Mortgage Loan Officer (MLO)

Radius Agent; California; Remote; USD 80,000 - 150,000; Full time

Job summary

A leading real estate brokerage is seeking a dynamic Mortgage Loan Officer (MLO) to join their team. This role involves educating clients, building relationships, and closing residential mortgage loans, all while enjoying high earning potential with uncapped commission. Ideal candidates will have a strong background in residential lending and excellent communication skills.

Benefits

Medical Coverage

Dental Coverage

Vision Coverage

Health Savings Account

Flexible Spending Account

Company Equity

Flexible Paid Time Off

Paid Parental Leave

401(k) with Company Match

Annual Professional Development Stipend

Qualifications

• Minimum 4 years of experience as a Mortgage Loan Officer focused on residential lending.
• Active NMLS license required.

Responsibilities

• Originate residential mortgage loans including purchases and refinances.
• Educate clients on mortgage options and rate structures.
• Build trust through consultative communication.

Skills

Communication

Relationship Building

Financial Analysis

Organizational Skills

Education

NMLS License

Job description

Mortgage Loan Officer (MLO)

Location: Remote or Hybrid (based in California)
Employment Type: Full-Time, Contractor (with potential for permanent hire)
Compensation: 100% Commission — 50 / 50 split on Radius-provided leads, 75% on self-sourced deals

About Radius Agent: Radius Agent is a modern real estate brokerage and technology platform that empowers real estate professionals with cutting-edge tools, AI-powered assistance, and seamless transaction management. Our mission is to streamline the homeownership process and help agents and mortgage professionals scale their businesses efficiently.

About the Role

We are seeking a dynamic, relationship-driven Mortgage Loan Officer (MLO) to join our growing team. This is an exciting opportunity for experienced loan officers who thrive in a fast-paced environment, are passionate about educating clients, and eager to build strong relationships with internal and external referral partners.

You’ll have access to over 400 active Radius real estate agents across California. Your role involves educating agents about our loan platform, increasing awareness of our mortgage add-on service, and driving adoption through relationship building. You’ll also self-source and close deals while providing exceptional guidance and service to clients.

Key Responsibilities

1. Originate residential mortgage loans including purchases, refinances, conventional, FHA, VA, jumbo, etc.
2. Provide second-opinion guidance by evaluating client loan offers and identifying opportunities for improved terms or savings.
3. Educate clients on mortgage options, rate structures, and down payment assistance programs.
4. Build trust through transparent, consultative communication and guide clients from application to closing.
5. Engage with internal Radius agents to build awareness and drive platform usage.
6. Cultivate relationships with referral partners and self-source business opportunities.
7. Use technology to manage your pipeline, track leads, and streamline the mortgage experience.
8. Stay updated on mortgage programs, rate trends, and compliance guidelines.
9. Collaborate with internal teams to ensure timely loan processing.

Qualifications & Requirements

• Minimum 4 years of experience as a Mortgage Loan Officer focused on residential lending.
• Active NMLS license required.
• Strong knowledge of refinances, rate comparisons, and government-backed programs.
• Familiarity with FHA, VA, jumbo loans, and down payment assistance programs.
• Excellent communication, relationship-building, and financial analysis skills.
• Highly organized, self-motivated, and driven to close business.
• Comfortable working flexible hours including evenings and weekends as needed.

What Makes You a Great Fit

• You enjoy building relationships and having meaningful conversations with agents and clients.
• You love uncovering savings opportunities through thoughtful analysis.
• You are proactive in outreach and passionate about educating and empowering others.
• You thrive in a remote, tech-savvy environment and value autonomy.
• Transparency, trust-building, and long-term client relationships are important to you.

Why Join Radius Agent

• High earning potential with uncapped commission — 50 / 50 split on company-provided leads, up to 75% on self-sourced deals.
• Access to a large network of 400+ internal Radius real estate agents and referral partners.
• AI-powered tools and marketing support to help you close more deals.
• A forward-thinking, tech-enabled culture that values innovation.

Benefits (for permanent hires)

• Medical, dental, and vision coverage (85% covered for employees, 50% for dependents).
• Health Savings Account (HSA) and Flexible Spending Account (FSA) options.
• Company equity.
• Flexible paid time off and 11 paid holidays.
• Paid parental leave.
• 401(k) with 3% company match.
• Annual professional development stipend.

Apply today and elevate your mortgage career with Radius Agent. Join us in reshaping the real estate and lending space — we'd love to have you on board!