Mortgage Loan Originator (Outside/Retail)

The Mortgage Talent Network; United States; Remote; USD 60,000 - 90,000; Full time

Job summary

The Mortgage Talent Network is seeking an Outside Mortgage Loan Originator to grow a referral-based purchase business across Texas and beyond. This field-facing role rewards a self-starter who thrives outside a branch and can turn a handshake into a closed loan.

You will build partnerships, assess borrowers’ financial goals, and guide them from application through closing, while staying current on market trends and guideline changes to provide trusted guidance.

Qualifications

• Self-sourced mortgage production experience with established referral networks.
• Strong referral-building and relationship-management skills.
• Experience with real estate agents, builders, and centers of influence.

Responsibilities

• Actively prospect and develop referral partnerships with agents, builders, planners, and centers of influence in your market.
• Consult with borrowers to assess goals, match to loan products, and guide from application to closing.
• Generate a self-sourced pipeline through outside sales activity and community involvement.
• Structure and present loan scenarios using conventional, FHA, VA, USDA, and portfolio products.
• Maintain accurate loan files in compliance with TRID, RESPA, and Texas regulations.
• Collaborate with in-house processing, underwriting, and closing teams for a smooth experience.
• Stay current on market trends and rate movements to position yourself as a trusted advisor.

Skills

Self-sourced production

Referral networks

Real estate partnerships

Consultative sales

Authorized to work in US

NMLS active

Conventional & government loans

Job description

The Opportunity

A well-established federally chartered, community-rooted Texas retail mortgage bank is looking for a driven Outside Mortgage Loan Originator ready to build meaningful borrower relationships and grow a referral-based purchase business. This is a field-facing role designed for a self-starter who thrives outside the four walls of a branch and knows how to turn a handshake into a closed loan. If you're looking for a platform that backs your hustle with strong operational support and a genuine commitment to community lending, this one deserves a serious look.

What You'll Do

• Actively prospect and develop referral partnerships with real estate agents, builders, financial planners, and other centers of influence across your market area

• Consult with borrowers to assess financial goals, match them to the right loan product, and guide them confidently from application through closing

• Generate a self-sourced pipeline through outside sales activity - networking events, open houses, community involvement, and one-on-one relationship building

• Structure and present loan scenarios using conventional, FHA, VA, USDA, and portfolio product options as applicable

• Maintain accurate and timely loan files in compliance with TRID, RESPA, and applicable Texas lending regulations

• Collaborate closely with in-house processing, underwriting, and closing teams to ensure a smooth borrower experience and on-time closings

• Stay current on market trends, rate movements, and guideline changes to position yourself as a trusted advisor in your community

Why This Opportunity

This lender has deep roots in the Texas communities it serves, which means you'll have the credibility of an established brand behind every referral conversation you have. The operational infrastructure - processing, underwriting, and closing - is built to support originators, not slow them down, so you can focus on what you do best: closing loans and growing relationships. For an originator who's ready to own their market and wants a company culture that values people over production quotas, this is a compelling next chapter.

The Mortgage Talent Network is an Equal Opportunity Employer. All qualified applicants will receive consideration without regard to race, color, religion, sex, national origin, age, disability, veteran status, or any other protected class.

• Active NMLS

• Proven track record of self-sourced mortgage production with an established referral network in the Texas market

• Solid working knowledge of conventional, government (FHA/VA/USDA), and specialty loan products

• Strong understanding of SAFE Act requirements

• Excellent communication and consultative sales skills - you can simplify the complex for first-time homebuyers and seasoned investors alike

• Must be authorized to work in the United States