A license is required to be considered.

Your relationships drive your business. Your lending options should help you get the most out of them.

At Modern Valley Home Loans, we offer experienced loan officers access to competitive pricing, a broad selection of mortgage programs, and responsive support so you can serve more borrowers, build stronger referral relationships, and close with confidence.

Why Work With Modern Valley Home Loans?

• Production-based compensation. Earn 200+ BPS on closed and funded loans, subject to your compensation agreement.

• Access to 100+ lenders. Find solutions across a broad lender network rather than letting limited product options come between your borrower and a closing.

• Quick closings on eligible files. Close in as little as 10–14 days, based on lender requirements, complete documentation, and transaction readiness.

• Remote flexibility. Build your business and stay connected with clients and referral partners from wherever you work remotely.

• Processing. Work with third-party processors who help coordinate documentation and move loans toward closing.

• Lender expertise on hand. Connect with lender account executives for scenario guidance, product questions, and file support.

• Marketing resources. Use flyers, social media materials, CRM tools, and other resources to help you stay visible and stay consistent with follow-up.

• Extra borrower resources. Free client credit pulls and credit repair services may be available through a preferred lender, subject to its terms and eligibility criteria.

More Solutions for More Borrower Needs

Serve homebuyers, homeowners, self-employed borrowers, and real estate investors through programs such as:

• Conventional: Loans for primary homes, second homes, and investment properties.

• FHA: Low down payment options with flexible credit guidelines.

• VA: Eligible veterans and service members may qualify for no-down-payment financing.

• USDA: No down payment options for eligible rural and suburban buyers.

• 500 FICO Purchase & Refinance: Options for eligible borrowers with scores as low as 500.

• Down Payment Assistance: Programs that help eligible buyers with upfront costs.

• DSCR Investment Loans: Qualify mainly based on the property’s rental income.

• Bank Statement Loans: Use bank statements to verify self-employed income.

• New Construction: Financing for building primary homes and investment properties.

• HELOCs: A revolving line of credit secured by your home’s equity.

• Rate-and-Term Refinance: Replace your current mortgage to change the rate or term.

• Cash-Out Refinance: Replace your mortgage and take equity out as cash.

• Reverse Mortgages: Eligible homeowners, typically 62+, can tap equity without monthly mortgage payments; taxes, insurance, and upkeep are still required.

All programs are subject to lender guidelines and borrower eligibility. Availability depends on state, credit profile, property, and transaction.

• Build and maintain relationships with borrowers, real estate agents, and referral partners.

• Assess borrowers’ financial needs and recommend suitable mortgage solutions.

• Originate and manage residential mortgage loans from application to closing.

• Gather and review loan applications and supporting documentation for accuracy and completeness.

• Walk borrowers through loan options, requirements, and next steps.

• Coordinate with lenders, underwriters, third-party processors (when used), and closing partners.

• Provide timely updates and promptly answer client and partner inquiries.

• Improve and maintain your pipeline through outreach, follow-up, and relationship development.

• Track client communications and loan progress in CRM and mortgage systems.

• Stay up to date on loan programs, lender guidelines, and applicable lending requirements.

• Maintain accurate records, protect borrower information, and adhere to company policies.

• Active Mortgage Loan Originator (MLO) license in at least one of these states: Alabama, Florida, Kansas, Michigan, Ohio, Texas, or Virginia.

• Proven experience originating residential mortgage loans.

• Solid knowledge of mortgage products, underwriting guidelines, and the loan process.

• Ability to review borrower documentation and identify suitable financing options.

• Strong relationship-building, communication, and customer service skills.

• Excellent organizational skills, attention to detail, and reliable follow-through.

• Comfort working with loan origination software, CRM systems, and digital communication tools.

• Ability to work independently in a remote setting and manage multiple loan files at once.

• A self-motivated approach to building referral relationships and growing your pipeline.

• Commitment to ethical lending, borrower confidentiality, and compliance with applicable regulations.

At Modern Valley Home Loans, we believe getting a mortgage should come with clear guidance, personal attention, and a team that cares. We help homebuyers, homeowners, and real estate investors find financing that fits their needs, with access to 100+ lenders across Alabama, Florida, Kansas, Michigan, Ohio, Texas, and Virginia.

Equal Opportunity

We value the different backgrounds, experiences, and perspectives people bring to our team. Modern Valley Home Loans is committed to equal opportunity and a welcoming, respectful workplace where everyone has the opportunity to succeed. We consider qualified applicants without regard to race, color, religion, sex, pregnancy, sexual orientation, gender identity, national origin, age, disability, veteran status, or any other characteristic protected by applicable law.

Modern Valley Home Loans, LLC | NMLS ID #2636235