Outside Loan Officer

Job Description

Job Description

F5 Mortgage is hiring experienced Outside Loan Officers (remote) to originate residential mortgages independently on the F5 platform. We are a producer-led wholesale brokerage built around a custom, AI-first tech stack: F5 Command (in-house CRM, LOS, POS, marketing automation, refi finder, and AI assistant), with direct integrations to Pylon (Citi wholesale rails), UWM, and 30+ other wholesale lenders. One login. One database. No tab juggling, no Frankenstein integrations, no "let me check with the broker."

You run your own pipeline and your own book. F5 provides the platform, the lenders, the loan coordinator on every file, and the support, but the originating is yours. Two simple plans, your choice: F5 Pro ($795 / file + $199 / month) or F5 Flex ($1,495 / file, $0 monthly, no commitment). No splits, no comp tier games, no monthly clawbacks, no hidden margin in your borrower's rate.

F5 Pro adds free unlimited credit pulls (hard + soft), your branded LO site at yourname.f5mortgage.com (LO profile, live rate engine, lead capture, LE analyzer), full marketing automation, the refi finder, Roam virtual HQ live support, an 80% take-home floor on Lender-Paid Comp files, and clean downline overrides ($400 per loan on every direct L1 recruit, $100 on every L2). No vesting, no clawbacks, no production minimums, no sunset.

We are licensed in 10 states today: CA, CO, FL, GA, MI, OH, PA, SC, TX, VA, and adding more. Onboarding is two days of F5 work, then you go live the moment your state regulator clears the sponsorship transfer (typically 1-5 business days). Average close is ~21 days. Founded and led by a producing LO (Ryan McCallister, Founder & CEO) who is still in the LO seat next to you, working real files. The platform is the product, and it gets better every week.

This role is for licensed LOs who are tired of clunky 2015-era tech, surprise paycheck deductions, comp clawbacks, and a CEO who has not closed a loan in a decade. If you are ready to run independently on the best stack in the channel, with raw wholesale pricing, free credit, an AI-native CRM, and clean comp, we want to talk. joinf5m dot com

Compensation:

$125,000 - $500,000

Responsibilities:

• Originate residential mortgages independently from intake to clear-to-close on the F5 Command platform, owning your own pipeline and your own borrower relationships.
• Source your book your way: past clients, realtor and CPA partnerships, sphere of influence, social, paid, and any lead source you bring with you. F5 provides the CRM, AI follow-up, drip automation, refi finder, and branded LO site (Pro) to amplify it.
• Quote, structure, and lock loans across Pylon (Citi wholesale rails), UWM, and 30+ other wholesale lenders to find the best rate and program for every borrower. Run conventional, FHA, VA, USDA, jumbo, Non-QM, DSCR, Bank Statement, ITIN, HELOC, Construction, and reverse.
• Run every file end-to-end inside Command (LOS, POS, AUS, conditions, disclosures, redisclosures, CD, CTC) with a loan coordinator wired in on every file to handle the admin lift and keep your pipeline moving.
• Maintain active NMLS licensure in your sponsored states, complete annual CE, follow TCPA / RESPA / fair-lending rules, and protect F5's reputation for speed (~21-day average close) and clean compliance.
• Stay current on rates, guidelines, and product changes across the F5 lender network. Communicate proactively with borrowers, realtors, and listing agents so every file closes on time and every referral source comes back for the next deal.
• Optional: recruit other licensed LOs onto F5 Pro and earn clean overrides of $400 per loan on every direct (L1) recruit and $100 per loan on every L2, paid the day each loan closes. No vesting, no clawbacks, no production minimums.

Qualifications:

• Active NMLS MLO license in at least one F5 state (CA, CO, FL, GA, MI, OH, PA, SC, TX, VA) or eligible/willing to transfer sponsorship. Recent grads who have passed the SAFE exam and are awaiting sponsorship are welcome to apply.
• 1+ year of residential mortgage origination experience strongly preferred (purchase, refi, or both). Top producers from the wholesale/broker channel, retail banks, or correspondent shops all fit.
• Self-sourced book of business or a credible plan to build one. F5 amplifies your pipeline with AI follow-up, marketing automation, refi finder, and a branded LO site, but you must own the relationships.
• Tech-comfortable and excited to run your entire loan, marketing, and follow-up workflow inside one platform (F5 Command). No tab juggling, no patience for clunky 2015-era LOS / CRM stacks.
• Strong consultative communication with borrowers, real estate agents, builders, CPAs, and referral partners. You can quote a loan, explain a CD, and de-escalate a closing-week panic without breaking stride.
• Working knowledge of conventional, FHA, VA, USDA, and jumbo programs. Bonus for experience structuring Non-QM, DSCR, Bank Statement, ITIN, HELOC, Construction, or Reverse.
• Self-directed and comfortable operating without a sales manager breathing down your neck. The reward for that autonomy is full ownership of your book, your borrower data, and your income.

About Company

F5 Mortgage is a wholesale brokerage built like a software company. Licensed in 10 states (CA, CO, FL, GA, MI, OH, PA, SC, TX, VA), wholesale-direct to Pylon, UWM, and 30+ other lenders. The entire loan, intake to close, runs on Command, our in-house platform: CRM, LOS, POS, marketing, retention, and AI in one login. Engineering ships new features every week.

F5 was founded by Ryan McCallister, a producing LO who refused to keep working on 2015 tech in a 2026 world. He is still in production. He is still on the phones every Friday at 5 PM. He answers his own texts.

Most wholesale brokers are a recruiting machine that bought some software. F5 is the inverse: an AI-first software company that happens to do mortgages. That is the moat that the big shops cannot structurally catch up to.

100% remote. Producer-led. The CEO knows every LO's name.

Equal Housing Lender. NMLS Consumer Access available.