Remote | 200+ BPS Commission | Access to 100+ Lenders

Build Your Career With More Ways to Say Yes.

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

At Modern Valley Home Loans, we give experienced loan officers access to competitive pricing, a wide range of mortgage programs, and responsive support so you can serve more borrowers, strengthen referral relationships, and close with confidence.

If you’re looking for more options for clients and more opportunity for your career, let’s talk.

Why Join Modern Valley Home Loans?

• Compensation that rewards your production. Earn 200+ BPS on closed and funded loans, subject to your compensation agreement.

• 100+ lenders to help you compete. Find solutions across a broad lender network instead of letting limited product options stand between your borrower and a closing.

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

• Remote flexibility. Build your business and stay connected with clients and referral partners from your remote workspace.

• Processing. Access third-party processors to help coordinate documentation and move loans toward closing.

• Access to lender expertise. Connect with lender account executives for scenario guidance, product questions, and file support.

• Marketing resources to support your growth. Access flyers, social media materials, CRM tools, and other resources to help you stay visible and follow up consistently.

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

More Solutions for More Borrower Needs

Serve homebuyers, homeowners, self-employed borrowers, and real estate investors with programs including:

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

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

• VA: Eligible veterans and service members may qualify with no down payment.

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

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

• Down Payment Assistance: Programs to help eligible buyers cover upfront costs.

• DSCR Investment Loans: Qualify primarily using the property’s rental income.

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

• New Construction: Financing to build primary homes and investment properties.

• HELOCs: Revolving credit secured by your home’s equity.

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

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

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

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

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

• Assess borrowers’ financial needs and identify appropriate mortgage solutions.

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

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

• Explain loan options, requirements, and next steps to borrowers.

• Coordinate with lenders, underwriters, optional third-party processors, and closing partners.

• Provide timely updates and respond promptly to client and partner inquiries.

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

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

• Stay current on loan programs, lender guidelines, and applicable lending requirements.

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

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

• Experience originating residential mortgage loans.

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

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

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

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

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

• Ability to work independently in a remote environment and manage multiple loan files.

• A self-motivated approach to developing referral relationships and growing a pipeline.

• Commitment to ethical lending, borrower confidentiality, and applicable.

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