Mortgage Loan Officer (1099) — Remote
About The Position
Our Client is a full-service real estate and mortgage brokerage based in the San Francisco Bay Area, blending deep lending expertise with a modern, tech-enabled platform. They support homebuyers, homeowners, and investors nationwide with a wide range of programs—including Conventional, Jumbo, FHA, VA, USDA, Non-QM, DSCR, and specialty lending solutions—supported by fast digital tools (online quotes, pre-qual, automated pre-approvals, and streamlined applications). Mortgage Loan Officer (1099) — Remote The Opportunity Our Client is hiring a Mortgage Loan Officer (Independent Contractor/1099) to originate and structure loans, advise clients on the best financing strategy, and deliver a seamless experience from first call through closing. This is an ideal role for a relationship-driven producer who wants strong support, modern tools, and the ability to compete on complex files. What Youll Do Originate and structure mortgage loans across a broad program mix Consult with clients on options, scenarios, and strategies Review borrower profiles (income, credit, assets, property) and align the right solution Partner with processors, underwriters, lenders, and real estate referral sources Manage the client relationship through closing with high-touch communication and follow-through What Youll Get Daily training & coaching (scripts, compliance, deal strategy, mindset) AI-powered marketing and client-management tools to help you move faster and stay organized Access to top national wholesale lenders and competitive pricing Non-QM and advanced lending solutions for complex borrower scenarios E&O coverage provided A transparent, performance-driven commission structure Optional guidance on tax planning, wealth planning, health coverage options, and retirement structures Support with NMLS licensing (if needed) Compensation (Performance-Based) Strong earning potential; certain transactions may exceed $10,000+ depending on loan size and structure Consistent production (even one closed loan per month ) can support six-figure annual income potential Important disclosure: Income is not guaranteed. Results vary based on individual effort, consistency, market conditions, relationship building, and full compliance with lending regulations and company standards. Who This Role Fits Best Growth-minded, ethical professionals who sell through education and trust Producers who value autonomy, strong support, and modern systems Loan officers who want access to diverse programs (including Non-QM/DSCR) and a platform built for execution Qualifications Prior experience as a Mortgage Loan Officer or mortgage lending professional Working knowledge of underwriting guidelines and loan structuring Strong client service, relationship-building, and follow-through Comfortable working remotely with digital platforms and modern tools Active NMLS license (or willingness to obtain) Non-QM experience preferred, not required
Requirements
- Prior experience as a Mortgage Loan Officer or mortgage lending professional
- Working knowledge of underwriting guidelines and loan structuring
- Strong client service, relationship-building, and follow-through
- Comfortable working remotely with digital platforms and modern tools
- Active NMLS license (or willingness to obtain)
Nice To Haves
- Non-QM experience preferred, not required
Responsibilities
- Originate and structure mortgage loans across a broad program mix
- Consult with clients on options, scenarios, and strategies
- Review borrower profiles (income, credit, assets, property) and align the right solution
- Partner with processors, underwriters, lenders, and real estate referral sources
- Manage the client relationship through closing with high-touch communication and follow-through
Benefits
- Daily training & coaching (scripts, compliance, deal strategy, mindset)
- AI-powered marketing and client-management tools to help you move faster and stay organized
- Access to top national wholesale lenders and competitive pricing
- Non-QM and advanced lending solutions for complex borrower scenarios
- E&O coverage provided
- A transparent, performance-driven commission structure
- Optional guidance on tax planning, wealth planning, health coverage options, and retirement structures
- Support with NMLS licensing (if needed)
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What This Job Offers
Career Level
Mid Level
Education Level
No Education Listed
