Assumptions Processor

About the Company

Valon is transforming both mortgage servicing and consumer direct lending with a technology-first approach. Backed by Andreessen Horowitz (a16z) and managing over $130 billion in loans, we’ve built our platforms from the ground up—not on outdated legacy systems—so homeowners, lenders, and investors experience greater transparency, efficiency, and care. By unifying processes into a modern, AI-native operating system, we’re leading the way in automation, compliance, and continuous improvement across our servicing and lending businesses.

Our mission is to empower every homeowner by making the mortgage experience simple, secure, and financially empowering. To achieve this, we bring together world-class engineers, servicing experts, lending professionals, and operations leaders who share a passion for improving the homeowner journey. We’re not only reshaping what servicing and lending look like today—we’re creating opportunities for talented people to help drive the future of the industry.

As we continue to grow, Valon is expanding its footprint across multiple states, opening the door to exciting new roles and career paths. Joining Valon means becoming part of a fast-scaling company where innovation, collaboration, and customer impact go hand in hand. Mortgage is just the beginning—we’re building the future of regulated finance, and we want you to be part of it.

Special Loans at Valon

Valon’s Special Loans Team is responsible for managing core business processes for MERS updates and reconciliation, SCRA-protected loans, recasts, assumptions, successor in interest, and partial release requests. We are a team of creative individuals who approach servicing challenges with an innovative mindset. Our goal is to help homeowners resolve special servicing needs while providing a first-class experience with Valon, all from behind the scenes.

About the Role

We’re looking for a detail-oriented, deadline-driven Assumptions Processor to join our growing servicing team. In this role, you’ll manage the end-to-end processing of mortgage assumption requests, ensuring compliance with agency guidelines and delivering an exceptional borrower experience.

This position requires a strong working knowledge of Fannie Mae, Freddie Mac, and Ginnie Mae assumption guidelines, excellent stakeholder communication skills, and the ability to manage complex loan scenarios with minimal oversight.

Responsibilities

• Process mortgage assumption requests from initiation through completion, ensuring all required documentation is collected and reviewed for compliance with investor and regulatory guidelines.

• Work directly with borrowers, real estate agents, and other stakeholders to explain requirements, resolve issues, and keep the process moving forward.

• Independently manage multiple assumption files concurrently while meeting SLA and quality expectations.

• Coordinate with internal servicing teams and external partners to ensure timelines are met and the customer experience is seamless.

• Review and validate borrower eligibility in accordance with Freddie Mac, Fannie Mae, and Ginnie Mae requirements.

• Accurately input, update, and maintain loan data with the servicing system, ensuring records reflect current ownership, obligor status, and assumption terms.

• Track milestones and maintain audit-ready documentation to support internal reviews, investor audits, and regulatory exams.

• Identify opportunities to improve workflows and leverage Valon’s technology to enhance processing speed and accuracy.

• Maintain a strong understanding of agency guidelines and regulatory requirements related to assumptions.

• Other duties as assigned

Ideal Background

• 2+ years of mortgage servicing or processing experience, with specific exposure to assumptions preferred.

• Familiarity with Freddie Mac, Fannie Mae, and Ginnie Mae servicing guidelines.

• Strong organizational skills with the ability to manage multiple files and deadlines simultaneously.

• Exceptional attention to detail and accuracy.

• Proactive communicator with a focus on customer satisfaction.

• Comfortable working in a fast-paced, technology-driven environment.

Minimum Qualifications

• Experience working in mortgage servicing or closing with agency and government loan products.

• Familiarity with state-specific recording requirements.

• Proven ability to work in a deadline-driven environment while maintaining quality standards.

• High school diploma, GED, or equivalent secondary education certification required.

Benefits

• Compensation: Competitive salary and a 401(k) plan—with a 4% annual match!

• Hours: No weekends or late nights required!

• Generous paid time off: 17 days of PTO, 5 paid sick/personal days, and 11 paid company holidays.

• Health & well-being: Comprehensive, low-cost medical, dental, & vision benefits, plus EAP support.

• Growth opportunities: New Hire Orientation, quarterly promotion opportunities, and annual reviews.

• Parental leave: 12 weeks of fully paid leave for birthing and non-birthing parents.

Throughout the interview process, please remember that emails will only be from valon.com email addresses. We will never ask for any personally identifiable information during the interview process itself. Please reach out to [email protected] if you have any requests to verify the authenticity of an outreach.

Valon is an equal opportunity employer that is committed to diversity and inclusion in the workplace. We prohibit discrimination and harassment of any kind based on race, color, sex, religion, sexual orientation, national origin, disability, genetic information, pregnancy, or any other protected characteristic as outlined by federal, state, or local laws. Valon makes hiring decisions based solely on qualifications, merit, and business needs at the time.