Licensed Mortgage Loan Officer

Job Description

Job Description

We are actively hiring Experienced Mortgage Loan Officers who are self-motivated, results-driven, and ready to grow their production. Our Loan Officers Benefit from Our Unique Programs such as our FHA VOE and Earned Equity Programs that supercharge your pipeline and our unique payment model allow you to close fast and make more!

Speak with one of our experienced AE's to see our pricing!

This is a 100% commission-based role ideal for Loan Officers who:

• Have an existing book of business
• Want higher payouts and faster closings
• Prefer a flexible, work-from-home environment

Bilingual candidates (Spanish preferred) are strongly encouraged to apply to better serve diverse borrower communities.

Responsibilities

• Originate and close residential mortgage loans (purchase, refinance, and specialty products)
• Utilize your existing referral network and book of business to generate consistent loan volume
• Analyze borrower financials, including income calculation, credit review, and documentation
• Structure loans across multiple programs including:
• • Conventional
  • FHA / VA / USDA
  • Non-QM
  • Down Payment Assistance (DPA) programs
• Maintain consistent communication with clients, agents, and internal teams
• Submit complete and accurate loan files to processing
• Attend weekly loan and product training sessions
• Stay up to date with mortgage guidelines, compliance, and market trends
• Deliver exceptional customer service from application through closing

Minimum Qualifications

• Active NMLS License (Required)
• Active State Mortgage License(s) (in applicable states)
• Minimum 2+ years of experience as a Mortgage Loan Originator / Loan Officer
• Proven book of business or referral network
• Strong knowledge of:
• • Income calculation (W-2, self-employed, tax returns)
  • Loan structuring and underwriting basics
  • Credit analysis
• Strong sales, communication, and relationship-building skills
• Ability to work independently in a remote environment

Preferred Qualifications

• Bilingual (Spanish preferred; other languages a plus)
• Experience with Non-QM loan products
• Established relationships with real estate agents, builders, or financial professionals
• Experience using LOS, CRM systems, and digital marketing tools
• Strong pipeline management and closing ability

Licensing & Certifications

• NMLS Unique Identifier (Required)
• State Mortgage Loan Originator Licenses (Required)
• Compliance with SAFE Act requirements
• Ongoing NMLS Continuing Education (CE) compliance
• Familiarity with agency guidelines such as Fannie Mae and Ginnie Mae

Compensation

• 100% Commission-Based – Uncapped EarningsCompensation Plan
• Unique Front and Back
• Competitive payout structure designed for high producers
• No cap on income—earn based on your production and performance

What We Offer

• Wide range of loan programs + DPA options
• Fannie Mae / Ginnie Mae approved lender with no overlays
• Ability to broker Non-QM loans Dedicated in-house Processing & Underwriting
• Advanced LOS system, CRM, and marketing software
• Scenario Desk for deal structuring support
• Mentorship from experienced Regional Managers
• Weekly training to keep you competitive
• Fully remote work environment with flexible schedule

Why Loan Officers Choose Obsidian

• Faster closings with fewer conditions
• Strong backend support so you can focus on production
• Flexibility to run your business your way
• Access to more loan solutions = higher approval rates

Company Description

At Obsidian Mortgage, we are redefining the mortgage experience through professionalism, speed, and innovation. As a fully delegated lender licensed in 36 states, we empower our Loan Officers with the tools, support, and flexibility needed to succeed in today’s competitive market.

We provide a remote-first environment, cutting-edge technology, and a strong internal support system so you can focus on what matters most—closing deals and building relationships.

Company Description

At Obsidian Mortgage, we are redefining the mortgage experience through professionalism, speed, and innovation. As a fully delegated lender licensed in 36 states, we empower our Loan Officers with the tools, support, and flexibility needed to succeed in today’s competitive market.\r\n\r\nWe provide a remote-first environment, cutting-edge technology, and a strong internal support system so you can focus on what matters most—closing deals and building relationships.