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