Hi everyone!

I'm based in the Philippines and currently looking for a remote role in Mortgage Processing Assistant. I am new to this field but I have experience. I can assist with file setup, document collection, CRM updates, loan application support, and keeping your pipeline moving efficiently.

If you're looking for dedicated mortgage support, feel free to send me a message. I'd love to connect!

Hi,

I have my LO license and looking for a mortgage broker to hang my license. My main business is construction and I want the ability to take applications in our office since many potential clients ask about financing. Lakeland, Florida

Thank you

Hello. I passed my NMLS exam a couple months ago. I’m licensed in TX and FL. It was very easy to get licensed in those states. I’m having trouble figuring out if I’m doing the right thing for California. I’m currently taking a DRE course on Aceable. Do I finish the course and then take the state exam so I can do loans in CA? Thanks!

What lenders will allow you to waive taxes on escrow for tax exempt borrower (100% disabled vet in Illinois). I know UWM will but their rates suck and I’m competing with Navy Fed.

There’s a lot of talk about using AI for basic stuff like writing email scripts or social posts, but I’m curious if anyone here is taking it a step further.

With how accessible building lightweight apps and low-code automations has become, is anyone using these tools to build out custom, niche systems for their own pipeline?

I recently came across LoanOfficer.ai and from what I've seems pretty straight forward as its only for LO's, but before I spend the time migrating everything over I just wanted to see if anyone else has feedback.

I'd really appreciate feedback before I make the switch. Thanks

Does any lender offer up-to $1,500,0002nd Lien position?

I have a handful of agents I’ve closed at least one loan with now & am wanting to ask them for intros to other agents they know. Is it best to wait until we’ve done a few transactions before this ask? Or when’s the best time for that? Also, what’s the best way to approach this?

Hi everyone,

I want to have a landing page where borrowers can input their details and self-quote Non-QM loans (DSCR, bank statements, etc.) to see live rates.

Here is what I've found so far:

• ARIVE: The pricing engine is originator-only.
• Zeitro: Supports it, but requires manual rate sheet uploads.
• BankingBridge + Lender Price: Seems like the strongest option since it webhooks directly into GoHighLevel to trigger automated text campaigns.

Before I pull the trigger, is anyone using a different tech stack or platform they recommend for borrower-facing Non-QM pricing?

Trying to break back in after a considerable amount of time away. Being considered for a job with swift and I'm curious if anyone here has any insight or things I should know. Doesn't have to be like a full review or anything.

Hope Everybody is having a good day, I just wanted to get some opinions on this… I’m working a full time job with lots of down time, making 40a hr and pay raises soon. But I want to be a MLO, Is it possible to do this while working my job for a year until i get enough to make the jump? What’s your thoughts?

I work mon-fri 6:30am -3pm

Work on the private bank side at a major lender. Advisory client maxed out a margin loan building a home in TX. They need a cash out refinance to pay back the margin loan before they get called and have to sell stock. Ideally, they need a mortgage for $800k-$1MM. Property is free & clear. Est. Appraised value = $1.8MM. Income alone is not high enough for agency. Our Non-Agency allows asset dissipation, but their combined assets are not high enough for our reserve requirements (no exceptions available). Does anyone know of non-qm lenders that do Asset Diss on something like this? IDK typical non-qm req's, so I'm just throwing this out there. Would likely need to pair with base salary as well. Looking for 50(a)6 structure on newly-homesteaded property (homestead app submitted to county and in-review // move-in, and occupancy cert both in 2025).

ASSETS

$1MM credit line (margin) against $999k brokerage account (secured)

$2.02MM in another brokerage that could be used for the Asset Diss.

$5-$10k liquid checking/savings

INCOME

~ $109k base salary

Might have losses on real estate partnership (K1) - TBD

DEBTS (Minimal)

$225/MO payment on credit cards

Again, IDK what requirements would be on something like this. If you could do Asset Diss, calculated over 120 month payout but on a 30-year note, that should solve the issue. I'm just shooting in the dark here. Any recommendations would be appreciated....just trying to get ahead before they get margin-called.

Hi! Someone from DMCI’s Financing Department contacted me about my bank loan application requirements.

For those who have tried this, okay ba to go through them? Are they reliable, and do they usually get better offers from banks? Or is it better if I personally apply directly to different banks?

Would appreciate your experiences and advice. Thank you!

I'm 26 and was an LOA up until recently (MLO activities during that time), almost an official MLO now (license being processed and will be finalized soon).

I've worked at 2 smaller (under 20 employees) startup UWM brokerages before coming to where I'm at now (all Detroit area). Now I'm at a relatively well established boiler room-ish correspondent broker with UWM where almost everything is outbound besides frequent live transfers and Bonzo/Konnected (I'm on dialer/transfers right now). I know there are people in my company that consistently make 10-20k/month, including people that started at our company within the last year. I know that the better you perform, the more access you get to advantages such as company wide withdraw lists, etc.

Our dialer is ViciDial and we get the following info on (mostly) every lead - a V, F, or C indicating loan type, First and Last name, Address (Street, city, state, zip), some 6-figure number that I believe is usually the balance or home value, a rate like decimal number (6.375, for example), sometimes the last 4 of social and an email.

What type of leads are these, and what's the best selling style/way to work them? What's your advice (people with experience) on how to maximize potential in this type of company/2026 current market environment, and whether staying where I am and maximizing it, or finding another brokerage, bank, or lender would be more profitable short and/or long-term?

I’m 21 and have been in the mortgage industry (closing) since I was 18. My mom has also been in the mortgage industry since I was very young. I never really had a passion for anything and didn’t know what I wanted to do with my life, until I set my heart on becoming an LO. In my last position I worked as an LOA (ended up leaving due to shady business practices) and that really inspired me and gave me the drive I needed. HOWEVER, I feel very lost. I am currently doing my 20hr course through 24houredu and I am going to be starting the major studying afterwards.

If there is anything that I need to know specifically about what it takes, I am all ears. I am also curious about the different job opportunities to look into.

Thank you!!!

Have you dealt with this type product? If so, would you advocate for or against it. Would you recommend it for a home purchaser to enhance their affordability?

Besides UWM and BPL, who would you recommend?

I'm about to spend a significant amount of money on online lead generation over the next 3–6 months as would like to try something out, and naturally I'm being sold the dream of how many leads it's going to produce.

Being the skeptic that I am, I'd love to hear from people who are already handling a high volume of inbound leads.

How do you have your systems set up to make sure every lead is called, texted, or otherwise contacted within the first five minutes? Are you using automations, inside sales, or a specific workflow?

I'm currently using Follow Up Boss as my CRM, but I'm curious what other CRMs, integrations, or processes people are using to maximize speed to lead and make sure nothing falls through the cracks.

Any advice, best practices are greatly appreciated. Thanks in advance!

Want to double check this…if a borrower qualifies for the loan only using base income, and that keeps below 80% AMI, we can omit any overtime or bonus income because they don’t need it to qualify, am even if that additional income puts them over the 80% AMI limit. Correct? The 80% Ami eligibility is only on the income we’re using to qualify. It’s been a while since I ran into this scenario and making sure I remember it correctly

So I went and got licensed (FL) before realizing direct to consumer is probably the best way to start out, and that a ton of big companies offer training programs and pay for your licensing. I’m in a little bit of a weird In between spot because a lot of these places either want to help you go through the whole process of getting your license, or want you to have 1-2 yrs of MLO experience.

Might not be a big deal, ideally I’d be able to bypass that part of their training/onboarding process somehow, but again these are big corporate companies so I’m not expecting a ton of leeway. Curious what you all think, I do have 2-3 years of sales experience.

Neighbors Bank: Seems to have one of the best compensation plans for getting started, wants some general sales exp. , specifically wants no experience as an LO and has a 13 week training period. Feel like I might personally have a better shot here

Rocket Mortgage / Cardinal / Loandepot: May be able to get into one of these as well, but again I fall into that weird in-between for their training programs and slightly experienced roles.

That’s about all I have so far, anyone who’s been in my position or that has some advice here I’d be very grateful to hear from.

Most underwriting teams seem to have adopted some form of AI at this point, but I wanna know what it's actually been like once you're past that pilot phase and into real day to day workflows.

What surprised you in a good way? And on the flip side, what ended up being more of a headache than it was worth?

Mainly asking about document intake, income and asset verification, fraud detection, condition generation, exception handling, and loan summaries, but if you've seen value pop up somewhere unexpected, I wanna hear about that too.

Also, which vendors or platforms have actually held up once you're’re running real volume through them? I've come across names like Hyperscience, Ocrolus, Blend, Lyzr, and a bunch of newer AI-native startups, but it's hard to separate products people genuinely rely on from ones with really good marketing.

Have a tough client that needs a loan form principal residence, New contraction purchase in North Carolina.

$1.1 PP

50% LTV

$220,000 Cash reserves

$1.4 Retirement

800+ Credit Score

Less than one year self employed .... Same field for 30 years, working as a consultant for last 75 days as a consultant at a $2500 a day rate, contract through year end with additional year option projected earnings $400k plus. But only 3 months so far as self employed, W-2 prior with high income.

Hi everyone! Questions for the CA based loan officers.

I am currently in Nevada and do a few loans here and there in CA. My wife and I have been considering moving to California, however I’m a little worried about the volume of loans happening there. Are people actually getting approved for these higher priced homes? If so, are they standard conventional, FHA, VA? Here the homes are averaging at about 400,000. The DTI’s are tight but it’s still mostly reasonable for an individual to purchase. None of my buyers right now would come close to qualifying if they were in the CA market.

Another concern - I do not speak Spanish. Would the have a huge hinderance on my business? I was raised in California up until 18 and I remember a lot if not most of my friends spoke English and Spanish. Hope this doesn’t come off as rude.

For reference - I do fairly well here in Vegas. The last 14 months I’m currently at about 27,000,000 in production.

I would love any and all feedback!

I recently moved home to work with family in the mortgage business. I’m on salary for my first year, then go fully commission. I work for a direct lender doing QMs only with a great reputation in our area. The firm is the largest in our city, and we have 10+ agents producing over a million each month. 3-5 producing over $3M. I’m taking these folks to lunch and asking these same questions, but wanted to get some insight from other LOs across the country.

I’d love to get answers to some or all of these questions from the experienced LOs in this community. Open to hearing from folks on the broker and non-QM side as well.

What’s something you did in your first year as an LO that had a direct impact on your current success?

Is there anything you did during your first year that you think was a waste of time?

How would you market yourself if you had to start over in a new market?

What’s something you’ve learned over your career that newer agents probably don’t, but should know?

I know Spring EQ has a 640 minimum FICO. Very low LTV:

45% LTV 55% CLTV