Position Schedule:

Monday through Friday - 9:30 a.m. to 5:30 p.m. These positions are exclusively for in-house Loan Officers working from the employer's office . These are not remote or hybrid opportunities. Applicants must be able to report to the office and work their assigned schedule on-site.

Licensing Preference:

Candidates who hold both of the following licenses are strongly preferred and will receive priority consideration: Active California DRE Salesperson License Active NMLS Mortgage Loan Originator License Having both an active DRE Salesperson License and an active NMLS license is a major advantage for these positions. Newly licensed Loan Officers, experienced originators, and applicants who are new to the mortgage industry are encouraged to apply.

We Provide Leads:

Unlike many mortgage companies, our clients provide Loan Officers with leads and opportunities to speak directly with prospective borrowers.

Lead opportunities may include:

New internet leads Exclusive internet leads Aged leads for continued prospecting Inbound calls Live call transfers Existing customer and prospect databases Previous applicants and long-term follow-up opportunities Loan Officers are also encouraged to build referral relationships and generate self-sourced business.

Job Overview:

We are seeking motivated, energetic, and sales-driven Loan Officers to join our clients' in-house mortgage teams. These opportunities are open to both new and experienced mortgage professionals. You will help borrowers purchase homes, refinance existing mortgages, access home equity, and obtain financing for residential and investment properties. You will have access to a broad range of traditional, government, Non-QM, investment, bridge, construction, and alternative financing programs. Successful candidates must be comfortable working in a fast-paced sales environment, making outbound calls, responding to inbound inquiries, consistently following up with leads, and working toward individual production goals. What Makes These Opportunities Different? Depending on which employer you are matched with, you may have access to: Bank lending programs Retail mortgage products Wholesale mortgage products Brokered loan programs Correspondent lending options Inbound calls and live transfers Exclusive and aged leads Processing and operational support Loan Officer Assistant support Underwriting and compliance support Training for new Loan Officers Opportunities to develop a referral-based business The hybrid broker and lender provides flexibility through both retail and wholesale lending channels. The bank opportunity provides access to bank lending capabilities and additional mortgage programs.

Loan Programs:

Available loan programs may include: Conventional mortgages - no credit score needed or use VANTAGE Scores FHA loans with credit scores as low as 500, subject to program guidelines VA loans with credit scores as low as 500, subject to program guidelines Jumbo mortgages Bank Statement loans (low as 600 fico) True Profit and Loss Statement Only loans with low as FICO scores as low as 600, subject to program guidelines DSCR investment property loans (low as 600 fico) Non-QM full-document loans Alternative-documentation mortgages Hard money loans Bridge loans Construction financing Reverse mortgages HELOCs Closed-end second mortgages Financing for individual properties and portfolios of up to 10 units Bridge and commercial financing opportunities of up to $25 million Loan programs, credit-score requirements, loan amounts, property eligibility, and underwriting terms are subject to investor requirements, employer guidelines, borrower qualifications, licensing, and applicable federal and state law.

Primary Responsibilities:

Contact prospective borrowers through internet leads, inbound calls, live transfers, database opportunities, and outbound prospecting Identify borrowers' financial goals and recommend appropriate mortgage programs Take complete and accurate residential mortgage loan applications when properly licensed and authorized Review credit reports, income documents, bank statements, asset statements, and property information Analyze borrower qualifications and identify potential loan options Explain mortgage terms, interest rates, estimated payments, closing costs, and documentation requirements Use the employer's Loan Origination System, CRM, and mortgage technology Maintain consistent follow-up with new and existing prospects Manage active borrowers throughout the mortgage process Maintain detailed notes and accurate records of all communications Work closely with processors, Loan Officer Assistants, underwriters, closers, compliance personnel, and management Assist borrowers with satisfying documentation and underwriting conditions Develop referral relationships with real estate agents, builders, accountants, attorneys, financial professionals, and other business partners Generate repeat business and referrals through responsive and professional service Follow employer policies and all applicable mortgage lending regulations Comply with Fair Housing requirements, TILA, RESPA, ECOA, privacy requirements, advertising standards, and other applicable laws

Qualifications:

Prior experience as a Mortgage Loan Officer, Loan Originator, banker, lending professional, or financial salesperson is preferred but not required Active NMLS Mortgage Loan Originator License is strongly preferred Active California DRE Salesperson License is strongly preferred Applicants holding both an active DRE Salesperson License and active NMLS license are highly preferred Strong sales, communication, negotiation, and relationship-building skills Comfortable making outbound calls and following up consistently with leads Ability to work in a fast-paced, performance-driven, in-office environment Strong organizational and time-management skills Ability to communicate mortgage terms clearly and professionally Basic understanding of credit, income, assets, liabilities, and debt-to-income ratios is preferred Familiarity with Conventional, FHA, VA, Jumbo, Non-QM, DSCR, Bank Statement, or alternative-documentation lending is a plus Experience with Loan Origination Systems, CRMs, mortgage software, or financial technology is preferred Knowledge of Fannie Mae, Freddie Mac, FHA, VA, Fair Housing, TILA, RESPA, and mortgage compliance requirements is a plus Ability to maintain accurate records and protect confidential consumer information Dependable, coachable, motivated, and focused on achieving production goals New to the Mortgage Industry? Applicants who are new to mortgage lending and are not currently licensed may still be considered for employment. Unlicensed applicants who are hired will be required to begin the licensing process and obtain all required licenses within 90 days of starting employment , subject to employer requirements and applicable law. Until properly licensed and authorized, an unlicensed employee may only perform duties legally permitted for an unlicensed employee. An unlicensed employee may not take mortgage applications, offer or negotiate loan terms, or engage in activities requiring an NMLS Mortgage Loan Originator license. Continued employment in a Loan Officer position may be contingent upon obtaining and maintaining all required licenses, registrations, and employer approvals.

Compensation:

Compensation is based on the applicant's: Mortgage lending experience Licensing status Production history Sales background Assigned position Employer placement Compensation may include hourly plus commissions, commission only with guaranteed hourly as a recoverable draw from future commissions, hourly or base compensation, commissions, production bonuses, performance incentives, and employer-provided lead opportunities. Specific compensation terms will be discussed during the interview process and provided in the selected employer's written compensation agreement. Why Apply? Two separate mortgage employer opportunities Opportunity to work for a federally chartered bank (originate in all 50 states) Opportunity to work for a hybrid mortgage broker and lender Leads provided Inbound calls and live transfers Exclusive and aged internet leads Opportunities for new and experienced Loan Officers Retail and wholesale loan options Conventional, government, Jumbo, Non-QM, investment, and commercial programs Training and management support Processing and operational assistance Career advancement opportunities Monday through Friday schedule Established in-office sales environment Qualified applicants will be evaluated and matched with the employer that best fits their licensing, experience, production background, and career goals.

Pay:

$63,625.80 - $376,624.63 per year

Work Location:

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