Mortgage Loan Originator- Full Time

Who We Are

• We are a local mortgage brokerage with the mission of providing borrowers the lowest possible rates and the fastest/best customer service experience.
• Lendexa Mortgage caps company compensation resulting in lower rates to the borrower.
• Our business is built on trust. Trust is obtained from our clients and borrowers by keeping the entire loan process transparent.
• Using the most advanced technology, we can streamline the process, close loans faster, and at a lower cost.
• We believe in a consultation first approach with our clients. We focus on sound advise and standing behind our word.
• In a world where systems and box checkers dominate, Lendexa Mortgage prides itself on availability, personal communication and educating both our borrowers and referral partners before and throughout the process.
• We are currently licensed statewide in the following states: North Carolina, South Carolina, Georgia and Florida (See disclaimer for license info)

Who We Are Not

• We will not hire an active/licensed real estate agent as a Mortgage Loan Originator.
• We do not believe in MSA's
• We are not a P&L model. We do not promise 275 Bsp and then make you as the MLO pay for nearly everything you need to function. (On average MLO's produce less on this model, make less than our offering and have a harder time selling the rates and pass through fee's typically associated with this model).

Skills and Requirements

• 1 year Mortgage Loan office experience with proven production in last 12, 6, and 3 months required.
• Current registration under the National Mortgage Licensing System and Registry.
• Excellent communication, problem solving, and customer service skills.
• Must be available and on call for clients after hours and weekends.
• On average, the candidate should have closed 3MM in purchase production in the most recent 12 months or 1.5MM in the last 6 months. (Or equivalent units- This is roughly 1 loan per month).
• Must maintain annual production of 2.5MM once onboarded. Grace period will be given in the first six months.

Compensation

• 90 Bsp for your first 4MM in self sourced production for the calendar year.
• 160 Bsp for self sourced production over 4MM in any calendar year.
• 10 Bsp annual bonus on all self sourced production if you successfully fund 5MM in the calendar year. (Must be an active employee at the time of payout and have maintained an average of 500k in fundings in the last two months of the year).
• 50 Bsp LOA fee on all house accounts.
  • All Borrower Paid fundings at time of loan submission are to be closed in broker name and you will work and be paid as LOA on these files.
  • All company provided loans and leads are house accounts and to be closed in broker name. You will be paid as LOA on these files.
• 50 Bsp payout on HELOC and HE-LOANS
• $10,200 max compensation.
• All MLO's are 100% commission and paid w2.
• Payroll is direct deposit and run daily.
• 401k with company match- Fully Vested from day one
• Health insurance, Dental/Vision available after three months. (No company contribution to health insurance is available for sales at this time).

What we Offer

Our goal is to offer you the tools and resources needed to increase your current production levels. Below is a list of the tools and support that we will provide you to accomplish this goal.

Tech Stack- No cost to you

• CRM- Bonzo
• LOS- ARIVE
• Credit- Advantage Credit
• WVOE- Advantage Credit
• Pricing engine- Loan Sifter/ARIVE
• Business intelligence- Real Estate Track Record: RETR
• Video and Graphic design services- Flocksey
• Full Service Concierge to help borrower with their move. This coincidentally helps your agents save time. (Internet/Cable, Utilities, Insurance, Moving, Forwarding mail, Packing supplies).
• E-card- Blinq
• Email- Gmail
• Microsoft Office for MAC
• Cloud based VPN for up to two devices- Perimeter81
• Malware- Sentinal one
• Company Website and personal landing page
• Hand written cards for closed clients- Handywritten
• Company issued Macbook Air, Apple wireless keyboard and Mouse
• Rentention tools- Homebot and Stikkum (triggers on closed pipeline)

Support- No cost to you

• In house processing
• In house closer
• Compliance- One Rose Consulting
• Regular support/reviews with top producing MLO to hold you accountable
• Product education
• Assistance with complicated files and pre approvals
• Planned Daily activity list to help grow your production
• In house Sales Contests for big ticket items and vacations
• Monthly Open House Raffles for Flatscreen TV
• HR Admin through third party
• Over 20 lenders to work with and signing up more regularly
• Annual AML training paid for by company

Solutions

• Traditional Programs: Conventional down to 620, VA to 550, FHA 550, USDA 580, JUMBO,

  Renovation: 203k and Homestyle per AUS. (Govt solutions with no overlays)

• NON-QM: Bank stmt, 1099, Investor DSCR, No Ratio investment and primary, Fix & Flip, Multi Family Commercial up to 8 units DSCR (Apartments), Foreign National, JUMBO, HELOC/HE-LOAN, Recent Credit Event. (We do not broker land, Construction to Perm, and/or true single use Commercial (Except up to 8 Unit residential space DSCR).

Important Information regarding your application

• If you do not have a resume, you can go to https://www.nmlsconsumeraccess.org and find your license and employment history by doing an NMLS search on yourself. Retrieve and save your license and employment history in PDF format and upload this in place of your resume.
• Makes sure to provide most recent 12 month and 6 month production in units and Volume or you will not be considered.

Disclaimer:

Lendexa Mortgage LLC Supports Equal Housing Opportunity. Lendexa Mortgage is an Equal Opportunity Employer. Company NMLS ID #1913848 | Lendexa Mortgage LLC is licensed by NC License/Registration#B-186863, SC#1913848, FL License/Registration#MBR5152, GA Company GRMA#1913848. All information is deemed reliable but not guaranteed. Neither mortgage company or website company shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Full compensation agreement to be provided at time of job offer and is subject to change until then. Information subject to change without notice. This is for informational purposes only and not an offer of employment. Lendexa Mortgage LLC is a Mortgage Broker and not empowered to lend. All loans are arranged through third party lenders. Remote MLO will report to corporate branch located at 227 W 4th Street, Office 123, Charlotte, NC, 28202, some state license restrictions may apply.