Mortgage Loan Officer

Your relationships drive your business. Your lending options should help you make the most of them.

At Modern Valley Home Loans, we give experienced loan officers access to competitive pricing, a wide range of mortgage programs, and responsive support so you can serve more borrowers, strengthen referral relationships, and close with confidence.

If you're looking for more options for clients and more opportunity for your career, let's talk.

• Compensation that rewards your production. Earn 200+ BPS on closed and funded loans, subject to your compensation agreement.

• 100+ lenders to help you compete. Find solutions across a broad lender network instead of letting limited product options stand between your borrower and a closing.

• Fast closings on eligible files. Close in as little as 10-14 days, depending on lender requirements, complete documentation, and transaction readiness.

• Remote flexibility. Build your business and stay connected with clients and referral partners from your remote workspace.

• Processing. Access third-party processors to help coordinate documentation and move loans toward closing.

• Access to lender expertise. Connect with lender account executives for scenario guidance, product questions, and file support.

• Marketing resources to support your growth. Access flyers, social media materials, CRM tools, and other resources to help you stay visible and follow up consistently.

• Additional borrower resources. Free client credit pulls and credit repair services may be available through a preferred lender, subject to its terms and eligibility requirements.

Serve home buyers, homeowners, self-employed borrowers, and real estate investors with programs including:

• Conventional: Financing for primary homes, second homes, and investment properties.

• FHA: Low down payment options with flexible credit requirements.

• VA: Eligible veterans and service members may qualify with no down payment.

• USDA: No down payment financing for eligible rural and suburban buyers.

• 500 FICO Purchase & Refinance: Options for eligible borrowers with credit scores as low as 500.

• Down Payment Assistance: Programs to help eligible buyers cover upfront costs.

• DSCR Investment Loans: Qualify primarily using the property’s rental income.

• Bank Statement Loans: Use bank statements to document self-employed income.

• New Construction: Financing to build primary homes and investment properties.

• HELOCs: Revolving credit secured by your home’s equity.

• Rate-and-Term Refinance: Replace your mortgage to change its rate or term.

• Cash-Out Refinance: Replace your mortgage and access equity as cash.

• Reverse Mortgages: Eligible homeowners, typically 62+, can access equity without monthly mortgage payments; taxes, insurance, and upkeep remain required.

All programs are subject to lender guidelines and borrower eligibility. Availability varies by state, credit profile, property, and transaction.