Independent Mortgage Loan Originator (Loan Officer)
• Directly soliciting, originating Mortgage Loans, on behalf of the Fairview Financial
• Directly or indirectly negotiating or counseling applicants about Loan interest rates and the application process
• Requires thorough knowledge of FHA, VA, Conventional, USDA and Non-Conforming/commercial mortgage products
• Establishing and maintaining client referral relationships with previous clients, realtors, accountants, financial planners, builders, and developers to develop new business or retain existing business
• Receiving, collecting and distributing information provided by the applicant to the Company’s (LOS) Processing and Underwriting Department
• Originating Loans only in the state where the MLO and the Branch Office is licensed
• Remaining familiar with and ensuring that all loans originated by and actions on behalf of the Employee are handled/taken in accordance with the Company’s policies, guidelines, quality control, applicable federal, state, and local laws, and investor guidelines
• Ensuring that all proper documentation is prepared, kept and maintained in accordance with all applicable laws, and is readily available for inspection at Company’s discretion
• Ensuring that all advertising and marketing is done only with the pre-approval of Fairview Financial, and that all telemarketing is performed in accordance with Company guidelines for use of the Do Not Call list and is in compliance with Federal and State rules
• Ensuring that all websites or other social media used by the Employee that relates in any way to financing residential real estate are approved by Fairview Financial prior to posting Ensuring that all borrowers are advised of the most appropriate financing options, and are not steered to products based on maximizing compensation, and are only advised to close loans if there is a good faith basis to believe that the borrower will be able to re-pay the loan