Mortgage Loan Originator

  • Job Tracking ID: 512491-512746
  • Job Location: Jacksonville, FL
  • Job Level: Mid Career (2+ years)
  • Level of Education: High School/GED
  • Job Type: Full-Time/Regular
  • Date Updated: December 14, 2015
  • Years of Experience: 2 - 5 Years
  • Starting Date: December 1, 2015
  • Salary: Base Draw and Commissions

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Job Description:


First Option Mortgage is looking for experienced mortgage loan originators in the Jacksonville, FL area, with previous sales success to sell and close Conventional, FHA, VA and USDA residential home loans through our in-house, mortgage banking platform.


Responsibilities include:


  • Advise new and existing customers on various loan programs based on their financial needs and current rates
  • Obtain and analyze financial and credit data
  • Negotiate terms and conditions of loans with applicants
  • Act as primary liaison between borrowers, outside entities (realtors, title and escrow officers, etc.), and other company employees to facilitate a prompt and efficient loan closing
  • Remain current on trends and developments in the local real estate market, as well as changing rules and regulations pertaining to both private and government-insured mortgages
  • Manage personal pipeline to ensure service standards and financial goals are met
  • Consistently work in accordance with departmental sales and service standards
  • Transact business in conformance with state and federal regulations such as RESPA, HMDA and Fair Lending Practices.



  • We fund our loans as a Mortgage Banker or Lender with large, Tier-1 Investors
  • Highly-competitive commission structure with a monthly draw guarantee
  • Superior pricing and product placement through our online, real-time pricing engine
  • Close loans in 21 Days
  • In-house mortgage operations team (processing, underwriting, closing, etc.) to ensure your loans get through the system fast and clean the first time
  • Top-notch marketing and advertising programs that bring qualified clients directly to you
  • Hands-on sales management to provide continual education and sales training



  • Medical, Dental, and Vision Insurance Plans for employees and family
  • Voluntary Term Life Insurance and Accidental Death and Dismemberment Insurance Plans
  • Voluntary Long-Term Disability Insurance Plan
  • 401(k) Retirement Plan
  • Flexible Spending Accounts
  • Employee referral program that rewards you financially for referring top-performing employees
  • Monthly top branch performer incentives


Experience and Skills:

  • Must be licensed as a Mortgage Loan Originator (MLO) per the S.A.F.E. Act requirements
  • Bachelor’s degree in business, finance or equivalent work experience required
  • Stong book of business and demonstrated sustainable results in Loan Origination
  • 2-5 years of relevant mortgage origination and loan structuring experience (preferred)
  • Experience collecting and analyzing borrower income
  • Strong analytical, mathematical, and negotiating abilities
  • Excellent oral and written communication skills
  • Ability to multi-task
  • High level of integrity and trust
  • Team-player with selfless attitude
  • Professional demeanor and attire
  • Proficient with all MS Office applications (Word, Excel, Outlook, etc.)
  • Proficient in Loan Origination systems, Encompass 360 Perferred