Encompass Developer

Here at Lower, we believe homeownership is the key to building wealth, and we’re making it easier and more accessible than ever. As a mission-driven fintech, we simplify the home-buying process through cutting-edge technology and a seamless customer experience.

With tens of billions in funded home loans and top ratings on Trustpilot (4.8), Google (4.9), and Zillow (4.9), we’re a leader in the industry. But what truly sets us apart? Our people. Join us and be part of something bigger.

Job Description:

We are a nationwide mortgage lender specializing in residential and commercial lending. We are seeking a skilled Encompass Developer to design, enhance, and maintain our Encompass mortgage loan origination system (LOS). The ideal candidate will have a strong understanding of mortgage operations, Encompass SDK/API integrations, custom forms, business rules, and automation to support efficient loan processing and compliance. This is a contract role.

What you’ll do:

• Develop and maintain custom Encompass configurations, including business rules, input forms, print forms, and custom fields.

• Utilize Encompass SDK, API, and Ellie Mae Developer Connect to build and integrate external systems, tools, and data sources.

• Design and implement automation solutions to improve workflow efficiency, accuracy, and compliance.

• Troubleshoot and resolve system issues, user errors, and integration failures.

• Collaborate with business users, operations, and IT teams to gather requirements and translate them into technical solutions.

• Support Encompass upgrades, environment maintenance, and testing of new releases.

• Develop documentation and provide user training on new functionality.

• Ensure compliance with mortgage industry regulations, investor guidelines, and company policies.

• Customer form development

• Advanced code development

• Trigger rule development

• Dashboard and reporting enhancements

Who you are:

• 5+ years of related work experience

• Valid Encompass Administration or Developer Certification from ICE or Mortgage Workflow Partners (Required)

• Maintains a working knowledge of all current system guidelines and features.

• Ability to use systems and software programs needed to conduct daily business.

Why you’ll love working at Lower:

• You’ll be surrounded by talented, dedicated people who believe in the company’s mission.
• You’ll be able to shape the future of Lower’s user experience.
• You’ll join a locally and nationally recognized best place to work that values promotion from within.
• There is opportunity for professional growth and development.

Plus:

• Competitive compensation plan
• Extended benefit offerings including: Medical/dental/vision
• Paid holidays
• Paid time off
• Parental leave
• Life insurance
• Short- and long-term disability
• 401K with company match
• Discount on home mortgage refinances or purchase

Job Type: Full-time

Work Location: Remote US

Pay: $12,000 - $14,000 monthly. 3- month contracts

Lower provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.
This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.

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