Miami FL Mortgage Loan Originator Jobs Remote
JOB DESCRIPTION:
US Mortgage Lenders LLC is an established Miami Florida mortgage company created in 2012 based in Hollywood Florida. Check US Mortgage Lenders out on Google. We are hiring remote Miami Florida mortgage loan originators to promote our mortgage loan programs and specialized services. We respect our loan originator’s independence and encourage them to work from home while giving them access to our systems and processes and daily Zoom support. We pay the highest commissions and provide all the specialty mortgage programs with unlimited free mortgage leads training.
HIGHLIGHTS:
- The Highest 1099 payout with up to 275bips Mortgage Loan Originator paid on closing day.
- Par Rates from the Top Wholesale Mortgage Lenders.
- 100+ Wholesale Lenders Residential/ Commercial FHA, VA, Conv, NON-QM, and Niche Lenders.
- We hire and train new mortgage loan originators by way of Zoom daily screen share training M-F.
- Unlimited Free Lead Training – we show you how to generate unlimited free mortgage leads!
- LOS – Loan Origination System Blink Provided with No additional fees or pay for Arrive, preapp1003
- Work remotely from home and process your own or hire a contract Florida mortgage processor.
- Full control of your files, call to underwriter and account reps directly for support.
- Use Advantage Credit and or rescore your borrower’s credit after using Wayfinder to analyze the score.
- Dual Agent Realtor and Florida Mortgage loan originators welcome.
Remote Job Questions and Answers (Click Here)
MORTGAGE MENU:
· 100% FHA Min 580 credit score. 2nd mortgage for 3.5% down payment. Must AUS approve!
· 1% Down up to 200k Lender pays 2% toward the 3% down payment.
· 3% Down Homeready SCPC $5000 Grant , $500 appraisal credit, $500 Home Warranty .
· 12-Months Bank Statement Only Min 575 Credit Score.
· Bank statement only loans for self employed – no tax returns needed – Up to 90%.
· FHA, VA Down to 500 Credit score with min 10%.
· NO Credit Score FHA, VA using rental history, electric, cellphone, car insurance.
· FHA/ VA Manual Underwriting
· DSCR use rental income or AirBNB.NO Prepayment Penalty on DSCR- Cash Out Up to 75%. MIN 575 Fico.
· No Income Verification Primary20% down, min 680+, 24 months reserves, avg 3-3.5 points dep on credit
· ITIN loans with No tax return we can use bank statements for income.
· Delayed financing allows Cash buyers can refinance right after they buy a house cash.
· Foreign National Loans Up To 75%.
· Condotels Up to 75% LTV.
· Land LOANS up to 65% LTV – must be zoned residential, minimum 100k loan amount.
· Blanket Loans/Cross Collateralization multiple properties on 1 note.
· Manufactured Homes with Land built after 1977 Rural Properties.
· Manufactured Homes with Land built before 1977. 2 manufactured homes or houses on one parcel.
· Waive Escrows and Insurance up to 97% for Free no hits to the rate.
· Helocks Primary, Investment homes
· Bank Statement Only 2nd mortgage.
· We advance the funds for condo questionnaire..
· 24/48 hr Approvals w/Avg 15-21 day closing for FHA, VA, Conv.
· Commercial 100% financing bad credit lenders with seller held second mortgage 50% ltv.
· No income verification commercial lenders.
· Reverse Mortgage
· Super Jumbo
Conditions apply subject to change without notice and are subject to qualifying.
LOCATIONS:
All Florida Including Miami FL, Aventura FL, Coral Gables FL, Homestead FL, Miami Beach FL, Key Biscayne, FL Gladeview, FL Homestead Miami Shores, FL Coral Terrace, FL West Little River, FL South Homestead Miami, FL Homestead Miami Springs, FL Pinewood, FL Westchester, FL Hialeah, FL Westview, FL North Homestead Miami, FL Glenvar Heights, FL
REQUIREMENTS:
- Must be a Florida NMLS licensed Mortgage Loan Originator through the NMLS.
- Must be able to work from home without being micro-managed.
- Must have Strong Phone Skills
- Strong People Skills
- Strong Sales Experience
ADVANTAGES:
- Borrowers can complete the on a cell phone or computer.
- Real-time notifications every time a borrower submits an application
- Integrate + into your website, email signature, and social media pages.
- Quick-link version to capture leads by collecting just the basic information.
- Miami FL Dual Agent Realtor and Florida Mortgage loan originators welcome.
SOFTWARE:
- Price out loans and generic disclosure packages quickly and easily.
- Preset your fees to generate fee estimates automatically.
- Run credit, e-sign documents, verify assets and download conditions.
- 3 Options Include UWM Blink, Preapp1003, and Arrive.
REQUIREMENTS:
- Must be a licensed (MLO) Mortgage Loan Originator with the NMLS.
- Must be a self-starter with sales skills and communication skills.
ONBOARDING:
- Sign the agreement, Transfer the license, get logins and start submitting.
- Process your loans while you transition.
- Onboarding includes a description of lender programs and lender recommendations.
- One on one Account rep support and training to learn new systems.
- Weekly Company and lender-provided training webinars to learn new systems and processes.
Who Must Be a Licensed Florida Mortgage Loan?
LO: Loan Originator – Chapter 494, Florida Statutes: The MLO license is required for an individual who, directly or indirectly, solicits or offers to solicit a mortgage loan, accepts or offers to accept an application for a mortgage loan, negotiates or offers to negotiate the terms or conditions of a new or existing mortgage loan on behalf of a borrower or Miami Florida lender, or negotiates or offers to negotiate the sale of an existing mortgage loan to a non-institutional investor for compensation or gain. The term includes an individual who is required to be licensed as a loan originator under the S.A.F.E. Mortgage Licensing Act of 2008.
The term does not include an employee of a mortgage broker or mortgage lender whose duties are limited to physically handling a completed application form or transmitting a completed application form to a lender on behalf of a prospective borrower.
Chapter 494, Florida Statutes – Loan Originators and Mortgage Brokers
Rule 69V-40, Florida Administrative Code – Mortgage Brokerage
Application Requirements and License Maintenance
To apply, renew or manage a license, please visit: Nationwide Mortgage Licensing System
Application Requirements
Florida Mortgage Loan Originator Renewing License
Florida Mortgage Loan Originator Forms
OFR-494-14 – Disciplinary Guidelines for Mortgage Loan Originators and Mortgage Entities
OFR-MIL-001 – Active Military Member/Veteran/Spouse Fee Waiver and Military Service Verification
OFR-494-09 – Mortgage Brokerage Deposit Account Form
OFR-494-13 – Declaration of Intent to Engage Solely In Loan Processing
Hiring in all Miami Florida municipalities:
- Miami July 28, 1896
- Homestead February 8, 1913
- Miami Lakes December 5, 2000
- Palmetto Bay September 10, 2002
- Miami Gardens May 13, 2003
- Doral June 24, 2003
- Cutler Bay November 8, 2005
- Florida City December 29, 1914
- Miami Beach March 26, 1915
- Coral Gables April 1, 1925
- Hialeah September 1, 1925
- North Miami February 1, 1926
- Opa-locka May 14, 1926
- Miami Springs August 23, 1926
- South Miami June 1, 1927
- Golden Beach May 21, 1929
- North Miami Beach June 15, 1931
- Miami Shores January 2, 1932
- Biscayne Park December 1, 1933
- Surfside May 18, 1935
- El Portal May 30, 1937
- Indian Creek Village May 17, 1939
- Sweetwater October 10, 1941
- North Bay Village August 1, 1945
- West Miami April 7, 1947
- Bay Harbor Islands April 28, 1947
- Bal Harbour June 16, 1947
- Virginia Gardens July 9, 1947
- Hialeah Gardens December 1, 1948
- Medley May 1, 1949
- Key Biscayne June 18, 1991
- Aventura November 7, 1995
- Pinecrest March 12, 1996
- Sunny Isles Beach June 16, 1997
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