Licensed Mortgage Loan Officer

A license is required to be considered.

Your relationships drive your business. Your lending options should help you get the most out of them.

At Modern Valley Home Loans, we offer experienced loan officers access to competitive pricing, a broad selection of mortgage programs, and responsive support so you can serve more borrowers, build stronger referral relationships, and close with confidence.

Why Work With Modern Valley Home Loans?

• Production-based compensation. Earn 200+ BPS on closed and funded loans, subject to your compensation agreement.

• Access to 100+ lenders. Find solutions across a broad lender network rather than letting limited product options come between your borrower and a closing.

• Quick closings on eligible files. Close in as little as 10–14 days, based on lender requirements, complete documentation, and transaction readiness.

• Remote flexibility. Build your business and stay connected with clients and referral partners from wherever you work remotely.

• Processing. Work with third-party processors who help coordinate documentation and move loans toward closing.

• Lender expertise on hand. Connect with lender account executives for scenario guidance, product questions, and file support.

• Marketing resources. Use flyers, social media materials, CRM tools, and other resources to help you stay visible and stay consistent with follow-up.

• Extra borrower resources. Free client credit pulls and credit repair services may be available through a preferred lender, subject to its terms and eligibility criteria.

More Solutions for More Borrower Needs

Serve homebuyers, homeowners, self-employed borrowers, and real estate investors through programs such as:

• Conventional : Loans for primary homes, second homes, and investment properties.

• FHA: Low down payment options with flexible credit guidelines.

• VA: Eligible veterans and service members may qualify for no-down-payment financing.

• USDA: No down payment options for eligible rural and suburban buyers.

• 500 FICO Purchase & Refinance: Options for eligible borrowers with scores as low as 500.

• Down Payment Assistance: Programs that help eligible buyers with upfront costs.

• DSCR Investment Loans: Qualify mainly based on the property’s rental income.

• Bank Statement Loans: Use bank statements to verify self-employed income.

• New Construction: Financing for building primary homes and investment properties.

• HELOCs: A revolving line of credit secured by your home’s equity.

• Rate-and-Term Refinance: Replace your current mortgage to change the rate or term.

• Cash-Out Refinance: Replace your mortgage and take equity out as cash.

• Reverse Mortgages: Eligible homeowners, typically 62+, can tap equity without monthly mortgage payments; taxes, insurance, and upkeep are still required.

All programs are subject to lender guidelines and borrower eligibility. Availability depends on state, credit profile, property, and transaction.