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First Home Mortgage Jobs (NOW HIRING)

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First Home Mortgage information

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$39K

$42.5K

$45K

How much do first home mortgage jobs pay per year?

As of Jul 15, 2026, the average yearly pay for first home mortgage in the United States is $42,500.00, according to ZipRecruiter salary data. Most workers in this role earn between $41,000.00 and $44,000.00 per year, depending on experience, location, and employer.

How much does a mortgage broker make on a $500,000 mortgage?

Mortgage brokers typically earn a commission based on a percentage of the loan amount, often around 0.5% to 1%, which would be $2,500 to $5,000 on a $500,000 mortgage. Their income can also include fees or bonuses, and it varies depending on the broker's experience, the lender, and the loan complexity.

What is a First Home Mortgage?

A First Home Mortgage is a type of home loan specifically designed to help first-time homebuyers purchase their first property. These mortgages often come with special incentives, such as lower down payments, reduced interest rates, or assistance programs to make homeownership more accessible. Eligibility requirements usually include being a first-time buyer and meeting certain income or credit criteria. Many government or state programs offer support for these types of mortgages. It's important to research available options and work with a lender who specializes in first-time homebuyer programs.

Is first home mortgage legit?

First Home Mortgage is a recognized mortgage lender that provides home loan services. It is a legitimate company operating within industry standards, and job roles such as mortgage loan officer require licensing and compliance with financial regulations.

What are some common challenges faced by loan officers working at a first home mortgage company?

Loan officers at first home mortgage companies often face challenges such as guiding first-time homebuyers through complex application processes, addressing concerns about credit scores, and helping clients understand various loan products. They must stay updated on changing lending regulations and market conditions while maintaining clear communication with both clients and underwriters. Effective multitasking and strong customer service skills are crucial for handling paperwork, meeting deadlines, and ensuring a smooth closing process.

What is the difference between First Home Mortgage vs Mortgage Loan Officer?

AspectFirst Home MortgageMortgage Loan Officer
CredentialsLicensing, mortgage originator licenseLicensing, mortgage originator license
Work EnvironmentMortgage company, retail or direct lendingBank, mortgage brokerage, or lending firm
Industry UsagePrimary lender role, company-specificSales and client-facing role, industry-wide
Search IntentCompany-specific info, job opportunitiesRole responsibilities, career info

First Home Mortgage is a specific mortgage lending company, while a Mortgage Loan Officer is a role found across various lenders, including banks and brokerages. The Loan Officer is responsible for guiding clients through the mortgage process, whereas First Home Mortgage is a company that employs such officers. Both require licensing and involve client interaction, but their scope differs: one is a company, the other a role within multiple organizations.

How much does a loan officer make on a $500,000 loan?

A loan officer typically earns a commission or fee based on the loan amount, often around 0.5% to 1% of the loan. For a $500,000 mortgage, this could translate to $2,500 to $5,000 in commissions or fees, depending on the lender and compensation structure. Loan officers may also receive a base salary plus bonuses for volume and performance.

What are the key skills and qualifications needed to thrive as a Mortgage Loan Officer at First Home Mortgage, and why are they important?

To thrive as a Mortgage Loan Officer, you need a deep understanding of mortgage products, lending regulations, and financial analysis, typically supported by a valid NMLS license and experience in mortgage lending. Familiarity with loan origination systems (LOS), credit analysis software, and customer relationship management (CRM) tools is essential. Strong interpersonal skills, attention to detail, and the ability to clearly communicate complex financial information help set top performers apart. These skills ensure accurate loan processing, regulatory compliance, and positive client experiences throughout the home-buying process.

Will MLO be replaced by AI?

Mortgage Loan Officers (MLOs) play a key role in guiding clients through the home loan process, and while AI tools can assist with tasks like data analysis and document processing, they are unlikely to fully replace MLOs. Human judgment, interpersonal skills, and regulatory knowledge remain essential in mortgage lending. AI may augment the role but not eliminate the need for licensed professionals in the near future.
More about First Home Mortgage jobs
What states have the most First Home Mortgage jobs? States with the most job openings for First Home Mortgage jobs include:
What job categories do people searching First Home Mortgage jobs look for? The top searched job categories for First Home Mortgage jobs are:
First Home Mortgage jobs near you
Infographic showing various First Home Mortgage job openings in the United States as of July 2026, with employment types broken down into 1% As Needed, 76% Full Time, 20% Part Time, and 3% Contract. Highlights an 87% Physical, 1% Hybrid, and 12% Remote job distribution, with an average salary of $42,500 per year, or $20.4 per hour.

Mortgage Loan Officer (NMLS Licensed) - Inhouse

FocusOne Mortgage Solutions

Houston, TX • On-site

$24K - $150K/yr

Full-time

Posted 14 days ago

Job description

FocusOne Mortgage | Northwest Houston/Jersey Village | Full-Time | Hybrid
About the Opportunity
FocusOne Mortgage Solutions is growing, and we are looking for experienced, licensed Mortgage Loan Officers to join our team in the Jersey Village/Cypress area of Northwest Houston.
One of the strongest advantages of this role is access to inbound mortgage leads from multiple credit union partners. These credit union member opportunities create a strong foundation for production, while Loan Officers are also encouraged to develop referral relationships and bring self-sourced business.
FocusOne handles a wide variety of mortgage solutions, including portfolio, brokered, FNMA/conventional, and government loan programs. FocusOne Mortgage Solutions is currently licensed in Texas, Louisiana, New Mexico, and Oklahoma with expansion into additional markets underway.
If you are a self-starting Licensed Loan Officer who enjoys helping borrowers purchase their first home, upgrade their current home, refinance, or find their forever home, we would enjoy having you apply for our team.
Responsibilities
  • Respond promptly to inbound mortgage leads from multiple credit union partners, FocusOne business channels, customer inquiries, referral partners, and self-sourced contacts.
  • Consult with prospective borrowers to understand homeownership goals, financing needs, credit profile, income, assets, and timeline; analyze information and advise on appropriate loan options, pricing, guidelines, documentation requirements, and next steps.
  • Originate accurate loan applications, gather supporting documentation, and structure complete files for efficient submission to processing.
  • Maintain consistent communication with borrowers, credit union partners, Realtors, referral sources, title companies, Loan Officer Assistant support, and internal operations teams from application through closing.
  • Manage pipeline activity, follow up on outstanding items, monitor milestones, and coordinate with processing, underwriting, closing, and management to resolve file issues promptly.
  • Build productive credit union partner and referral relationships, maximize inbound lead opportunities, develop self-sourced business, and maintain current product, guideline, licensing, HMDA, and compliance knowledge.
Qualifications
  • Active NMLS license required; candidates must maintain licensing in good standing and obtain additional state licenses as business needs require.
  • Minimum 2 years of successful residential mortgage loan origination experience preferred.
  • Experience with purchase, refinance, first-time homebuyer, move-up buyer, portfolio, brokered, conventional/FNMA, and government loan products preferred.
  • Strong sales, consultative communication, customer service, phone, and relationship-building skills, with the ability to manage inbound credit union partner leads and self-sourced opportunities.
  • Strong understanding of mortgage guidelines, disclosures, documentation requirements, credit, income, asset analysis, and pipeline management; Encompass or another Loan Origination System and Microsoft Office experience preferred.
  • Detail-oriented, organized, accurate, self-motivated, ethical, and able to manage multiple borrowers, referral sources, deadlines, and loan files simultaneously; High School Diploma or GED required; Spanish/English bilingual skills preferred.
What We're Looking For
The ideal candidate is someone who:
  • Enjoys consultative sales and helping borrowers make confident home financing decisions.
  • Responds quickly to inbound credit union partner leads and follows up consistently.
  • Builds trust with borrowers, credit union partners, and referral sources while taking ownership of their pipeline.
  • Communicates clearly, works well with the team, and maintains integrity, accuracy, professionalism, and a positive work ethic.

Position Details
Department: Mortgage Originations
Location: Jersey Village/Cypress Area / Northwest Houston
Reports To: Sales Manager
Position Type: Full-Time
Licensing: Active NMLS license required; state licensing maintained as required
Market Coverage: Currently licensed in Texas, Louisiana, New Mexico, and Oklahoma, with expansion into additional markets
Lead Sources: Multiple inbound credit union partner lead channels, FocusOne business channels, referral relationships, and self-sourced opportunities
Loan Products: Portfolio, brokered, FNMA/conventional, and government loan programs
Schedule: Monday-Friday, with flexibility required based on borrower, partner, and business needs
Work Environment: Professional mortgage originations environment serving credit union members, referral partners, and self-sourced clients
About FocusOne Mortgage Solutions
FocusOne Mortgage Solutions is part of FocusOne, a trusted lending solutions provider serving credit unions and their members across the country. Since 1998, FocusOne has been committed to helping credit unions better serve their members through innovative lending solutions, exceptional service, and strong operational support.
Our mortgage team works closely with credit union members and referral partners to provide a seamless home financing experience while maintaining the personalized service and trusted relationships that credit unions are known for. We value teamwork, accountability, professionalism, ethical lending, and a commitment to delivering outstanding results for borrowers and credit union partners.
If you're looking to join a growing organization with strong inbound credit union partner lead opportunities, a broad product menu, and a team focused on helping borrowers achieve their homeownership goals, we'd love to hear from you.
Apply today to join the FocusOne Mortgage Solutions team.

Apply