Job Description

We pay extremely high commission splits to our quality, self-sustaining and self-generating Mortgage Loan Originators.  

WHY JOIN THE #1 TEAM AT EMC:

• High commission split with no padding on wholesale rates and discounted pricing form our top lenders
• Great wholesale pricing with Key Account status from UWM and other leading lenders
• Ability to build teams and receive long term residual income
• No origination or lender fees to our clients
• Fast turn times, our average file is clear to close in 14 calendar days or less
• Multi-state Licensing (26 states + 3 pending)
• Complete onboarding training
• Inside support forums to get your questions answered
• Weekly Team Huddle call on various sales and training topics
• 1099 pay structure
• Direct Deposit

WHO WORKS WELL IN THIS MODEL:

• Seasoned professionals who already have referral sources established (we do not train new brokers or provide leads)
• MLO’s switching from small brokers who do not receive volume discounts or Key Account perks, volume always wins
• MLO’s switching from retail and correspondent who no longer enjoy losing deals to brokers (no fees at EMC, substantially lower pricing)
• MLO’s switching from retail and correspondent who realize that since they self-generate their own business, they deserve the highest splits in the industry
• MLO’s who no longer wish to attend training sessions from Regional and Branch Managers who try to convince them that rates don’t matter, and service is all that counts (even though the underwriting turn times are often 5 times longer what brokers have)
• MLO’s who now realize that “brokers don’t have control over the file” is a lie.  How about a 7-day submit to clear to close for control?

MARKETING AND TOOLS:

• Personal Websites, 3 different options for online applications
• Mobile App that allows the client and realtor to generate their own preapproval letter
• Brand 360 – full marketing and client relationship experience.
• Brand Builder – create completely customizable marketing materials.
• Client Connect – completely automate your borrower communications
• EMC Connect – on demand support community
• Marketing Calendar- schedule social media posts up to 30 days in advance
• Automated Surveys to all closed clients
• Discounted Continuing Education
• Client Loyalty Manager
• Much More

PRODUCTS AND PROGRAMS:

• Run DU and LP with one click, pick the one that’s best for your loan
• Elite and Discounted Mortgage Insurance
• All Fannie, Freddie, FHA, VA, USDA, Reverse and HELOC’s on the market
• Nationwide HELOC
• Many outlets for Niche and Non-QM Programs
• Competitive Jumbo

PROCESSING SUPPORT:

All commissioned based senior processors who are just as motivated to get a clear to close as you are.  Processors call the clients, clear all conditions and get the deal done ahead of schedule. Junior processors run AUS on every file for you.

REQUIRED:

• Licensed Mortgage Loan Originator
• One or more years of experience in mortgage originations
• Proven success as a loan officer, originator, banker or wholesale account executive
• Well-developed understanding of mortgage sales and closing procedures
• Confident communication skills via phone and webcam
• Passion and work ethic to keep getting better every day

Company Description

E Mortgage Capital is a family-owned and operated business. The principal owners are childhood friends that have a combined 40 years of extensive experience in the mortgage industry. Each brings their unique talents and strengths to the company. This approach allows them to focus their attention on different aspects of the business to better serve their team members.