Mortgage Loan Originator (HELOC and Refi) | Sage Home Loans

Red Ventures • Charlotte, NC

18h • Hybrid

About The Position

At Sage Home Loans, the Mortgage Loan Originator is part of the Sales team and serves as a trusted guide for homeowners refinancing or accessing home equity through a HELOC. The role communicates with prospective and existing clients by phone and email, explains loan products and prequalification, manages a pipeline, generates new business through outbound calls, and owns the client experience from the first conversation through closing. The Loan Originator partners with internal and external Operations and Processing teams to support loans through closing.

The position follows a hybrid schedule based at the South Charlotte, North Carolina headquarters Monday through Thursday, with remote work on Fridays. The role is not open to visa sponsorship or transfer of visa sponsorship and is not available for corp-to-corp work.

Requirements

• At least 1 year of mortgage sales experience with a proven track record of performance and client trust.
• NMLS-licensed mortgage loan originator with hands-on experience originating refinance loans.
• Working knowledge of FHA, VA, and Conventional refinance products and HELOC products.
• Familiarity with home equity concepts such as LTV and CLTV, and ability to explain the tradeoffs between refinance and HELOC options in plain language.
• Strong knowledge of consumer lending regulations, including fair lending, privacy, RESPA, and TILA.
• Excellent phone sales skills and ability to connect with, empathize with, and guide clients through the loan process.
• Ability to manage competing priorities in a fast-paced environment while meeting deadlines and service expectations.
• Ability to collaborate across teams and foster trust with internal partners and external clients.
• Coachability, adaptability, a growth mindset, ownership of the client experience, and commitment to ethical, accountable work.

Nice To Haves

• HELOC origination experience.

Responsibilities

• Answer inbound homeowner calls to discuss refinance and HELOC products, prequalification criteria, and next steps.
• Explain rate-and-term refinances, cash-out refinances, and HELOCs, including how they may support client goals such as lowering payments, consolidating debt, funding home improvements, or accessing equity.
• Communicate loan progress clearly and collect required documentation.
• Make outbound sales calls to prospective and existing customers, including past clients with refinance or equity opportunities, to generate business and strengthen retention.
• Monitor and actively manage a pipeline of leads and loans to meet conversion goals and cycle time targets.
• Partner with internal and partner Operations and Processing teams to move refinance and HELOC loans from application through closing.
• Own the client experience and communicate proactively to meet service-level commitments.

Benefits

• Medical, dental, and vision insurance coverage
• Life insurance
• Short- and long-term disability insurance
• Flexible spending accounts
• Holiday pay
• 401(k) with match
• Employee Assistance Program
• Paid Parental Bonding Benefit Program
• Flexible paid time off; full-time employees accrue 20 days for a full calendar year, increasing to 25 days after five years of service

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: No Education Listed