Job Description
Job Title: Loan Originator
Location: Madera, CA & Fresno, CA
Job Type: Commission Only
Division: ZABE Mortgage Group, a division of Golden Empire Mortgage (GEM)
About Us
ZABE Mortgage Group, a division of Golden Empire Mortgage (GEM), is not your typical mortgage company. We’ve spent over 25 years helping Loan Originators grow, stay consistent, and scale with purpose. GEM has been a respected name in the mortgage industry for nearly 30 years, rooted in the belief that all consumers deserve access to credit—and that our clients are our business. We’re not here to micromanage. We’re here to support you with real tools, mentorship, and systems that drive results.
Let’s Be Honest
If you’re closing 1–2 loans a month and feeling stuck, it’s probably not your effort—it’s your support system. Some companies hand you a login and call it “support.” We call that babysitting. We build brands, offer mentorship, and move files forward with purpose.
What You’ll Get at ZABE
✅ Proven systems and structure that remove guesswork and boost efficiency
✅ Full-time Loan Originator Assistant and processing team to keep files moving
✅ Smart CRM and lead system — no cold calling or chasing
✅ Daily mentorship from a Sales Manager who closes 300+ loans annually
✅ Personal brand support and a full marketing strategy tailored to you
✅ In-house underwriting, disclosures, and funding — no bottlenecks
✅ A collaborative, high-performance team culture that’s always leveling up
Essential Responsibilities
• Originate residential mortgage loans through self-generated leads and referrals
• Spend at least 50% of time outside the office building referral relationships and networking
• Conduct pre-qualification interviews and guide borrowers through the application process
• Evaluate financial information and recommend appropriate loan products
• Submit loan files for processing and underwriting within company timelines
• Lock in rates and programs when requested
• Maintain compliance with investor, legal, and company policies
• Cultivate professional relationships with realtors, builders, and referral partners
• Stay current on all company lending products, policies, and regulations
What We’re Looking For
• Active NMLS license through CA-DFPI
• Minimum 1 year of recent residential lending experience
• Bilingual (English/Spanish) preferred
• Strong communication and organizational skills
• Client-focused and solutions-driven
• Self-starter who actively builds business
• Drive, consistency, and a strong desire for professional growth
Ready to Stop Doing It All Alone?
Let’s talk. If you're ready for the support, systems, and mentorship that actually move the needle, apply now or email fdorado@zabemortgage.com to start a real conversation.
Compensation Disclosure
This is a commission-only position. The expected commission range depends on loan amount, structure, and volume. Actual compensation will vary based on individual performance, commission structure compensation agreement, and market conditions.
Employment Status
This position is classified as at-will employment in accordance with California law. Employment may be terminated by either the employer or employee at any time, with or without cause or notice, subject to applicable law.
Work Location
This is a field-based role. Loan Originators are expected to spend 50% or more of their time networking, meeting with clients, and conducting business outside the office. ZABE Mortgage Group’s primary office is in Madera, CA, but flexible arrangements may be available.
Equal Opportunity Employer
ZABE Mortgage Group and Golden Empire Mortgage are Equal Opportunity Employers. We celebrate diversity and are committed to creating an inclusive environment for all employees. We do not discriminate on the basis of race, color, religion, sex (including pregnancy, childbirth, or related medical conditions), gender, gender identity or expression, sexual orientation, marital status, national origin, ancestry, age, physical or mental disability, medical condition, genetic information, military or veteran status, or any other characteristic protected under federal, state, or local law.
Reasonable Accommodations
ZABE Mortgage Group is committed to providing reasonable accommodations for qualified individuals with disabilities during the application or recruitment process. If you need assistance or accommodation, please contact us at HR@gemcorp.com.
California Consumer Privacy Notice
ZABE Mortgage Group, a division of Golden Empire Mortgage, may collect personal information from job applicants for purposes related to employment consideration. We are committed to handling your information in compliance with the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA). To learn more about how we collect, use, and protect your information, please review our Privacy Policy https://gemcorp.com/page/privacy-notice .