Mortgage Loan Officer

Smart Rate Lending, Inc. is a mortgage broker dedicated to helping home buyers and homeowners secure financing with clarity and confidence. Since 1993, the company has combined seasoned lending expertise with AI-powered technology to match borrowers with experienced loan officers and competitive mortgage products. With loan professionals averaging more than 20 years in the industry, Smart Rate Lending offers personalized guidance throughout the mortgage process.

The company provides a wide range of loan types, including conventional, FHA, VA, jumbo, USDA, renovation, adjustable-rate, purchase, and refinance options. Smart Rate Lending focuses on making the mortgage experience simple, transparent, and aligned with each client’s financial goals (NMLS #2707542).

Before applying for this role, please read the following information about this opportunity found below.

Earn More. Grow Faster. Build Your Business.

We're looking for an experienced Mortgage Loan Officer ready to maximize their earning potential. Join a platform designed to help you close more loans, grow your pipeline, and keep more of what you earn.

• 100% commission payout
• Only $500 per loan fee
• First loan processed at no cost
• Dedicated in-house processing team
• Latest technology, including Arive LOS
• Marketing support and lead generation opportunities
• Access to 100+ approved lenders
• Licensed to originate loans in 15 states: California, Arizona, Idaho, Utah, Colorado, Texas, Alabama, Georgia, Florida, South Carolina, North Carolina, Virginia, Maryland, Pennsylvania, and Tennessee

• Originate and close residential mortgage loans from application through funding
• Build and maintain relationships with borrowers, Realtors, and referral partners
• Evaluate clients' financial needs and recommend mortgage solutions
• Coordinate with processing and underwriting to ensure a smooth closing experience
• Manage your pipeline while providing exceptional customer service

• Active xzgxqkn NMLS Mortgage Loan Originator (MLO) license in good standing
• 6+ years of experience originating and closing residential mortgage loans with a proven track record of success
• Strong knowledge of mortgage products, underwriting guidelines, and the residential lending process
• Excellent communication and relationship-building skills
• Experience using loan origination systems (Arive experience is a plus)
• Self-motivated with an entrepreneurial mindset and a passion for growing your business