Mortgage Loan Officer (1099, Remote) — Start with Commercial Loans (No NMLS Needed) | Free Training | Unlimited Upside
Company Description Golden Gate Realty & Finance Inc is a Silicon Valley–based real estate and mortgage brokerage platform serving clients nationwide through a modern, tech-driven operating system. Led by Alan Wen (Principal Broker) with 20+ years of executive and business leadership experience (Oracle, Yahoo, Microsoft), our mission is to help clients and investors secure capital efficiently while helping talented loan professionals grow into high-performing producers. We offer a wide range of financing solutions, including: • Business-purpose / commercial & investor loan programs • Bridge loans, Fix-and-Flip, Ground-Up Construction • Investor rental loans (SFR / DSCR options) • Specialty lending for complex scenarios • (Optional growth path) consumer residential mortgage programs for licensed NMLS originators We are building an AI-powered broker platform focused on speed, clarity, execution, and training. Role Description This is a remote, independent contractor (1099) role. ✅ Outside California candidates are welcome and can start immediately by focusing on commercial / business-purpose loan programs (investment-purpose only). For this initial business-purpose track, an NMLS license is generally not required, depending on state regulations and the activity performed. Loan Officers in this role will: • Generate and manage loan pipeline (self-generated business) • Work with investors and business-purpose borrowers to structure financing solutions • Analyze borrower and property scenarios (assets, income, project plan, exit strategy) • Present program options clearly and professionally • Coordinate with lenders, processors, and internal support partners • Maintain compliance standards and strong client relationships from first call to closing Why Work With Us We built Golden Gate to remove the most common barriers that stop loan officers from winning: ✅ $0 Joining Fee ✅ No desk fee / No monthly fee ✅ 1099 independent contractor model ✅ Free training + coaching support ✅ AI-powered workflows + marketing support tools ✅ Access to multiple programs and lending partners ✅ Unlimited commission upside You only win when you close deals — and when you win, we win together. Compensation Potential Commission is performance-based and uncapped. • Certain transactions may generate $10,000+ commission, depending on loan size, complexity, and structure • With consistent production, even 1 funded deal per month may position you toward six-figure income potential Growth Path (Optional) Loan Officers may also choose to expand into consumer residential mortgage origination. For residential mortgage activities, candidates must: • Hold an active NMLS license, or • Be willing to obtain and maintain NMLS licensing (SAFE Act compliance, continuing education) Requirements / Qualifications • Background in mortgage, lending, real estate, finance, or sales is a plus • Strong communication, organization, and follow-through • Comfortable working remotely and independently • Coachable mindset and strong desire to learn • Investor/commercial lending interest preferred (experience not required) • NMLS license NOT required for the initial business-purpose commercial track • (required only if/when originating consumer residential mortgage loans) Qualified candidates will be invited to watch a short recruiting briefing video and then proceed to onboarding. Important Disclosure Income is not guaranteed. Results vary based on effort, consistency, market conditions, relationship building, and full compliance with lending regulations. This is a 1099 independent contractor role. Apply tot his job