Consumer Direct Mortgage Specialist

Rate; United States; Remote; USD 34,000 - 50,000; Full time

Benefits offered by this job

Competitive salary

Remote work flexibility

Company-sponsored 401(k)

Health insurance benefits

Job summary

A leading mortgage provider is seeking a full-time Mortgage Specialist to join the Consumer Direct team. The candidate will evaluate creditworthiness, process loan applications, and provide exceptional client service in a remote work environment. Responsibilities include promoting the advantages of the company, interviewing applicants to determine loan eligibility, and counseling clients on homeownership. The role offers competitive compensation with a base hourly rate and commissions, as well as comprehensive benefits.

Qualifications

• NMLS Licensed.
• Ability to identify and pursue sales opportunities effectively.
• Familiarity with computers and banking applications/software.
• Excellent communication and interpersonal skills.

Responsibilities

• Promote the significant advantages of working with Rate.
• Build rapport with clients to ensure we identify the best solution for the loan needs.
• Interview applicants to determine financial eligibility and granting loans.
• Counsel on the home buying or refinance process.

Skills

Sales opportunity identification

Excellent communication skills

Customer satisfaction orientation

Adaptability

Education

NMLS License

Tools

Banking applications/software

Job description

Overview

Rate is one of the nation’s top retail mortgage lenders, delivering a seamless, tech-driven experience that helps customers reach their homeownership and financial goals. Founded in 2000 and based in Chicago, Rate is licensed in all 50 states and D.C. and has helped over 2 million homeowners with a wide range of loan products, competitive rates and personalized service. With 5,000+ employees across 300+ offices and 12+ subsidiaries, Rate’s Loan Officers rank among the best in the country. From purchases and refinances to tapping into equity, Rate makes financing faster, simpler and less stressful. Our technology — including Same Day Mortgage, the Rate App, FlashClose℠, MyAccount and the Language Access Program — has earned recognition from HousingWire, Scotsman Guide, NerdWallet, the Chicago Tribune and Crain’s Chicago Business. Learn more at rate.com.

Job Title

Rate is looking for a full-time Mortgage Specialist to join the Consumer Direct team!

Job Description

The Mortgage Specialist evaluates creditworthiness by processing loan applications and documentation within specified limits. Our loan officers use our inhouse digital platform to ensure a smooth loan process. The Mortgage Specialist interviews applicants to determine financial eligibility, home loan readiness, while communicating with clients and completing the loan contracts. They play a crucial role in helping qualified applicants acquire loans in a timely manner. We are growing our Refi and Heloc teams.

Responsibilities

• Promote the significant advantages of working with Rate


• Build rapport with clients to ensure we identify the best solution for the loan needs.


• Interview applicants to determine financial eligibility and granting loans.


• Counsel on the home buying or refinance process, providing exceptional client service along the way.


• Reply to potential inquiries from company-generated prospects.


• Reach or exceed sales goals and objectives.


• Operate in compliance with laws and regulations

Qualifications

• NMLS Licensed


• The ability to identify and pursue sales opportunities effectively


• Familiarity with computers and banking applications/software.


• Dedication to learning - We’ll provide ongoing sales and industry training to help you succeed.


• Excellent communication and interpersonal skills.


• Customer satisfaction orientation and sales competencies.


• Adaptability - resiliency and an openness to adapting to industry changes are required.


• Ability to work in a goal-oriented environment.

Why join Rate and its Consumer Direct Division

• Leads are provided


• We have an inbound and outbound call model


• Nationwide footprint with the ability to be licensed in all 50 states


• Remote role - work from where you want


• Technology based mortgage company providing you with all the tools to be successful

Note: This job description is not intended to be an exhaustive list of all duties, responsibilities or qualifications associated with this job. Nothing in this job description restricts management’s right to assign or reassign duties and responsibilities to this job at any time.

Compensation: Employees are eligible to receive a base pay of an hourly minimum wage $17.00, as well as commissions through a competitive compensation structure.

Applications accepted until February 16th, 2026

In addition, the Company offers a comprehensive benefits program to eligible employees, including eligibility to participate in a company-sponsored 401(k); vacation benefits; eligibility for medical, dental, vision, and prescription drug benefits; flexible benefits (e.g., healthcare and/or dependent day care flexible spending accounts); life insurance and death benefits; critical care insurance; personal accidental insurance; commuter benefits; pet insurance; certain time off and leave of absence benefits; well-being benefits (e.g., employee assistance program); and other supplemental benefits (e.g. legal planning assistance; identity theft protection; pet insurance; wellness resources).

Rate, Inc. is an Equal Opportunity Employer that welcomes and encourages all applicants to apply regardless of age, race, sex, religion, color, national origin, disability, veteran status, sexual orientation, gender identity and/or expression, marital or parental status, ancestry, citizenship status, pregnancy or other reason prohibited by law.