A mortgage loan officer is a financial professional who specializes in residential home loans and is employed by a mortgage lender. They are usually the first person youll talk to when you shop for a mortgage loan, and they are responsible for advising, assisting, and generating the paperwork needed to complete a loan application. Mortgage loan officers are trained to analyze your income, down payment, and credit history to choose the right loan program, and they can help you negotiate the best mortgage program terms. They are licensed with the necessary federal and state authorities and adhere to the regulations of the lending process. The primary responsibilities of a mortgage loan officer include nurturing relationships with real estate companies, assessing the credit of potential borrowers, and reviewing loan options with potential borrowers. Mortgage loan officers focus almost exclusively on real estate loans for people and businesses, and they typically work in an office and travel to meet clients.