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

Sage Home Loans Corporation • Charlotte, NC

18h • Hybrid

About The Position

Sage Home Loans is hiring a Mortgage Loan Originator for its Sales team to guide homeowners considering refinance loans or home equity lines of credit (HELOCs). The role serves as an initial point of contact and trusted guide, helping prospective and existing clients understand loan products, prequalification, and next steps by phone and email. The originator owns the client experience from the first conversation through closing while managing a pipeline and generating business through outbound calls.

The position collaborates with internal and partner Operations and Processing teams to move refinance and HELOC loans from application through closing. The schedule is hybrid: work at the South Charlotte, North Carolina headquarters Monday through Thursday and remotely on Fridays. The position is not open to visa sponsorship or transfer of visa sponsorship and is not available for corp-to-corp work. Total cash compensation is listed as $35,000 annually, plus applicable incentives.

Requirements

• At least one year of mortgage sales experience with a proven 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, and commitment to ethical conduct.
• Excellent phone sales skills, including the ability to connect with, empathize with, and confidently 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 build trust with internal partners and external clients.
• Coachability, adaptability, a growth mindset, and a commitment to taking ownership of the client experience.

Nice To Haves

• HELOC origination experience.

Responsibilities

• Answer inbound calls from homeowners to discuss refinance and HELOC products, prequalification criteria, and next steps.
• Explain how rate-and-term refinances, cash-out refinances, and HELOCs may support clients’ goals, including lowering payments, consolidating debt, funding home improvements, or accessing home 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 uphold service-level commitments and exceed expectations.

Benefits

• Medical, dental, and vision insurance coverage.
• Life insurance.
• Short- and long-term disability insurance.
• Flexible spending accounts.
• Holiday pay.
• 401(k) with company match.
• Employee Assistance Program.
• Paid parental bonding benefit program.
• Flexible paid time off: full-time employees accrue 20 days per 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