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, and structure. With consistent production, even one loan per month may position a loan officer toward six-figure earning potential. 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. 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 Apply tot his job Apply To this Job