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Independent Mortgage Jobs (NOW HIRING)

United Financial

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Independent Mortgage Broker

Los Angeles, CA · Remote

$100K - $300K/yr

Option 2: Independent Mortgage Broker (Self-Paid) Headline: Independent Broker | 80 % Commission Split (Up to 205bps+) | Remote The Opportunity: You generate your own business--why give away half ...

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Independent Mortgage information

How much income to qualify for a $200,000 mortgage?

For an independent mortgage professional, qualifying for a $200,000 mortgage typically requires a gross income of about $60,000 to $80,000 annually, assuming a standard 30-year fixed loan with a 20% down payment and a debt-to-income ratio of 36-43%. Lenders also consider credit score, employment history, and existing debts when assessing qualification. Maintaining strong financial documentation and a good credit profile can improve approval chances.

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%. For a $500,000 mortgage, this could translate to $2,500 to $5,000 in commission, though actual earnings depend on the broker's agreements and the lender's policies.

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, depending on the lender and compensation structure. Loan officers may also receive a base salary plus bonuses for closed loans.

What is an Independent Mortgage Advisor?

An Independent Mortgage Advisor is a professional who helps clients find and secure mortgage loans from a wide range of lenders, rather than being tied to a specific bank or lender. They assess your financial situation, recommend suitable mortgage products, and guide you through the application process. Because they are independent, they can offer unbiased advice and have access to a broader selection of mortgage deals, potentially helping you find better terms or lower rates.

What is the difference between Independent Mortgage vs Mortgage Loan Officer?

AspectIndependent MortgageMortgage Loan Officer
CredentialsTypically requires licensing and certifications like NMLSRequires licensing and certifications like NMLS
Work EnvironmentOperates independently or with brokerage firmsWorks for banks, credit unions, or mortgage companies
Employer & Industry UsageUsed by independent brokers and mortgage firmsEmployed by lending institutions
Search & Comparison IntentOften compared for independence and flexibilityCompared for employer type and sales approach

Both roles require licensing and work within the mortgage industry, but an Independent Mortgage typically operates independently or through brokerage firms, offering more flexibility. A Mortgage Loan Officer usually works directly for a bank or lending institution, focusing on specific employer policies. Understanding these differences helps in choosing the right career path or employer in the mortgage industry.

What is the highest paying job in the mortgage industry?

In the mortgage industry, senior roles such as Mortgage Vice Presidents, Chief Mortgage Officers, or Regional Managers tend to have the highest salaries, often exceeding six figures annually. These positions typically require extensive experience, leadership skills, and industry knowledge, and may involve overseeing multiple branches or departments.

What are some typical challenges faced by independent mortgage brokers when building a client base?

Independent mortgage brokers often face the challenge of establishing a strong network and gaining clients without the brand recognition of a larger firm. Building trust with real estate agents and potential borrowers requires consistent outreach, excellent customer service, and staying knowledgeable about a wide range of lending products. Additionally, brokers must keep up with regulatory changes and market fluctuations to offer the best solutions. Success in this role often comes from persistence, effective marketing, and developing a reputation for reliability and expertise.

What are the key skills and qualifications needed to thrive as an Independent Mortgage Broker, and why are they important?

To thrive as an Independent Mortgage Broker, you need a thorough understanding of lending regulations, mortgage products, and financial analysis, typically supported by relevant licenses such as the NMLS. Familiarity with loan origination software, credit assessment tools, and customer relationship management (CRM) systems is essential. Outstanding negotiation, interpersonal, and organizational skills help build trust with clients and efficiently manage multiple transactions. These competencies are crucial for matching clients with suitable loan products, ensuring compliance, and growing a successful brokerage business.
More about Independent Mortgage jobs
What cities are hiring for Independent Mortgage jobs? Cities with the most Independent Mortgage job openings:
What states have the most Independent Mortgage jobs? States with the most job openings for Independent Mortgage jobs include:
What job categories do people searching Independent Mortgage jobs look for? The top searched job categories for Independent Mortgage jobs are:
Independent Mortgage jobs near you
Infographic showing various Independent Mortgage job openings in the United States as of July 2026, with employment types broken down into 66% Full Time, 17% Part Time, 6% Temporary, and 11% Contract. Highlights an 83% In-person, and 17% Remote job distribution.
Independent Mortgage Broker

Independent Mortgage Broker

United Financial

Los Angeles, CA • Remote

$100K - $300K/yr

Contractor

Posted 17 days ago

Be Seen First

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Job description

Now Hiring: Mortgage Brokers
United Financial | Remote + Hybrid Options | Nationwide
Ready to run your own business?
We’re offering an unmatched opportunity for licensed Brokers to plug into our powerful platform with access to elite tools, lead support, and backend systems.

Option 2: Independent Mortgage Broker (Self-Paid)

Headline: Independent Broker | 80% Commission Split (Up to 205bps+) | Remote

The Opportunity: You generate your own business—why give away half your commission? This program is built for the self-sufficient Broker who wants maximum payout with access to institutional-grade pricing on tech and leads.

Requirements:

  1. License Requirement: Must hold 3 active state licenses.
    1. Mandatory: CA and FL.
    2. Plus, one additional state from: AZ, CO, OR, TN, VA, WA.
  3. Self-sourcing capability (this is a self-gen role).

The "Independent" Package:

  1. Aggressive Comp: 80/20 Split in your favor (Up to 205bps+)
  2. Lead Access: Access our vendor partnerships for discounted lead pricing.
  3. Flexible Tech: Pay only for what you use (Monthly recurring).
  4. CRM, LOS, Power Dialer, Support Systems

Why United Financial?

  1. Autonomy: 100% independent. Work your hours, your way.
  2. Product Depth: Access to Non-QM, Bank Statement, and full Agency suite.
  3. Low Costs: Credit pulls are reimbursed through escrow upon loan funding.
  4. Fast Pay Outs: receive payment from loan in only coupe of days – no need to wait for 2 paychecks every month

We specialize in Non-QM Loans, Conventional, FHA, VA, Bank Statement loans, and more.

Currently licensed in AZ, CA, CO, FL, OR, TN, TX, WA, VA

Company Description

United Financial is a full-service mortgage lender offering all products available on the market for both home refinance & purchase. Our mission is to redefine the mortgage experience by offering solutions that break away from traditional norms. We prioritize integrity, clear communication, and efficiency, ensuring you know exactly what to expect from the start. Enjoy some of the industry's most competitive rates and fastest turn-times, all backed by our expertise. We specialize in a wide range of mortgage products, including Conventional, Jumbo, FHA, VA, Reverse, HELOC, and Non-QM options. Whether you're looking to refinance or purchase a home, we have the experience to guide you through the process seamlessly.