Remote Mortgage Loan Originator

Want a mortgage career with more flexibility and the ability to make more money? Are you bending over backwards or beating your head against the wall with your current lender / broker? Want a career where being good at making friends and building relationships can help you make more? Ocean Capital Lending, LLC gives you full control over your own pipeline and the freedom to determine your own success. There is no reason to tell clients you are not able to offer that loan product. Join our growing team of mortgage professionals today who believe that your earnings should definitely match your effort. You are always the best resource for your borrowers. Say yes to more of your borrowers today and make more money with a direct lender and real partner built for your success!

Our GOAL:
Help you grow your business (Marketing Materials - print, web and social).
Provide you unlimited training - assistance available when you need it (online screen-share)!
Support & Technology - in house processors who go the extra mile - (Online LOS, CRM, 24/7 Application that works for you while you sleep).
No monthly fee's, No Tiers, No BS YOU pick your comp!
Recruitment overrides
Volume based bonus
Expense account

Job Description:

Loan Originator partners are responsible for originating/generating residential (1st, 2nds, and combo's) and commercial mortgage loans for clients. Providing customized lending solutions to complete client short and long term goals and needs. Implement mortgage planning solutions. This position requires strong communication skills along with a willingness to provide exceptional customer service in a fast-paced team environment.

Responsibilities:

Specific tasks will include, but are not limited to, the following:

Complete client interview, 1003 and timely compliant disclosures on LOS, IDS/Doc Magic
Complete/Assist loan applicants with online loan applications
Issue accurate pre-approval letters
Retrieve Credit, DU/LP, Title, Flood, Appraisal, 4506t, and all other 3rd party reports required
Develop and maintain strong relationships with Clients, Referrals, Realtors, Title Companies, CPAs, Attorneys and Builders.
Find the right loan solution for your clients among a wide variety of banker and broker products
Advise, coach and educate your client throughout the entire loan process
Deliver fast turn times and outstanding customer service
Retrieve all required documents and conditions as soon as possible in order to close the loan
Upload completed files onto the company platform as per corporate policies

Qualifications:

A desire to accelerate your career and have an entrepreneurial spirit
Ability to network and motivate
Exceptional communication, computer and customer service skills
MS Office Suite and Adobe
College preferred
Receive and maintain NMLS License

The mortgage originators will maintain minimum standards for production and quality. He/she is responsible to originate and close quality loan volume through sales and marketing activities. All origination and business development activities must be compliant and consistent with all company policies.

Payout outs up to 225 bps. Position is a 100% W2 commission employee position.

What you can do with us!

Direct Lender/Banker Options

FNMA/FHLMC Conventional, HomeReady, Home Possible, HomeOne, Conventional high-balance in all counties $679,650 up to 90%. MI Split, Single, Monthly and financed options OK (Icon top tier rates)
VA Standard, VA Jumbo, USDA
Jumbos up to $3,000,000 (Icon top tier rates)
Doctor loans up to 95% LTV
Combo loans up to 95% (2nds/Helocs)
Condos, Non-warrantable, Condotel
Portfolio 1 day out of BK/NOD up to 85%, Credit scores down to 580
Fix/Flip, Bridge, Small Balance Commercial, Multifamily, Construction

Broker Options

Jumbos up to $25,000,000, Full/Alt doc, Asset Depletion
Construction/Perm - Max $25M, Spec/Builder Sold Construction
Foreign Nationals/ITIN 50 - 90% LTV, LLCs/Cross-Collateral/Blanket loans
Self-Employed Bank Statement Income up to 90% LTV
FHA/VA Construction to Perm 96.5%/100% LTC, Conventional 95% LTC
Stretch LTV Financing, Land/Lot Financing
Stated Income Investment, Co-ops, Business Purpose Loans
FHA Down to 500, No Fico or Alternative Credit OK!
FHA 203k Rehab (SFR, townhome, condo, mobile/manufactured)
HUD Homes $100 down
Reverse Mortgages
VA Down to 500 fico
Fannie/Freddie Rehab
FHA/Conventional Manual Underwrites
Rehab (Fix/Flip) and Rental Loans

Commercial

Acquisition, Rehab, Bridge, Construction, Mezzanine, JVs, Preferred Equity, Value-adds, HUD, SBA 504/7a, Non-Recourse, Small Business/Balance Loans, Cross-Collateral, No Maximum Loan Size

You name it you can do it when partnered with Ocean Capital Lending, LLC Don't Say no I can't do that AGAIN! - Asset Depletion loans, Bank Statement Loans, Construction Loans, Fix & Flip Loans, Down Payment Assistance Loans, Hard Money Loans, Foreign National Loans, Land Loans, Manufactured Home Loans, Mobile Home Loans, Non QM Loans, Portfolio Loans, Reverse Mortgage Loans, Stated Income Loans, Conventional Loans, FHA Loans, USDA Loans, VA Loans, Hobby Farm Loans - The list goes on, on and on!

120 S Olive Ave Ste 311, West Palm Beach, FL 33401 | O: 800-895-7174 | F: 800-771-0985 | www.oceancapitallending.com - NMLS ID: 392165

Job Type: Commission

Salary: $0.00 to $300,000+ /year