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Debt Consultant

Lake Forest, CA · On-site

$100K - $350K/yr

Ladder Loans Location: Lake Forest, CA (In-Office) Compensation: Hourly vs. Uncapped Tiered ... Remote flexibility is a performance-based privilege earned through consistency and production, not ...

Generations Home Loans

Home Loan Consultant

Marysville, WA · Remote

$100K - $300K/yr

Generations Home Loans is seeking Home Loan Consultants who are passionate about helping buyers make confident financing decisions while building strong, referral-based relationships in the real ...

Generations Home Loans

Home Loan Consultant

Elk Grove, CA · Remote

$100K - $300K/yr

Generations Home Loans is seeking Home Loan Consultants who are passionate about helping buyers make confident financing decisions while building strong, referral-based relationships in the real ...

Generations Home Loans

Home Loan Officer

Roseville, CA · Remote

$100K - $300K/yr

Compensation may range from $100000 - $300000 yearly or more based on performance and experience. ABOUT: Why Generations Home Loans * Defined purchase partnerships with Windermere Real Estate and ...

Generations Home Loans

Home Loan Consultant

Park City, UT · Remote

$100K - $300K/yr

Generations Home Loans is seeking Home Loan Consultants who are passionate about helping buyers make confident financing decisions while building strong, referral-based relationships in the real ...

Generations Home Loans

Home Loan Consultant

Marysville, WA · Remote

$100K - $300K/yr

Generations Home Loans is seeking Home Loan Consultants who are passionate about helping buyers make confident financing decisions while building strong, referral-based relationships in the real ...

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How much do home based ladder loans jobs pay per hour?

As of Jun 9, 2026, the average hourly pay for home based ladder loans in the United States is $21.73, according to ZipRecruiter salary data. Most workers in this role earn between $16.59 and $24.28 per hour, depending on experience, location, and employer.

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

To thrive as a home-based loan officer, strong knowledge of mortgage products, lending regulations, and financial analysis is essential, typically supported by a relevant degree and state licensure. Proficiency with loan origination systems, customer relationship management (CRM) software, and secure document management tools is commonly required. Excellent communication, self-motivation, and organizational skills help professionals build client trust and manage remote workflows effectively. These skills ensure accurate loan processing, regulatory compliance, and strong customer satisfaction in a home-based lending environment.

What is the difference between Home Based Ladder Loans vs Home Based Mortgage Brokers?

AspectHome Based Ladder LoansHome Based Mortgage Brokers
CredentialsLoan officer licenses, financial certificationsMortgage license, financial certifications
Work EnvironmentRemote, client meetings, loan processingRemote, client consultations, loan origination
Industry UsageLoan products, financial institutionsMortgage lending, real estate industry
Search & ComparisonLoan options, home loans, financial adviceMortgage rates, home buying, refinancing

Home Based Ladder Loans and Home Based Mortgage Brokers both operate remotely within the financial and real estate sectors, requiring similar certifications. While Ladder Loans focus on providing specific loan products, Mortgage Brokers assist clients in securing various mortgage options. Understanding these differences helps clients choose the right professional for their home financing needs.

What are Home Based Ladder Loans?

Home Based Ladder Loans are a type of loan arrangement that allows homeowners to borrow against the equity in their home through a series of staggered, incremental loans rather than taking out a single lump sum. This structure is designed to provide borrowers with flexibility, as they can access additional funds over time as needed, often at predetermined intervals or as they meet certain conditions. The 'ladder' aspect refers to the step-by-step nature of borrowing, which can help manage debt more efficiently and potentially reduce interest costs. These loans are typically used for home improvements, large expenses, or consolidating other debts, and are best suited for those who prefer controlled access to their home's equity.

What are the typical daily responsibilities of a home-based loan officer at Ladder Loans?

As a home-based loan officer at Ladder Loans, you can expect to spend your days reviewing loan applications, communicating with clients to gather necessary documentation, and assessing borrower eligibility. You’ll coordinate with underwriters, processors, and other team members via digital platforms to ensure applications move smoothly through the approval process. Managing your time independently, staying organized, and maintaining regular virtual touchpoints with both clients and colleagues are crucial for success in this remote role.
What cities are hiring for Home Based Ladder Loans jobs? Cities with the most Home Based Ladder Loans job openings:
What are the most commonly searched types of Ladder Loans jobs? The most popular types of Ladder Loans jobs are:
What states have the most Home Based Ladder Loans jobs? States with the most job openings for Home Based Ladder Loans jobs include:
Home Based Ladder Loans jobs near you
Infographic showing various Home Based Ladder Loans job openings in the United States as of June 2026, with employment types broken down into 3% Locum Tenens, 91% Full Time, 3% Part Time, and 3% Nights. Highlights an 87% Physical, 1% Hybrid, and 12% Remote job distribution, with an average salary of $45,199 per year, or $21.7 per hour.

Debt Consultant

Ladder Loans

Lake Forest, CA • On-site

$100K - $350K/yr

Full-time

Medical, Dental, Vision, Retirement, PTO

This job post has expired today. Applications are no longer accepted.

Job description

Debt Settlement Consultant – High-Volume Direct Mail Inbounds

Company: Ladder Loans

Location: Lake Forest, CA (In-Office)

Compensation: Hourly vs. Uncapped Tiered Commission + Daily SPIFFs + Monthly Bonuses

Schedule: Monday – Friday (Flexible 8-hour shifts)

Why Ladder Loans?

Stop chasing cold leads, buying dead lists, and dealing with angry hang-ups. At Ladder Loans, we run a sophisticated, high-performing direct mail engine that delivers warm, high-intent inbound calls straight to your desk.

Our prospects receive a physical mailer, pick up the phone, and call us looking for help. They know why they are calling, they are expecting an expert, and they carry an average of $42,000 in unsecured debt.

Even better? We feature in-house lending. If a client qualifies for a personal loan instead of settlement, you have an immediate alternative solution path to close the deal. You are set up to win from day one.

What You’ll Do (The Day-to-Day)

This is a fast-paced, high-momentum consultative sales role. You will own the relationship and the deal from introduction to enrollment:

  • Command the Inbound: Field high-volume inbound direct mail responses, establishing authority, trust, and control early in the call.

  • Consult & Strategize: Conduct deep-dive financial discovery to understand each client’s unique hardship, debt load, and timeline.

  • Deliver Solutions: Present debt settlement strategies clearly, compliantly, and persuasively, or pivot to our in-house lending options when applicable.

  • Own the Pipeline: Seamlessly guide clients through discovery, positioning, and final enrollment without losing momentum or sacrificing compliance.

Who You Are (Qualifications)

This desk is built for seasoned closers, not script-readers or beginners. We are looking for elite talent who understand the psychology of a high-balance debt client.

  • Experience: 2+ years of direct phone-sales experience specifically within Debt Settlement / Debt Relief.

  • Lead Fluency: Proven track record working with direct mail inbound leads and maximizing the value of every single call.

  • Sales Mastery: You know how to balance urgency with strict compliance, control the tempo of a call, and overcome objections naturally.

  • Drive: You have a hunter mindset, a high financial motivation, and a history of hitting or exceeding monthly enrollment quotas.

Earnings, Perks, & Logistics

We believe top performance deserves top compensation. We offer a competitive, transparent structure designed to reward your hard work:

  • Uncapped Earning Potential: Hourly wage vs. an aggressive, uncapped tiered commission structure (you always take home whichever is higher).

  • Extra Incentives: Daily SPIFFs and substantial monthly performance bonuses.

  • Work-Life Balance: Standard Monday through Friday schedule with flexible 8-hour shift options. Weekends optional.

  • Location: Modern, culture-focused office in Lake Forest, CA. Note: Remote flexibility is a performance-based privilege earned through consistency and production, not an entry-level perk.

Ready to Step Up?

If you are tired of weak lead flow and ready to leverage a direct mail engine that actually converts, we want to hear from you. Apply today to connect with our hiring team.