Mortgage Loan Officer

SmartRate Lending, Inc.; United (PA); Remote; USD 120,000 - 200,000; Full time

Benefits offered by this job

100% commission payout

Loan fee $500 per loan

First loan at no cost

In-house processing

Arive LOS

Marketing support

Lenders network

15-state license

Job summary

SmartRate Lending, Inc. is seeking an experienced Mortgage Loan Officer to maximize earnings on a 100% commission platform.

This remote role offers a pathway to build a sizable loan book with support from a dedicated processing team and access to 100+ lenders. You will originate and close residential loans from application to funding, nurture borrower and realtor relationships, and coordinate with underwriting to ensure smooth closings.

Qualifications

• Active NMLS Mortgage Loan Originator (MLO) license in good standing.
• 6+ years of experience originating and closing residential mortgage loans with a proven track record.
• Strong knowledge of mortgage products, underwriting guidelines, and the residential lending process.
• Excellent communication and relationship-building skills.
• Experience using loan origination systems (Arive experience is a plus).

Responsibilities

• Originate and close residential mortgage loans from application through funding.
• Build and maintain relationships with borrowers, Realtors, and referral partners.
• Evaluate clients' financial needs and recommend mortgage solutions.
• Coordinate with processing and underwriting to ensure a smooth closing experience.
• Manage your pipeline while providing exceptional customer service.

Skills

MLO license

6+ years experience

Tools

Arive LOS

Job description

Company Description:

SmartRate Lending, Inc. is a mortgage broker dedicated to helping homebuyers and homeowners secure financing with clarity and confidence. Since 1993, the company has combined seasoned lending expertise with AI-powered technology to match borrowers with experienced loan officers and competitive mortgage products. With loan professionals averaging more than 20 years in the industry, SmartRate Lending offers personalized guidance throughout the mortgage process. The company provides a wide range of loan types, including conventional, FHA, VA, jumbo, USDA, renovation, adjustable-rate, purchase, and refinance options. SmartRate Lending focuses on making the mortgage experience simple, transparent, and aligned with each client’s financial goals (NMLS #2707542).

Before applying for this role, please read the following information about this opportunity found below.

Location: 100% Remote (with option for in-person days at our Danville, CA office to connect and collaborate.)

Earn More. Grow Faster. Build Your Business.

We're looking for an experienced Mortgage Loan Officer ready to maximize their earning potential. Join a platform designed to help you close more loans, grow your pipeline, and keep more of what you earn.

Why Join Us?

• 100% commission payout
• Only $500 per loan fee
• First loan processed at no cost
• Dedicated in-house processing team
• Latest technology, including Arive LOS
• Marketing support and lead generation opportunities
• Access to 100+ approved lenders
• Licensed to originate loans in 15 states: California, Arizona, Idaho, Utah, Colorado, Texas, Alabama, Georgia, Florida, South Carolina, North Carolina, Virginia, Maryland, Pennsylvania, and Tennessee

Responsibilities

• Originate and close residential mortgage loans from application through funding
• Build and maintain relationships with borrowers, Realtors, and referral partners
• Evaluate clients' financial needs and recommend mortgage solutions
• Coordinate with processing and underwriting to ensure a smooth closing experience
• Manage your pipeline while providing exceptional customer service

Qualifications

• Active xzgxqkn NMLS Mortgage Loan Originator (MLO) license in good standing
• 6+ years of experience originating and closing residential mortgage loans with a proven track record of success
• Strong knowledge of mortgage products, underwriting guidelines, and the residential lending process
• Excellent communication and relationship-building skills
• Experience using loan origination systems (Arive experience is a plus)
• Self-motivated with an entrepreneurial mindset and a passion for growing your business