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

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. 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.

Obsidian Financial Services

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