I am a third-party processor and I am trying to work grow my business and work with new loan officers. Is there a website that can pull the names of originators by state? I am already familiar with NMLS Consumer Access.

I have a borrower currently in a hard money loan who wants to keep the property as a rental. They’re looking to cash out at 80% LTV using bank statements.
The catch is they’ve only owned the property for about 3 months.
Does anyone know of a lender or program that allows:
- 80% LTV cash-out
- Bank statement qualification
- Investment property
~3 months seasoning
Or am I chasing a unicorn? Appreciate any recommendations.

Hello everyone I’m 23M and soon to get my MLO license. I’ve been working a security job and I made 38k last year. I live at home with my parents so I don’t have any bills except 400 for my car note. I’m excited to start and I set a goal to earn 55k my first year. Does anyone have a tips to starting out

Not selling anything and not recruiting just sharing in case it saves someone the headache I went through.

I finally built a working Arive + GoHighLevel integration and a full set of automations on top of it. The loan status flows from Arive into GHL so the pipeline mirrors the actual stage automatically (Application Sent → Qualification → Pre-Approved → Loan Setup → Submitted to UW → Clear to Close → Funded) — no more dragging cards by hand.

On top of the sync, I built automations for these cases:

• Speed-to-lead — instant text + email the second a lead comes in, with EN/ES branches.
• No-answer follow-up — multi-touch sequence that stops the moment they reply.
• Appointment reminders + no-show recovery.
• Application abandoned follow-up.
• Objection nurtures  tag why a lead can't move forward (credit repair, down-payment saving, debt paydown, selling current home, spouse coordination, waiting on taxes, etc.) and each reason runs its own long-term drip + a reminder task, so nothing goes cold.
• Auto stage transitions a hot lead that goes quiet auto-drops to long-term nurture, and a target date/rate trigger pulls them back to hot when they're actually ready.
• Refi rate watcher  set a target rate per past client; when the market hits it, you get pinged and the client gets a heads-up.
• Post-close nurture review requests + loan-anniversary check-ins.

Took a ton of trial and error (GHL's workflow builder has real quirks if/else branches don't converge, triggers behave weird, etc.). If any of this is something you've been trying to set up, happy to answer questions on how I structured it.

I'm curious how other loan officers are getting into real estate offices to do lunch-and-learns or team meetings.

Around me, it feels like almost every productive brokerage already has an in-house lender. Keller Williams offices have CrossCountry or Keller Williams Mortgage, Century 21 and Coldwell Banker often have Guaranteed Rate, and many of the other larger brokerages have their own preferred lender as well.

I've spent hours calling local brokerages, but the response is almost always the same—they already have someone handling their meetings and presentations.

For those who have been successful breaking into these offices, what strategies have actually worked? How are you getting the opportunity to do lunch-and-learns or present to agents when the office already has an established in-house lender?

Any LOs work there and how do you like it

Hey all--

Been a long-time lurker of this subreddit -- I actually read it just about every day. Feel free to remove this post if it isn't appropriate for the community, just not sure where else to turn with this question and wanted to see if anyone could provide some perspective.

I'm an attorney practicing in a completely non-finance, non-housing area of law. Totally not related to this world. My current job is great, and I'm not looking to move jobs in the near future. Wouldn't even start considering a change for about 1.5-2 years at minimum.

Anyway, I bought a house last year and just really loved the financing aspect of it. Just really nerded out on it and learned everything I could, from origination, all the way to MBS. I've had an interest in consumer finance since law school (secured transactions and bankruptcy were my favorite classes) but I'm also not at all a hard numbers person (I got a 2 on the AP Calc exam, which ended my mathematics study haha).

But ever since the home purchase, following this world has become a daily hobby. I check Mortgage News Daily every day, not just for the rates but the write-ups on what's going on in the market and also his updates about players in the market and what's going on. I read about the conferences going on and think, "wow, I'd love to attend that." (I KNOW. It's weird).

I think for me what is the most interesting are the transitions from origination to aggregator/wholesaler to, eventually, MBS (agency or private label). The plumbing of it all. I also really am fasincated by servicing -- the aggregator's decision to retain or sell, MSR investment and hedging, the decision to subservice, and the whole regulatory environment surrounding it (especially for Agency MBS servicing).

I know this is all very vague -- and I feel awkward even posting it! I just have no one in my real life is even somewhat associated with this world. All of this is to simply ask -- can you think of a role for an attorney with no formal consumer/finance experience in the lifecycle of mortgages? Is there any role you deal with (from day 1 up to MBS management) that would seem like a good match for someone in my position? Like I said, it's like a whole world I'm interested and learned so much about, but at the same time, don't know much about the day-to-day. I'm not even necessarily looking for an attorney role -- I could be perfectly happy in a role that is not the practice of law and instead just lends itself to the skills of an attorney.

It's been over a year now and clearly, this is more than a passing interest. I read the this subreddit and the Mortgages subreddit daily and never find it dull. Just wondering if this might actually be a possible career passion, but wondering if there's anywhere I would fit in. For the record, I don't think being an MLO would be for me -- I'm just not really a sales person and I'm not at a point in my career where hustling for business from the ground up appeals to me. I'd rather just stay where I am now instead of doing that. But I'm open to hearing more.

Thanks in advance for any suggestions/wisdom/kind words, etc. Cheers.

Any DSCR lenders that can do 80 LTV cash out, SFR, vacant but recently rehabbed?

Hey All,

The company I work for is a team of LOs, currently under one brokerage. We are possibly going to be switching to another Brokerage, but keeping ARIVE as our LOS.

ARIVE support says there is no way to transfer current database with all info / notes / docs. This seems wild to me as we are not switching LOS at all. We are being told we will need to do it manually

Has anyone found an easy way to do this without having to manually export every 3.4 and document and re-upload back into ARIVE?

Hi,

I am a broker but can not find anyone to lend on a property for a family friend who owns invesment properties all over the USA. Details as follows: Balance - 50k - 75k (multiple homes purchased seller financed) // Ivestment property (DSCR loan) but I cant find any lenders that will do these loans. please help

I passed the SAFE Exam and have my license. I want to start at a call center rocket or loan depot to learn the business. I live in Houston and it looks like they do not have any offices here. Is it possible to start out remote? Any advice would be great.

Hi all, I have a scenario I just am not quite sure how to handle. scenario:

Oil field worker, 9 months of the job
Base pay $75k
Gets paid about 50% of that in per diem whether its shop pay or field pay
Has 680 credit, low down payment, was hoping to use a state DPA but they don't seem to want the per diem.
W2 employee, not 1099

He makes decent money, is there any way to get this done QM or non QM with 10% or less down payment?

Have a client that did a fha cashout less then a year ago wants to do another cashout but can't due to 12 month seasoning he does not want to wait another 3 months, what's my options

I’m a new LO and am going to a broker - I have life responsibilities that don’t allow me to be IN an office for 40 hrs a week taking/making calls so please be nice. Any advice on how to drum up business?

Seeking mentorship as a Mortgage Loan Originator. I am few months in the business, licensed in NY, got few deals done. Now that I understand what I need to learn more this is may be the best time to hire mentor.

I’m thinking TLOP by Dustin Owen.

Has anyone taken his classes? What feedback you can give?

I am an LO and have been in a retail shop for the last year and a half. I’ve been considering a switch to a broker role building my own book of business. the only thing is i have tattoos, a nose piercings, and stretched ears. I just want to know how this could affect me building relationships with referral partners or if I’m just overthinking it. I don’t believe that looks determine knowledge outright but I’m curious to see what this community thinks.

Anyone?

I only have experience as a call center LO and though the comp is small, I still have the comfort of runnig difficult scenarios by my manager/ or loan scenario team. Of course my main goal is to have my own brokershop after I've gained enough experience but I know that I'll still run into those funky scenarios that'll stump me regardless of how many files I have under my belt. So how do you broker owners handle them if you don't have anyone else to help you?

Was offered a job as a LO, mostly focusing on VA loans. The branch is located next to a large military base with lots of military members coming/going. The office seems to be thriving and thus the need for more LOs but my biggest concern is going from a guaranteed salary to a commission only role. How long did it take for you to see decent consistent paychecks? Is it worth it as a career? I have about 3-4 months of living expenses saved just to give me a cushion just in case things are slow

What follow up strategy are you guys using to stay on your COIs radar

Hi all! I am a MLO (licensed in TX and CO) currently working for an independent firm in the DFW area. I had a connection there and got the job immediately after I earned my license back in March. However, the pay is 100% commission, and it’s an extremely laid back environment (so no training or resources, etc.) They said they would help me once I got a loan, but I’ve had no luck (which, again, means no training).

Bottom line, I have no money and something needs to change. I have no idea what I’m doing, and listening to podcasts only goes so far.

I’m thinking about applying to Rocket Mortgage, a bank, or something similar so I can have some structure and training, but is this the right move? If so, do I need to transfer my sponsorship? Any and all advice is welcome!

Need to find an 80% cash out refi DSCR with no seasoning. Doing strictly brrrr strategy with a bunch of clients and need to find this product. Anyone u know out there? Was using deep haven, but they are now requiring 6 mo seasoning

I'm a licensed life insurance agent based in Michigan, and I'm trying to get into professional referral relationships with people like estate/divorce attorneys. I'm completely new to how referral partnerships like this actually work, so I'd appreciate honest input from anyone in these fields before I go about it the wrong way.

If an insurance agent wanted to set up a referral relationship with you, where you send over a client's contact info when it makes sense and they pay you a flat fee per referral (regardless of whether it ever leads to a sale), a few questions:

• What would make a partnership like this valuable and worth your time?
• Does a flat fee in the $50 range per referral seem reasonable for something like this?
• Do you already have informal referral relationships with other professionals? How do those typically work?
• What would make you hesitant to do this at all?

So I’ve failed my real estate test twice at this point I know quite abit of it it was just zoning and format of the test that fucked me up how it’s a category based scoring sense I know all of the laws and ethics behind the loans and housing I was considering getting my MLO if real estate doesn’t pan out thoughts

New to the industry here, but what is this sub's take on The Loan Store, and is their BDR position something that requires licensing to break into, or is it just a high-volume sales role that happens to work with originators?

More info: https://tlstpo.com/