeowner files in both hard and electronic copy

Prepare for consummation of home purchase in accordance with RESPA/TRID guidelines:

• Determine purchase price and affordability for each homeowner
• Prepare Loan Estimate, schedule closing and prepare Closing Disclosure
• Prepare homebuyer for closing: Loan Estimate, acquiring homeowner insurance, etc.
• Work with Finance Department or Mortgage Servicing Company to set up and manage escrow accounts for each homeowner and ensure that homeowner’s insurance and property taxes are paid at appropriate times.
• Recalculate escrow accounts for each homeowner annually and notify homeowners of any changes in payment amount
• Manage mortgage delinquencies by sending out appropriate letters and conducting home visits with homeowners to ensure their continued payment. Mortgage delinquency rate should be below 18%

Family Services and Nurturing:

• Implement Family Services Policy and ensure current practices are consistent with policies.
• Investigate new opportunities for HFHHI to connect with current homeowners (i.e newsletters, meetings/potlucks)
• Connect homebuyers and homeowners to HFHHI -sponsored activities: dedications, volunteer/sponsor group gatherings, publicity and media events
• Provide staff support to Family Services Committee, including scheduling, coordinating and attending committee meetings.
• Ensure family selection and family support activities are assigned to members of the Family Services Committee, and that these activities are monitored and reported on monthly
• Liaise with construction department regarding site meetings, ordering of materials (appliances, flooring, cabinets, where appropriate)
• Identify other social services agencies as community partners, and make referrals as appropriate
• Develop/deliver a curriculum for Homeowner Education classes. Ensure that the curriculum covers both pre- and post-ownership phases

Dimensions: The incumbent will be able to:

• Communicate effectively with people of all levels
• Develop and maintain relationships with families, volunteers, vendors, and professional service providers
• Perform with little supervision
• Execute organizational skills relating to routine duties
• Utilize volunteers for administrative tasks, as appropriate
• Interface with all management staff to identify support needs of the organization