Mortgage Loan Originator (HELOC and Refi) - Sage Home Loans

redventures; Charlotte (NC); Hybrid; USD 32,000 - 39,000; Full time

Benefits offered by this job

Health Insurance Coverage (medical,牙)

Job summary

Sage Home Loans Corporation, a digital mortgage lender, is seeking a mortgage sales professional for a hybrid role based in South Charlotte, NC with Fridays remote. The candidate will handle inbound calls, explain refinances and HELOCs, and work with internal teams to move loans from application to closing.

Seeking at least 1 year in mortgage sales, an NMLS license, and strong knowledge of FHA/VA/Conventional products along with RESPA/TILA compliance.

Qualifications

• At least 1 year of mortgage sales experience with a proven track record.
• NMLS-licensed mortgage loan originator with hands-on refinance experience.
• Familiarity with FHA, VA, Conventional refinances and HELOCs.
• Knowledge of LTV/CLTV concepts and tradeoffs between refinance and HELOCs.
• Strong understanding of lending regulations including RESPA and TILA.

Responsibilities

• Answer inbound calls discussing refinance and HELOC products and steps.
• Educate clients on rate-and-term refinances, cash-out options, and loan benefits.
• Communicate loan progress clearly and collect required documents.
• Make outbound calls to generate new business and improve retention.
• Manage a pipeline to meet conversion and cycle-time targets.
• Collaborate with Operations and Processing to move loans from application to closing.

Skills

Mortgage sales

NMLS license

Rate/term refinances knowledge

HELOC product knowledge

Regulatory knowledge (RESPA/TILA)

Phone sales

Client relationship building

Job description

This role is not open to visa sponsorship or transfer of visa sponsorship including those on H1-B, F-1, OPT, STEM-OPT, or TN visa, nor is it available to work corp-to-corp.

This role requires a hybrid schedule and will be based in our South Charlotte, NC Headquarters (Monday through Thursday) and work fully remotely on Fridays each week.

For the Sage Home Loans website. Curious how Sage Home Loans fits into Red Ventures?

What You\'ll Do:

• Answer inbound calls from homeowners to discuss refinance and HELOC products, prequalification criteria, and next steps.
• Educate clients on how rate-and-term refinances, cash-out refinances, and HELOCs can help them reach their goals, such as lowering their payment, consolidating debt, funding home improvements, or accessing home equity.
• Communicate loan progress clearly to consumers and collect any required documentation.
• Make outbound sales calls to prospective and existing customers, including past clients with refinance or equity opportunities, to generate new business and strengthen retention.
• Monitor and actively manage a pipeline of leads and loans to meet conversion goals and cycle time targets.
• Partner with our Operations and Processing teams (internal and partner) to move refinance and HELOC loans smoothly from application through closing.

What We\'re Looking For:

• At least 1 year of mortgage sales experience with a proven track record of performance and client trust.
• NMLS-licensed mortgage loan originator with hands-on experience originating refinance loans; HELOC origination experience preferred.
• Working knowledge of FHA, VA, and Conventional refinance products and HELOC products, and how their unique benefits serve clients.
• Familiarity with home equity concepts such as LTV and CLTV, and the ability to explain the tradeoffs between refinance and HELOC options in plain language.
• Strong knowledge of consumer lending regulations, including fair lending, privacy, RESPA, and TILA, and a commitment to always doing the right thing.
• Excellent phone sales skills with the ability to connect, empathize, and guide clients confidently through the loan process.
• Ability to manage competing priorities in a fast-paced environment while consistently meeting deadlines and service expectations.
• A natural relationship-builder who can collaborate across teams and foster trust with both internal partners and external clients.
• Demonstrated coachability, adaptability, and a growth mindset, always striving to leave the woodpile higher.
• Takes ownership of the client experience and communicates proactively to exceed expectations and uphold our service-level commitments.
• Energized by a culture that values speed, ethics, impact, and accountability, and driven by a desire to win the right way.

Compensation:

Total Cash Compensation Range: $35K annually, plus applicable incentives

Benefits:

• Health Insurance Coverage (medical, dental, and vision)
• Life Insurance
• Short and Long-Term Disability Insurance
• Flexible Spending Accounts
• Holiday Pay
• 401(k) with match
• Employee Assistance Program
• Paid Parental Bonding Benefit Program
• Flexible Paid Time Off (PTO): We believe time to rest and recharge is essential. That's why we offer a generous and flexible PTO policy. Full-time employees accrue 20 days of PTO for a full calendar year annually, with an increase to 25 days after five years of service.

Who We Are:

Sage Home Loans Corporation is a digital mortgage lender solution redefining the mortgage origination experience. By building new technology solutions, we're creating simple and clean customer experiences to simplify the mortgage application process. Our team has developed a fully digital online application that enables the user to complete their application and start looking for the right mortgage that matches their needs 24/7. We then marry the digital journey with exceptional human interaction from our expert Loan Officers to create the b