Mortgage Loan Officer

Mortgage Loan Officer - Flexibility to Work from Home - Richmond Area

We are a small but growing mortgage brokerage that has recently invested thousands into new software, a new website, and new marketing campaigns, including social media. Applicants will be the first to be considered for promotion and growth roles with the company. Future roles include a sales manager and an operations manager as the company grows.

Enjoy the freedom of a work-from-home environment, no micro‑management, marketing and lead assistance provided, plus bonuses.

Work environment includes:

• Work‑from‑home days
• Growth opportunities
• Relaxed atmosphere
• On‑the‑job training
• Company perks
• Lively atmosphere
• Safe work environment

• Contact and pitch realtors on using our company to help their clients with their mortgage needs.
• Develop and maintain relationships with clients to understand their mortgage needs and provide appropriate loan solutions.
• Evaluate loan applications and determine eligibility based on creditworthiness, income, and other factors.
• Guide clients through the loan application process, including gathering necessary documentation and ensuring compliance with regulations.
• Collaborate with underwriters, processors, and other internal teams to assist with timely and accurate loan processing.
• Provide exceptional customer service throughout the loan origination process, addressing client inquiries and concerns.
• Stay up-to-date on industry trends, regulations, and changes in lending practices.
• Meet or exceed sales targets by actively promoting loan programs and services.

• Strong knowledge of mortgage sales and loan processing.
• Familiarity with industry software such as Arive and Lender Price (not required).
• Excellent communication and interpersonal skills to build rapport with clients.
• Ability to analyze client's credit profile and make informed lending decisions.
• Detail‑oriented with strong organizational skills to manage multiple loan applications simultaneously.
• Proficient in negotiating terms and conditions of loans within established guidelines.
• Knowledge of federal regulations, including TILA (Truth in Lending Act) requirements.
• Experience with Conventional, FHA, VA, and USDA guidelines.

Note:

This job description is not exhaustive and may be subject to change or modification at any time.

While this is a remote position, we are ideally looking for someone located in the Richmond, VA area or surrounding counties (Hanover, Chesterfield, Henrico).

This is currently a 100% commission role, but we aim to quickly add a base salary once the candidate's sales are established.

United Financial Mortgage, LLC is an equal‑opportunity employer.

Job Type: Full‑time | Salary: $50,000.00 - $ per year |

Schedule:

8‑hour shift, Monday to Friday | Work setting:
Remote | Supplemental pay types:
Bonus opportunities, Commission pay |

Education:

Bachelor's (Preferred) |

Experience:

Mortgage Loan Officer 1 year (Preferred) | License/Certification: MLO License in the state of Virginia (Preferred) | Willingness to travel: 25% (Preferred) |

Work Location:

Remote | Seniority level:
Entry level |

Employment type:

Full‑time | Job function:
Finance and Sales