Job Brief: Meet with new and existing clients to take applications for residential mortgage loans; engage in marketing efforts to build client base and increase business; work with the operations staff to facilitate the processing and closing of mortgage loans; stay current on mortgage laws, rules and regulations and maintain individual licensing in good standing at all times.  We offer some of the best pay, benefits, and have access to some of the best pricing in the industry.  Come to work with a growing Broker Direct Lender. that gives you all of the tools that you need to succeed.  Including a full support Marketing Team, Coaching, Front End & Backend Support.  Lets grow your business together!

Responsibilities:

• Meet with borrowers to take applications for purchase and refinance transactions. • Engage in marketing efforts to increase business, client and referral base. • Pull the borrower(s) credit report(s), copy borrower documentation; put file in proper stacking order; pre-qualify the borrower; quote price according to Loan Originator pricing guidelines and input the information into approved LOS. • Work with the processor and other operations staff to facilitate the quick and smooth closing of the transaction. • Communicate with realtor and borrower on any additional needs and status updates. • Lock the loan with the Secondary Marketing Department. • Meet with processor on a routine basis to review pipeline. • Meet continuing education requirements as required by each state and the NMLS. • Attend training as required by Streamline Home Loans from time to time. • Keep current on FHA/VA/USDA/Conventional changes and guidelines as communicated by underwriting or operations or external sources. • Ensure that an environment of teamwork is maintained at all times. • Maintain the highest possible level of customer service. • Interface with other departments as necessary to ensure the smooth operation and growth of the Organization. • Other duties as assigned


Skills Required:

• Minimum of 2 years of mortgage and/or sales experience preferred. • Minimumly closes an average of 2-3 loans per month. • Greater than 80% of our production are purchase transactions. • Communicates challenges and opportunities to Manager. • Ability to be flexible, multi-task and organize priorities in a fast paced work environment, while maintaining a high level of focus and accuracy. • Effective verbal and written communications skills • Knowledge of mortgage industry practices and regulations • Strong analytical skills, combined with sound judgment and decision making abilities • High level of professionalism and ability to maintain confidentiality • Strong customer service values and the ability to deliver a high level of responsiveness to both internal and external customers • High level of computer literacy • Maintain knowledge and adhere to all regulations and compliance standards on internal and external policies. • The desire and ability to abide by our four pillars of: Advocacy, Excellence, Integrity, and Accountability. The requirements listed above are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions

Become A Loan Officer with Element Home Loans, a division of NFM Lending

Element Home Loans is the newest Division of NFM Lending, the national leader in innovative home lending. Element is structured to provide success for employee and client stakeholders not available in existing competitors. We combine significant financial backing from a large national company with a creative, boutique culture. Element Home Loans is a company that listens to our expert staff and has the resources to take you to rapid and sustainable success.

Loan Originator Benefits and Advantages

• Competitive Pricing and Closing Costs
• Robust Brand Development and Marketing
• Flat, Local Management Structure
• Weekly Coaching and Career Development
• Unlimited Upside Income Potential
• Easy On-Boarding
• In-House Underwriting and Processing
• Compliance Support
• Licensing Support
• Great Health Benefits
• Direct Seller to Fannie Mae, Freddie Mac, and Ginnie Mae

We are hiring individuals that want to take their business to the next level –  Element Home Loans provides a blank canvas for you to create a successful business. We understand that there is no one right way to accomplish your goals and are committed to listening to your specific needs to help grow your business now and in the future.

Who We Are

Element Home Loans is an award-winning, multi-state residential mortgage lender currently licensed in 42 states. Element Home Loans focuses on assisting consumers in obtaining a residential loan that meets their needs while ensuring that they are receiving exemplary service throughout the process. Element Home Loans is dedicated to streamlining the loan process in order to shorten the time from loan application to closing without sacrificing service, quality, or compliance. Our company operates on a platform of high standards, while always putting honesty, integrity, and ethics at the highest level of importance.

Mission Statement

Element is dedicated to remaining an innovative industry leader by providing our customers with exceptional service and open communication throughout the loan process, working together as a passionate and reliable team, and supporting the communities we serve.

Core Values

• Service- We WOW our clients.
• Innovation- We design and implement improved processes, systems, and technology integration.
• Teamwork- We drive towards our goals together, it’s the path to our greatest results.
• Excellence- We push ourselves beyond the expected.

History

David Silverman and his wife, Sandy, founded NFM Lending in 1998 in Baltimore, Maryland with four Loan Originators. The company has since grown to an award-winning, multi-state residential mortgage lender. Silverman currently serves as CEO and, along with President Jan Ozga, fosters a culture of family and sound business practices. NFM’s corporate operations currently reside in Linthicum, Maryland, close to BWI Marshall airport. 

Element Home Loans is known as America’s Common Sense Lender because we start every new transaction by getting to know the client’s unique financial situation. Beginning with the basics of listening and learning about the people we serve lets us help our clients choose the best mortgage product. The result is customer satisfaction. Our common sense lending philosophy also supports the economic health of our company and the national housing market. 

Community Involvement

Element Home Loans recognizes that a successful company is not only responsible for exceeding their client’s satisfaction; it is also responsible for creating a positive impact on the communities it services. Visit our Element C.A.R.E.S. page to see a history of our community involvement, as well as our current projects.

Company Awards

• Top Work Places (2019 – 2020) – The Baltimore Sun
• Top Mortgage Employer (2015 – 2017, 2019, 2020) – National Mortgage Professional Magazine
• Top 100 Mortgage Companies in America (2013, 2015 – 2018) – Mortgage Executive Magazine
• Top 50 Best Companies to Work For (2013 – 2016, 2018) – Mortgage Executive Magazine
• Top Work Places (2018 – 2020) – The Washington Post
• Top Mortgage Lenders (2012, 2013, 2017, 2018) – Scotsman Guide

• 100 Most Influential Mortgage Executives in America (2013 – 2016) – Mortgage Executive Magazine
• #1 Mid-sized Company (2015) – The Baltimore Sun
•  Top Private Companies in the Baltimore Area (2014) – Baltimore Business Journal
• One of the Fastest-Growing Private Companies (2013) – Baltimore Business Journal
• Best Places to Work – Finalist (2019) – Baltimore Business Journal