Mortgage Loan Officer (1099) — Growth-Focused | Coaching | Multiple Programs | AI-Powered

Company Description

Golden Gate Realty & Finance Inc is a full-service real estate and mortgage brokerage based in the San Francisco Bay Area, combining more than two decades of business leadership with the agility of a modern, tech-driven platform.

We offer a comprehensive range of loan programs — including Conventional, Jumbo, FHA, VA, USDA, Non-QM, DSCR investor loans, and specialty lending solutions — serving homebuyers, homeowners, and real estate investors nationwide.

Our platform is designed for speed, clarity, and execution. Clients can access online mortgage quotes, pre-qualification tools, automated pre-approval workflows, digital loan applications, and innovative Non-QM programs tailored to complex scenarios.

With a customer-first mindset and deep lending expertise, Golden Gate Realty & Finance delivers an efficient, transparent, and seamless financing experience.

Role Description

This is a remote, independent-contractor role for a Mortgage Loan Officer (1099).

The Mortgage Loan Officer will:

• originate and structure mortgage loans

• guide clients through options and strategies

• analyze income, credit, assets, and property scenarios

• collaborate with processors, underwriters, lenders, and real estate partners

• maintain trusted client relationships from first call to closing

You will also benefit from:

• daily training and coaching support

• AI-powered marketing and client-management tools

• access to top national wholesale lenders

• Non-QM and advanced lending solutions for complex borrowers

Compensation potential:
On certain transactions, compensation may exceed $10,000+ depending on loan size, program type, and file structure.
With consistent production, even one closed loan per month may position you for a six-figure annual income.

Important disclosure:
Earnings are not guaranteed. Actual results vary and depend on individual effort, follow-through, market conditions, quality of relationships, and strict adherence to lending regulations and company compliance standards.

Important disclosure:
Income is not guaranteed. Results vary based on effort, consistency, market conditions, relationship building, and full compliance with lending regulations.

This role is ideal for growth-minded professionals who value education, integrity, advisory-style service, and long-term relationships.

What we provide (designed for your long-term success)

• Access to a wide variety of loan programs
Conventional, Jumbo, FHA, VA, Non-QM, DSCR and specialty programs

• Daily online training — free
Short, practical sessions focused on real deals, scripts, compliance, and mindset

• From zero to productive
Structured onboarding that takes new loan officers from beginner to confident and capable

• Advanced producer development
For committed producers, we sponsor on-site training trips with lenders at their campuses

• AI tools training — marketing, follow-up, client management
We guide you to use AI the right way — to write marketing content, organize pipelines, communicate clearly, and automate routine work — so your business becomes more efficient and you stand out in the industry

• Free E&O coverage
Even as a 1099 independent contractor, you are protected on every file

• Industry-leading commission structure
Transparent, simple, and built to reward performance

• Coaching beyond loans
Free coaching on tax planning and wealth planning — so you not only earn more, you also keep more and build long-term stability

• High-quality lead opportunities
We provide qualified opportunities and tools — your job is to follow up, build trust, and match clients to the right programs

• Health & life support guidance
We help you navigate health-insurance options so you can focus with peace of mind

• Retirement guidance
We help you think ahead about retirement structures appropriate for independent professionals

• Licensing support
If you don’t yet have your NMLS license, we’ll help guide you through the process

Qualifications

• Proven experience as a Mortgage Loan Officer or mortgage lending professional

• Knowledge of underwriting guidelines and loan structuring

• Strong client-service orientation and relationship-building ability

• Excellent communication, organization, and follow-through skills

• Comfortable using digital mortgage platforms and AI-driven tools

• Ability to work independently in a remote environment

• Active NMLS license (or willingness to obtain)

• Experience with Non-QM or diverse borrower profiles preferred, but not required