Loan Officers — Now Hiring in AZ, CA, FL, GA & TX

Loan officer jobs at a Non-QM lender — stop handing back the files you can’t place.

The self-employed borrower whose returns don’t show what he earns. The investor on his fourth property. The buyer who’s ready except for the down payment. At most shops those go back to the referral partner. Here they’re the ones you close — a full Non-QM shelf, in-house underwriting, and an AI receptionist that answers every call so none of them go cold.

Direct lender · NMLS #7861 · Licensed in AZ, CA, FL, GA, TX · Conversations stay confidential

Struggling with a challenging scenario?

Send it over — we’ll tell you whether it fits, including when the answer is no.

Where the market is

Optimal Blue Mortgage Market Indices — market-wide averages from locked transactions. Reference data only, not Vision One rates and not a quote.

What you can close here
Bank statementSelf-employed, 12 or 24 months
10% down
DSCRInvestors, qualify on the property
15% down
Down payment assistanceThree programs — eligibility varies by program
Varies
P&L onlyNo tax returns, no bank statements
Case by case
Program availability and requirements vary by borrower, property, and state. Not a commitment to lend.

Four reasons loan officers move their book here

Not a list of everything we do — the four things that actually change your production.

A wider shelf

Self-employed borrowers, investors, and buyers short on down payment are the three files most loan officers hand back. Here they’re the ones you keep: bank statement, P&L, DSCR, ITIN, jumbo, and assistance programs beside conventional and government.

Leads, and every one answered

Warm inbound leads and local referral funnels across OC, LA, and Riverside — then an AI receptionist that picks up calls, texts, and chats around the clock, qualifies them, and rings your phone while the borrower is still interested. Missed calls get an automatic text instead of going cold.

Answers the same day

We underwrite in house. You give a Realtor a real answer on a tough file today instead of waiting on a wholesale rep, and your borrower hears it while it still matters.

Compensation you hear early

Loan officers move for one reason. We offer high-split plans, fast payouts, and no hidden fees — and we tell you the real number in the first conversation rather than after three rounds of interviews. In-office or remote, with the tech stack and training either way.

Serving loan officers across Southern California

Vision One Mortgage supports loan officers throughout Orange County, Los Angeles County, Riverside County, and the greater LA area — with local support, fast underwriting, and compensation that top producers expect.

Orange County

Santa Ana · Irvine · Anaheim · Newport Beach · Tustin · Costa Mesa · Huntington Beach

Los Angeles County

Long Beach · Pasadena · Los Angeles · Torrance · Whittier · Downey · Glendale

Riverside County

Riverside · Corona · Ontario · Moreno Valley · Temecula · Murrieta · Rancho Cucamonga

If you’re searching for loan officer jobs in Santa Ana, mortgage companies hiring in Orange County, or NMLS loan officer careers near you, you’re in the right place. We offer in-office and remote loan officer positions, full marketing support, lead funnels, and a modern LOS built for speed.

Remote and in-office positions available · Conversations stay confidential

Before you talk to us

Two things worth knowing, so you can decide whether this is worth a conversation.

Test us with a real file first

You don't have to take our word for any of this. Send a scenario you're stuck on — one you've already had trouble placing — and see what comes back. If we tell you it doesn't work, that's useful information too, and it costs you nothing to find out.

The conversation is confidential

Exploring a move is not the same as making one. Nothing gets discussed outside this office, and there's no follow-up campaign if you decide to stay where you are. Ask what you need to ask.

We'll be direct about compensation early

Comp depends on experience, volume, and role, so it isn't a number we can put on a page honestly. But you'll hear a real one early in the conversation rather than after three rounds of interviews.

Written for loan officers placing hard files

If you’d rather read something before you talk to anyone.

The five files most loan officers hand back

The self-employed borrower, the investor at property four, the recent credit event, the buyer short on down payment, and the borrower who needs equity without touching a 3% first — and what actually places each one.

What makes a bank statement loan work

Deposits are not revenue, the expense factor does real work, and choosing 12 or 24 months is a decision rather than a default. The mistakes that kill these files, and how to set expectations that hold.

Mortgage loan officer jobs — the detail

What the role is, where we’re hiring, what we look for, and how the conversation actually goes. Remote and in-office, across CA, AZ, FL, GA, and TX.

The Non-QM shelf explained

DSCR, bank statement, P&L, ITIN, asset utilization, jumbo, and standalone seconds — what each program is for and which borrower it places.

Bringing a team?

For branch managers and team leads evaluating a platform rather than a job — operations capacity, lead infrastructure, and how a transition is sequenced.

The full program guide

Every program we place, described in plain terms — Non-QM, jumbo, conventional, government, assistance, and standalone seconds. Printable, on our letterhead, ready to hand to a referral partner.

Questions loan officers ask us first

What states can I originate in?

Vision One Mortgage is licensed in Arizona, California, Florida, Georgia, and Texas. Full license numbers are listed at the bottom of this page, and you can verify all of it independently through NMLS Consumer Access.

How does the AI receptionist actually work?

It answers your inbound calls, texts, and website chats. It asks what someone is looking for, captures name and contact details, then transfers the call live to your phone once there's enough to work with. If you can't pick up, the caller gets an immediate text back and the lead lands in your pipeline instead of disappearing.

Do I keep my referral partners and pipeline?

Yes. Your relationships are yours. We'd talk through your current pipeline and timing during the conversation so nothing in progress gets disrupted by the move.

What's the compensation structure?

Compensation depends on experience, volume, and role, and it's a real conversation rather than a number on a web page. Reach out and we'll be direct with you about it early instead of after three interviews.

What support do I get on a tough file?

In-house underwriting means you can get a read on a difficult scenario quickly, before you've promised a borrower something that falls apart later. That's the practical benefit of being a direct lender rather than brokering it out.

Let's talk

A short conversation, not a formal application. We'll tell you what we can offer and you'll tell us what you'd need to make a move worth it.

  • We respond within one business day
  • Your inquiry stays confidential
  • No obligation, and no pressure to switch
  • Bring your questions about programs and comp

Book a call

Tell us a little about where you are now.

By sending this you agree we can contact you about opportunities at Vision One Mortgage. See our Privacy Policy.

Not a loan officer? if you’re an agent or referral source, or .

Loan programs

The files other lenders send back.

Vision One is a direct lender built around borrowers who don't fit a W-2 box: the self-employed, the investor, the buyer with income but no down payment. Here's what's on the shelf.

Non-QM

The core of what we do — the files that don’t fit an agency box.

Expanded-Prime

Strong credit, non-agency

For borrowers well past a prior housing event with re-established credit. Full doc, P&L, or bank statement income, on primary, second home, and investment properties. Interest-only structures available.

Non-Prime

Recent credit events

For borrowers still recovering from a recent credit impairment who have income to support the payment. Cash-out available to unlock equity or consolidate debt.

Bank Statement

Qualify on deposits

For self-employed borrowers whose tax returns don't reflect what the business earns. Personal or business statements, 12- or 24-month options, with an expense factor applied to arrive at qualifying income.

1-Year & 2-Year P&L

No bank statements required

Qualify from a profit and loss statement instead of tax returns, W-2s, or pay stubs. The P&L must be prepared by a licensed CPA, a CTEC-registered preparer, or an IRS enrolled agent. A practical path for business owners, freelancers, and contractors.

  • Prepared by a licensed CPA, CTEC preparer, or IRS enrolled agent
  • Bank statements not required at lower leverage
  • Available with temporary rate buydowns

1-Year or 2-Year Full Doc Non-QM

Full documentation, non-agency

For small business owners, investors, and self-employed borrowers who document income fully but still don't fit an agency box. One or two years of documentation depending on the file.

  • Available on condos and condotels
  • Credit events considered sooner than agency timelines
  • Temporary rate buydowns available

ITIN

No Social Security Number required

For borrowers who file taxes using an Individual Taxpayer Identification Number rather than an SSN. Primary residence, second home, and investment properties are all eligible, and the program pairs with alternative documentation.

  • Valid ITIN card or IRS ITIN letter required
  • Unexpired government-issued photo ID required
  • Alternative documentation and DSCR structures available

DSCR

Qualify on the property

For investors. The property's rental cash flow carries the file — no personal income or employment documentation. Vesting in an LLC is available, and interest-only options help maximize monthly cash flow.

DSCR 5–9 Unit

Small multi-family

Multi-family properties beyond the standard 1–4 unit box, structured for business-purpose borrowers. LLC vesting and interest-only options available.

Asset Utilization

Qualify on assets

For high-net-worth or retired borrowers with meaningful assets but limited traditional income. Both DTI and no-DTI qualification approaches are available.

Foreign National

Non-U.S. citizens, no U.S. credit

For foreign nationals purchasing or refinancing U.S. property without domestic credit history, typically underwritten on the asset and the property rather than U.S. income.

Non-Warrantable Condos

Outside agency condo rules

For condo projects that fail agency warrantability — high investor concentration, litigation, commercial space, or incomplete projects. Available across several programs.

Interest Only

Lower the monthly obligation

Interest-only payment structures for borrowers optimizing monthly cash flow, available across Expanded-Prime, Non-Prime, and DSCR.

Jumbo

Above conforming limits, full doc or alternative documentation.

Jumbo-Prime

Above conforming limits

Full-doc jumbo financing for higher-priced homes on primary residences, second homes, and investment properties, with cash-out available and no mortgage insurance.

Expanded-Prime Super Jumbo

The largest full-doc loans

Full documentation financing that exceeds standard jumbo limits, for the highest loan amounts we place. Bank statement documentation options available.

Non-QM Jumbo

Jumbo, alternative documentation

Jumbo loan sizes using bank statement, P&L, or asset-based income rather than full documentation — for self-employed borrowers buying at higher price points.

Conventional

Agency financing for borrowers who fit cleanly.

Conforming Fixed & ARM

Agency standard

Standard conventional financing within conforming loan limits, fixed or adjustable, for borrowers who fit agency guidelines cleanly.

High Balance

Higher-cost counties

Conventional financing above the standard conforming limit in designated high-cost areas, still under agency guidelines.

Low Down Payment Conventional

Smaller down payment

Agency programs designed for buyers with limited down payment, including options for first-time buyers and borrowers within area income limits.

Investment & Second Home

Agency, non-owner occupied

Conventional financing for second homes and investment properties for borrowers whose personal income supports the file.

Government

FHA, VA, and USDA financing.

FHA

Government-insured

FHA financing for buyers who need a lower down payment or have credit that falls short of conventional requirements, including options for higher debt ratios.

VA

Earned benefit

VA financing for eligible veterans, active-duty service members, and surviving spouses, including purchase, refinance, and cash-out.

USDA

Rural and suburban

USDA financing for eligible properties in qualifying areas, for buyers within program income limits.

FHA 203(k) / Renovation

Purchase plus repairs

Financing that combines the purchase or refinance with the cost of renovation into a single loan.

Second Mortgage

Access equity without touching the first lien.

Equity Advantage — Standalone Second

Keep the first mortgage rate

A second lien on its own, so a borrower can pull equity without refinancing a low first mortgage. Primary, second home, and investment properties, including non-warrantable condos and rural properties. Full doc or bank statements.

  • Borrower keeps the existing first lien and its rate
  • Full doc, personal, or business bank statement options
  • Available on a wide range of property types

HELOC / Equity Line

Revolving access

A revolving line against existing equity, drawn as needed rather than taken as a lump sum — for renovations, consolidation, or keeping capital available.

DSCR Second Lien

Investor equity

A second lien on an investment property underwritten on the property's cash flow, for investors pulling equity without disturbing a favorable first mortgage.

Open the program guide (printable)

* Specific loan program availability and requirements may vary. Down payment percentages shown are program minimums, not offers, and actual terms depend on credit, property, occupancy, and state. This is not a commitment to lend. Please get in touch with your mortgage advisor for more information.

Have a scenario in mind?

Send it over. We'll tell you whether it fits, quickly and honestly.

Call (949) 253-3480

For real estate agents — buyer’s side and listing side

Send us the buyer everyone else passed on.

You know the client. Strong income, messy tax returns. The investor on their fourth property. The one who’s ready except for the down payment. Those are the files we’re built for — and when one of yours closes, the client stays yours.

Become a partner

Direct lender · NMLS #7861 · Licensed in AZ, CA, FL, GA, TX

What agents get
Pre-approvals that holdUnderwritten before they go out, not after
Same-day answersIn-house underwriting, no wholesale middleman
Someone who picks upDirect line — evenings and weekends too
Co-branded listing pagesPayment options on every property you send

The two ways a deal dies, and what we do about them

Every agent has lived both of these.

Buyer’s agents: the pre-approval that falls apart

You wrote three offers on a letter someone issued in four minutes without looking at a tax return. Week three, underwriting sees the Schedule C and it’s over. Your buyer is devastated, the listing agent won’t take your next offer seriously, and you spent six weekends showing homes for nothing.

Our pre-approvals go through an actual underwriter before they leave the building. If a file has a problem, you hear it on day one when it’s still fixable — not on day twenty-one.

Listing agents: the escrow that falls out

You went pending in four days at a great number. Then financing collapsed, the listing went back on market with days-on-market damage, and every showing since has opened with “what happened with the last one?” The eventual buyer paid less.

When an offer on your listing is financed by us, you can call the loan officer directly and get a straight read on whether it will actually close — before you advise your seller to accept it.

Both: the buyer you had to turn away

The self-employed buyer whose returns don’t show what he earns. The investor whose personal debt-to-income can’t absorb another mortgage. The buyer with the income but not the cash to close. Most lenders send them back to you with a no.

Bank statement, P&L, DSCR, ITIN, and three separate down payment assistance structures — the files other lenders decline are the ones we’re built for.

How a referral actually goes

No portal to learn, no forms to chase, no lead-routing system that swallows your client.

1. You send the client

Call, text, or introduce them however you already do it. After hours, our AI receptionist picks up, starts the conversation, and gets it to a loan officer — instead of the buyer sitting in a voicemail box until Monday. Saturday afternoon is when buyers actually call.

2. You get a straight read

You hear quickly whether the file works, what it needs, and what could break it. Including when the answer is no — which is worth more to you than a maybe that becomes a no two weeks before closing.

3. You stay in the loop

You’re told where the file stands without chasing anyone. And the client stays yours. We’re the lender, not a competitor for the relationship, and we don’t market your client a refinance six months later without telling you.

Marketing that works on your listings

Not a co-branded flyer nobody reads.

Send us a property and we’ll build a page for it showing three financing options side by side — assistance, investor, and self-employed — with an estimated payment for each. Your buyer stops guessing what they can afford, and your listing gets in front of buyers who assumed they were priced out.

Open houses work the same way. Buyers who walk through with a payment number in hand write offers. Buyers who walk through wondering keep looking.

Start referring

Tell us where you work and the kind of buyers you see. We’ll set you up with a direct line to a licensed loan officer — a person, not a queue.

  • No volume minimums, ever
  • Direct line to a licensed loan officer
  • Co-branded materials and listing pages
  • Pre-approvals reviewed by an underwriter first
  • Your client stays your client

Partner inquiry

We’ll be in touch within one business day.

By sending this you agree we can contact you about partnering with Vision One Mortgage. See our Privacy Policy.

Scenario desk

Have a scenario in mind?

Send it over. We'll tell you whether it fits, quickly and honestly — including when the answer is no. You'll hear back from a licensed loan officer, not an auto-reply.

Send a scenario Or call (949) 253-3480
What happens next
It reaches a person immediatelyYour submission texts the loan officer on the spot
You get a straight readWhether it fits, what it needs, or why it doesn't
Same business dayUsually much sooner during business hours

Loan scenario

The more you give us, the more precise the answer. Anything you don't know yet, leave blank.

* Name required, plus at least one of email or phone so we can reach you.

Submitting a scenario is not a loan application and creates no obligation. It is not a pre-approval, rate quote, or commitment to lend. By sending it you agree we may contact you about it. See our Privacy Policy.

Down payment assistance

The buyer can carry the payment. They just can’t get to the closing table.

Three separate programs that solve that, each with its own structure and its own rules. They are not interchangeable and they don’t stack — pick the one that fits the borrower in front of you.

Silent Second — Down Payment Assistance

Deferred second, no monthly payment

A second loan that covers the gap between what a buyer has saved and what they need to close — up to 3.5% of the purchase price on a government first mortgage, up to 3% on conventional. No payment is due on this second; it’s repaid only when the home sells, refinances, or the first mortgage pays off.

  • Covers down payment and/or closing costs
  • Deferred — no monthly payment on the assistance
  • Pairs with an eligible first mortgage; not a standalone loan
  • For qualified first-time buyers; income limits vary by county
  • Homebuyer education course required before closing

FHA 100% Combo

Zero down, 100% financing

A first and second lien combined to fully finance the home — no down payment from the borrower at all. The FHA first covers 96.5% loan-to-value, and a second lien covers the remaining balance to close the gap to 100%.

  • FHA first mortgage at 96.5% LTV
  • Second lien covers the remaining down payment, up to 3.5%
  • Combined structure means $0 down payment
  • Primary residences only
  • Built for low-to-moderate income buyers

Shared Appreciation Down Payment Loan

UP TO 20%

Maximum $150,000 toward down payment or closing costs

Not available to most buyers. Requires first-time and first-generation status, a program voucher, and selection from a randomized process. Funding runs in limited rounds and may be closed.

For first-time, first-generation homebuyers who need more than a standard second can cover. Instead of monthly payments or interest, this program shares in the home’s future appreciation — funded through a limited, voucher-based process with randomized selection.

  • First-time and first-generation homebuyer required
  • Up to 20% of purchase price, maximum $150,000
  • No monthly payments — repaid through shared appreciation at sale, refinance, or payoff
  • Program voucher required before applying
  • Randomized selection; funding is limited and not guaranteed
Call (949) 253-3480

These are three separate programs with distinct eligibility rules, and they are not designed to be combined with one another. Availability, income limits, and funding vary by county, by program, and by funding cycle — some operate in limited rounds and may be closed at any given time. Nothing here is a commitment to lend or a guarantee that a borrower will be selected for or receive assistance. Send the scenario and we’ll confirm what is actually open and what the borrower qualifies for.

Markets

Five states, and the full product shelf in each.

Vision One Mortgage is licensed in Arizona, California, Florida, Georgia, and Texas. In every one of them you get the whole line — government loans, assistance programs, jumbo, the full Non-QM shelf, and standalone seconds.

States where Vision One Mortgage is licensed: Arizona, California, Florida, Georgia, and Texas
Licensed — full product line Not licensed

What we offer in every one of them

FHA & VA

Government-backed financing for buyers who need lower down payments or are using earned VA benefits.

Down payment assistance

Assistance programs for buyers with the income to carry a payment but not the cash to get in the door.

Jumbo

Financing above conforming loan limits, for higher-priced properties in these markets.

Non-QM — the full shelf

Bank statement, P&L only, DSCR, and asset-based options for self-employed borrowers and investors.

HELOCs & equity lines

Revolving lines against existing equity, for renovations, consolidation, or opportunity capital.

Standalone seconds

A second lien on its own, so a borrower can access equity without touching a low first-mortgage rate.

* Specific loan program availability and requirements may vary by state, property, and borrower. Licensing details are listed at the bottom of this page and can be verified independently through NMLS Consumer Access. This is not a commitment to lend.

Non-QM coverage · Business-purpose loans only

Where the Non-QM shelf reaches.

Business-purpose Non-QM lending extends well past the states where we originate consumer loans. This is the supplied coverage list — 32 jurisdictions across the contiguous United States.

States included in supplied Non-QM business-purpose coverage
Included in supplied coverage Not included

Contiguous U.S. shown. Alaska and Hawaii are not in the supplied coverage.

Business-purpose loans only — not for personal, family, or household use. Coverage is subject to investor approval and applicable state requirements.

Verify before relying on this. This map reflects a supplied coverage list, not independently verified investor approvals, licensing, or exemptions, and it is not a commitment to lend. Have your compliance team confirm each jurisdiction before this page is used in marketing.

Map boundaries from U.S. Atlas / U.S. Census Bureau. Coverage is maintained by hand and does not update automatically.