Job Overview

At Rateplicity, we believe getting a mortgage should be simple. We use modern technology and a proven four-stage process to make the mortgage journey easier for both our clients and our team.

Our system guides clients through each step of the loan process, reducing paperwork and delays. This allows our loan officers to spend less time on administrative tasks and more time helping clients and closing loans.

By combining technology with personal service, we create a faster, smoother, and more efficient mortgage experience.

Website: https://www.rateplicity.com/

Why Work With Us

• Competitive commission plans with earning potential of up to 100% of broker compensation, subject to the applicable compensation agreement.
• Employee referral bonus opportunities.
• Proprietary support and loan management system.
• Access to industry-leading mortgage technology and automation tools.
• Access to a diverse range of conventional, government, non-QM, jumbo, DSCR, and foreign national mortgage products.
• Flexible remote work environment with no mandatory office hours.
• No monthly fees and no compensation caps.

Key Responsibilities

• Build and maintain a strong referral network through marketing, prospecting, and professional relationships.
• Originate mortgage applications accurately and efficiently.
• Evaluate borrowers’ financial information, credit profiles, and mortgage eligibility.
• Review loan documentation and identify appropriate financing solutions.
• Present loan options, explain terms, and guide borrowers through the mortgage process.
• Deliver exceptional customer service from initial consultation through closing.
• Maintain current knowledge of mortgage products, lender guidelines, and applicable regulations.
• Utilize ARIVE loan origination software to manage applications and monitor loan progress.
• Collaborate with internal processing teams, lenders, and third-party service providers to facilitate timely closings.
• Maintain accurate records and ensure compliance with applicable federal and state mortgage regulations.

Skills & Qualifications

• Active NMLS mortgage loan originator license and required state authorization.
• Minimum 3 years of mortgage loan origination experience.
• Strong understanding of residential mortgage products and lending regulations.
• Proven ability to develop referral relationships and generate mortgage business.
• Excellent communication, negotiation, and customer service skills.
• Strong organizational skills and attention to detail.
• Ability to work independently in a remote environment.
• Experience with ARIVE or comparable loan origination software preferred.
• Experience with non-QM, DSCR, and foreign national mortgage products is an asset.

Compensation & Schedule

• Compensation: Commission-based, with potential annual earnings of $60,000 or more depending on production.
• Commission Structure: Competitive compensation arrangements with earning potential of up to 100% of broker compensation, subject to applicable agreements and regulatory requirements.
• Schedule: Flexible, with no mandatory office hours.
• Work Location: Remote.

What We’re Looking For

We are seeking experienced, self-motivated mortgage loan officers who want the flexibility to build their business while benefiting from modern technology, a streamlined mortgage process, and a broad range of lending solutions.

The ideal candidate is proactive, client-focused, and comfortable developing referral relationships while independently managing their mortgage pipeline.

Our technology-driven platform is designed to reduce administrative work, improve efficiency, and allow loan officers to focus on generating business, serving clients, and closing loans.

How to Apply

Interested candidates should email their resume to info@rateplicity.com with the subject line Mortgage Loan Officer Application.

Please include a brief introduction outlining your mortgage origination experience, states in which you are licensed, primary mortgage products, and experience with DSCR, non-QM, or foreign national loans.

Only candidates selected for an interview will be contacted.