Description
Job Title: Mortgage Loan Originator – PA, NJ, & FL (Remote – Eastern Time)
Company: Five Star Mortgage LLC (NMLS #2686795)
Employment Type: Full-time, W-2
Location: Remote (must be licensed or seeking license(s) in PA, NJ, and/or FL)
About Five Star Mortgage LLC
Five Star Mortgage LLC is an independent mortgage brokerage licensed in Pennsylvania, New Jersey, and Florida. We work with multiple lenders to offer a wide range of products, including:
- Conventional
- FHA
- VA
- USDA
- Jumbo
- Non-QM
We are a borrower-first, compliance-focused brokerage that values transparency, integrity, and strong referral-based relationships.
About The Role
We are seeking an experienced, licensed Mortgage Loan Originator (MLO) to originate residential mortgage loans in PA, NJ, and/or FL.
Important: This is a self-generated business role – no leads are provided by the company. The ideal candidate already has, or is actively building, a strong referral network (realtors, financial professionals, past clients, etc.) and is comfortable running their own pipeline.
We offer an attractive, high-earning compensation structure that is fully compliant with applicable Loan Originator Compensation rules.
What You'll Do
Develop and maintain self-generated relationships with borrowers, real estate agents, and other referral partners.
Independently build and manage your personal pipeline through prospecting, networking, and referrals.
Take and complete mortgage applications; collect documentation and provide accurate disclosures in accordance with federal and state laws.
Clearly explain loan options, terms, rates, and costs to borrowers in a compliant and easy-to-understand way.
Submit complete loan files to processing and underwriting; coordinate with internal and external parties to ensure timely closings.
Stay current on mortgage products, underwriting guidelines, investor requirements, and regulatory changes.
Safeguard customer information and follow company policies on privacy, data security, and record retention.
Comply with all applicable regulations, including (but not limited to):
- TILA / Regulation Z
- RESPA / Regulation X
- ECOA / Regulation B
- Fair Housing Act
- FCRA
- State-specific mortgage lending and licensing requirements
What We're Looking For
Active NMLS ID in good standing.
State MLO license in at least one of: Pennsylvania, New Jersey, or Florida
(Or the ability to obtain one or more of these within a reasonable timeframe.)
High school diploma or equivalent (bachelor’s degree preferred but not required).
Prior residential mortgage origination experience strongly preferred, ideally with an existing book of business or referral network.
- Proven ability to self-generate business; comfortable working without company-provided leads.
- Solid knowledge of basic mortgage products and the loan origination process.
- Strong communication, organizational, and customer-service skills.
- Proficiency with common LOS/CRM systems and standard office software (email, spreadsheets, etc.).
- Ability to follow company policies, LO compensation rules, and all applicable regulations.
Compensation
High-earning, production-driven commission structure, compliant with Loan Originator Compensation (Reg Z).
Compensation is not based on the terms of any individual transaction or any proxy for a loan’s terms.
Compensation will be documented in a written loan originator compensation agreement.
May include a combination of commission based on lawful production metrics, and/or non-term-based bonuses or incentives permitted under applicable regulations.
Compensation potential is significant for high-performing, self-generating originators.
Equal Employment Opportunity
Five Star Mortgage LLC is an Equal Opportunity Employer. We do not discriminate in employment or in providing services on the basis of race, color, religion, creed, sex, gender, gender identity or expression, sexual orientation, national origin, ancestry, age, disability, marital status, veteran status, pregnancy, genetic information, or any other status protected by applicable law.
We are committed to a workplace free from unlawful discrimination, harassment, and retaliation, and to making reasonable accommodations for qualified individuals with disabilities and for sincerely held religious beliefs, in accordance with applicable law.
How to Apply
If this sounds like a fit, we’d love to hear from you.
Email your résumé (and optional short cover letter) to: Nicklaus Lilley – nlilley@fsmteam.com
Please include “Mortgage Loan Originator – [PA/NJ/FL]” in the subject line and indicate which state(s) you are currently licensed in.
Work Location: Remote
Requirements
Active NMLS ID in good standing.
State MLO license in at least one of: Pennsylvania, New Jersey, or Florida
(Or the ability to obtain one or more of these within a reasonable timeframe.)
