Mortgage Loan Officer (Hourly + Commission)

Company Overview

Lending Force is a Top 25 national mortgage brokerage and a proud partner of the nation’s #1 wholesale lender, United Wholesale Mortgage (UWM). Operating out of our Troy, Michigan headquarters, we run an elite, performance-driven sales floor. We provide our originators with industry-leading technology, dedicated in-house processing, and the aggressive pricing necessary to beat retail lenders and maximize production.

Position Summary

We are seeking experienced, licensed Mortgage Loan Officers who are ready to scale their volume. We know the biggest hurdle for a top producer looking to switch brokerages is the financial risk of starting a new pipeline. To remove that risk, Lending Force offers a competitive Base Pay + Commission structure for your first 60 days. This allows you to safely transition, learn our systems, and build a massive pipeline without taking a hit to your income. Once you are ramped up, you will tap into our flat-rate commission structure fueled by live inbound transfers.

Key Responsibilities

• Inbound Sales: Field high-intent, live inbound transfers from qualified borrowers—eliminating the need to constantly self-source or chase realtors.
• Client Consultation: Quickly assess borrower needs, quote aggressive rates, and strategically structure loans to win the deal.
• Loan Origination: Pitch the rate, secure the lock, and immediately hand the file over to our elite in-house processing team to clear conditions.
• Pipeline Management: Maintain an organized, active pipeline and accurately document all communications within our CRM (Salesforce).
• Compliance: Ensure all origination activities strictly adhere to FNMA guidelines, TILA regulations, and Fair Housing laws.

Qualifications & Skills

• Licensing: Active Mortgage Loan Originator (MLO) license through the NMLS is strictly required.
• Experience: Proven track record of consistent production and closed units in mortgage origination.
• Industry Knowledge: Deep understanding of loan structuring, pricing margins, and standard underwriting guidelines.
• Communication Skills: Ability to confidently advise clients, overcome rate objections, and build immediate trust over the phone.
• Drive & Motivation: Highly motivated to double or triple your current production volume using our inbound lead platform.

Compensation & The 60-Day Ramp

• First 60 Days: Receive a guaranteed Base Pay + Commission while you transition and stack your pipeline.
• Day 61 and Beyond: Transition to our transparent 100 BPS flat payout. No hidden rollbacks, no tiered penalty structures, and fully uncapped earning potential.

Benefits, Perks & Schedule We expect high volume, but we provide a schedule and environment designed to keep you operating at peak performance.

• M-F 9:00 AM - 6:00 PM
• Comprehensive Medical, Dental, and Vision Insurance, plus a 401(k) Retirement Plan with a 4% company match.
• Troy Headquarters Perks: Access to our on-site fitness center, barber shop, hair salon, and nail salon.
• Monthly chiropractor visits, wellness pop-ups, weekly cash bonuses, and highly competitive team incentives.

Pay: $120,000.00 - $250,000.00 per year

Benefits:

• 401(k)
• 401(k) 3% Match
• Dental insurance
• Employee discount
• Health insurance
• Health savings account
• Opportunities for advancement
• Paid time off
• Referral program
• Vision insurance

Experience:

• Loan origination: 2 years (Required)

License/Certification:

• MLO License (Required)

Ability to Commute:

• Troy, MI 48084 (Required)

Work Location: In person