Licensed Loan Officer - Consumer Direct

Responsibilities

• Work high-intent inbound leads - no cold calling, just real conversations with ready-to-act borrowers.
• Connect via phone, text, and email to guide prospects through the loan process with clarity and confidence.
• Educate and advise borrowers on products that fit their goals - whether it's purchase, refi, or cash-out.
• Analyze credit and financial data to match customers with the right solution.
• Present pricing and terms in line with company standards and compliance requirements.
• Drive repeat and referral business through exceptional service and follow-through.

Requirements

• You hold an active NMLS license and have 1+ year of experience originating loans in a consumer-direct model.
• You're a closer - driven by performance, motivated by commission, and wired for results.
• You thrive in a fast-paced, tech-enabled environment and know how to manage a high-volume pipeline.
• You're passionate about helping people make smart financial decisions and delivering a 5-star experience.
• Experience with Encompass is a plus - but hustle and heart matter more.
• Why You'll Love Lower
• Best-in-class leads delivered daily - plus top-tier comp for any business you bring in yourself.
• A brand built on trust: 20K+ five-star reviews across Google, Zillow, LendingTree, and Facebook.
• Training that actually matters - weekly sessions to sharpen your skills and stay ahead of the curve.
• A culture that rewards performance and celebrates impact.
• What You'll Get
• Competitive commission structure with uncapped earning potential
• Full benefits: medical, dental, vision, paid holidays, PTO, parental leave
• Life insurance, short- and long-term disability, 401(k) with company match
• Corporate wellness program
• Employee discount on home mortgage purchases and refinances
• Where You'll Work
• Join us at our Columbus HQ at 711 N High Street - right in the heart of the Short North district.
• Want to close more loans with less friction? Let's talk. Apply now and see what it's like to work at a company that's built for loan officers - by people who get it.
• This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.
• Privacy Policy

Benefits

Additional Information

Here at Lower , we believe homeownership is the key to building wealth , and we're making it easier and more accessible than ever. As a mission-driven fintech , we simplify the home-buying process through cutting-edge technology and a seamless customer experience . With tens of billions in funded home loans and top ratings on Trustpilot (4.8), Google (4.9), and Zillow (4.9) , we're a leader in the industry. But what truly sets us apart? Our people. Join us and be part of something bigger. Job Description: Ready to take your mortgage career to the next level? If you're already thriving in a direct-to-consumer lending environment , you know the formula: high-quality leads, fast tech, and a company that backs you with real support. At Lower , we've perfected that model - and we're looking for licensed loan officers who want to close more deals, earn more, and make a bigger impact.

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