Mortgage Loan Originator, REMOTE

Location: Fully Remote (Optional Local Office Access)

Compensation: Commission-Based

• Fully remote; option to work in a local branch if available
• 90 branches nationwide; licensed in all 50 states
• In certain states, Loan Originators must reside within 60 miles of a branch
• Up to 80% regional travel required

• All loans serviced in-house
• Innovative loan products and comprehensive tools for both customers and Loan Originators

• Primarily self-generated book of business
• Limited company-provided leads
• Preferred:
  Minimum average of 2 closed loans per month over the past 12 months
• Bank or credit union backgrounds may not align due to differences in lead generation and volume structure
• Heavy retail lead environments are not an ideal fit

• FHA
• VA
• Conventional
• Non-QM
• DSCR

• Originate mortgage loans primarily outside of company offices; in-office activity is supplemental
• Build and maintain referral relationships with realtors, title/escrow officers, financial advisors, CPAs, and other professionals
• Attend closings, open houses, seminars, and other lead-generation events
• Complete loan applications and collect borrower documentation
• Analyze income, debt, and credit to determine loan qualification
• Counsel borrowers on product options, payment structures, and closing costs
• Maintain consistent communication with borrowers, referral partners, and internal teams throughout the loan process
• Order necessary documentation and review HUDs prior to closing

• Active state mortgage license (as required)
• Knowledge of pricing and underwriting guidelines across mortgage insurance providers
• Working knowledge of FNMA, FHLMC, FHA, VA, bonding programs, and private investors
• Familiarity with federal, state, and local mortgage regulations (TILA, RESPA, zoning, etc.)