Mortgage Loan Officer

Mortgage Capital Partners, Inc.; La Cañada Flintridge (CA); On-site; USD 90,000 - 150,000; Full time

Job summary

HouseAmerica Financial in La Cañada Flintridge is seeking an experienced Mortgage Loan Officer to join our on-site team. This full-time role focuses on originations, client guidance from application to funding, and building local referral networks.

You will evaluate borrower needs, coordinate with processing and underwriting, and ensure ethical lending with a personal, service-driven approach. A successful candidate will have strong mortgage product knowledge, solid communication, and the

Qualifications

• Demonstrated success originating and closing residential mortgage loans.
• Strong knowledge of conventional, government, and jumbo mortgage products.
• Working knowledge of underwriting guidelines, income and asset documentation, and loan structuring.
• Strong relationship-building, communication, and business development skills.
• Active NMLS license and applicable state licensing, or eligibility to obtain licenses.
• Proficiency with loan origination systems and standard office software.
• Strong organizational skills and ability to manage multiple files and deadlines.
• Ability to work on-site in La Cañada Flintridge and collaborate with operations and leadership.
• Commitment to compliant, ethical lending practices.

Responsibilities

• Develop new business through proactive prospecting, referral partnerships, and local networking.
• Build and maintain relationships with real estate agents, other referral partners, and clients.
• Evaluate borrower needs, financial documentation, and qualifications to recommend appropriate mortgage products.
• Structure loan scenarios in accordance with applicable underwriting guidelines and program requirements.
• Collaborate with processing and underwriting teams to address conditions and keep files moving toward closing.
• Manage an active loan pipeline, track milestones, and communicate clearly with borrowers and referral partners.
• Maintain compliance with applicable regulations, licensing requirements, and company policies.
• Uphold high standards of ethical lending, responsiveness, and client care.

Skills

Relationship-building

Communication

Business development

NMLS license

Mortgage product knowledge

Underwriting knowledge

LO systems familiarity

Organizational skills

Ethical lending

Tools

Loan Origination Systems

Job description

About HouseAmerica Financial

Full-time | On-site | Remote

HouseAmerica Financial is a privately owned, well-capitalized mortgage banking company headquartered in La Cañada Flintridge, California. Since 2018, we have funded more than 6,500 loans totaling over $7 billion, combining the resources of a national lender with personalized service.

Licensed in 48 states, we offer a broad range of mortgage solutions for homebuyers, homeowners, and real estate investors. Our in-house processing, underwriting, and funding teams—along with access to leading wholesale investors—give mortgage loan officers the resources to deliver efficient service and competitive financing options.

Our centralized operations, local oversight, and hands‑on leadership team support a culture built around service, collaboration, and strong performance.

About the Role

We are seeking an experienced Mortgage Loan Officer to join our team in La Cañada Flintridge. This full-time, on-site position is ideal for a relationship-driven mortgage professional who combines business development skills with a commitment to helping borrowers navigate the financing process.

You will originate residential mortgage loans, identify financing options that align with each borrower’s needs and qualifications, and guide clients from application through funding. You will work closely with our in-house operations teams while building referral relationships and growing your presence in the local market.

Key Responsibilities

• Develop new business through proactive prospecting, referral partnerships, and local networking.
• Build and maintain relationships with real estate agents, other referral partners, and clients.
• Evaluate borrower needs, financial documentation, and qualifications to recommend appropriate mortgage products.
• Structure loan scenarios in accordance with applicable underwriting guidelines and program requirements.
• Collaborate with processing and underwriting teams to address conditions and keep files moving toward closing.
• Manage an active loan pipeline, track milestones, and communicate clearly with borrowers and referral partners.
• Maintain compliance with applicable regulations, licensing requirements, and company policies.
• Uphold high standards of ethical lending, responsiveness, and client care.

Qualifications

• Demonstrated success originating and closing residential mortgage loans.
• Strong knowledge of conventional, government, and jumbo mortgage products.
• Working knowledge of underwriting guidelines, income and asset documentation, and loan structuring.
• Strong relationship-building, communication, and business development skills.
• Active NMLS license and applicable state licensing, or eligibility and willingness to obtain required licenses.
• Proficiency with loan origination systems and standard office software.
• Strong organizational skills, attention to detail, and the ability to manage multiple files and deadlines.
• Ability to work on-site in La Cañada Flintridge and collaborate closely with operations and leadership.
• A demonstrated commitment to compliant, ethical lending practices.

Why HouseAmerica Financial?

• In-house processing, underwriting, and funding.
• A broad product offering and access to leading agency and nonqm investors.
• Hands‑on leadership and local operational oversight.
• The scale of a company licensed in 48 states, with a personalized approach to service.
• A collaborative environment focused on client experience and loan officer success.