Full-Time

Mortgage Loan Officer

Confirmed live in the last 24 hours

Unison

Unison

51-200 employees

Home equity sharing for debt-free financing

Financial Services
Real Estate

Junior, Mid

Omaha, NE, USA

Must be located in the Omaha, NE metro area and able to be in the office 3 days per week.

Category
Real Estate
Real Estate Finance
Required Skills
Sales
Requirements
  • Be a registered and/or licensed officer
  • If you currently are a registered LO, you will take the 20 hour NMLS course, and pass the licensing exam
  • If you are currently an LO, we will work with you to complete the transfer of your applicable licenses
  • Must be located in the Omaha, NE metro area and able to be in the office 3 days per week
  • 2 years sales experience in a contact center environment
  • Have strong attention to detail, quality, and compliance skills
  • Strong analytical and problem solving, and time management skills
  • Previous, recent mortgage experience required
Responsibilities
  • Conduct complete and thorough loan applications, request customer documents, maintain deep understanding of loan parameters and underwriting guidelines
  • Track customer contact and updates conversation logs with pertinent information
  • Resolve problems throughout the loan process
  • Review and explain Loan Estimate (LE), Closing Disclosures (CD), and mortgage documentation
  • Ensures all mortgage regulations and laws are strictly adhered to
  • Maintain MLO license, working with your manager to schedule continuing education while balancing the needs of the department
  • Effectively collaborate with internal and external partners to complete mortgage transactions efficiently
  • Attain next level of established productivity targets
  • Maintain customer satisfaction and ability to de-escalate customer concerns
  • Originate loans with high degree of quality and attain zero compliance defects
  • Work with various teams to identify and solve friction points in the process to improve speed of delivery with excellent application quality
  • Other duties as assigned

Unison provides a financial service that allows homeowners to access the value of their home equity without taking on debt or making monthly payments. Their approach, known as "home equity sharing," enables homeowners to trade a portion of their home equity for cash, making Unison a co-investor in the property. This means that Unison shares in the future appreciation or depreciation of the home, aligning their interests with those of the homeowner. Unlike traditional loans, this model helps homeowners obtain funds for various needs, such as paying off debt or starting a business, while avoiding interest and monthly payments. Unison charges a 3% transaction fee on the co-investment and benefits from the home's appreciation when it is sold. The company's goal is to make housing financially accessible and provide homeowners with the flexibility they need to thrive.

Company Stage

Debt Financing

Total Funding

$243.2M

Headquarters

San Francisco, California

Founded

2004

Growth & Insights
Headcount

6 month growth

3%

1 year growth

2%

2 year growth

0%
Simplify Jobs

Simplify's Take

What believers are saying

  • Increased interest in alternative financing boosts Unison's market potential.
  • Securitization of agreements attracts institutional investors, enhancing scalability.
  • Remote work trends expand Unison's market in suburban and rural areas.

What critics are saying

  • Rising interest rates may make traditional refinancing more attractive.
  • Increased competition could pressure Unison's market share and margins.
  • Regulatory scrutiny may lead to higher compliance costs and challenges.

What makes Unison unique

  • Unison offers a debt-free alternative to traditional home loans.
  • The company pioneered the home equity sharing model in the real estate market.
  • Unison aligns its interests with homeowners by sharing in property appreciation.

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Benefits

Generous PTO

Parental leave

Volunteer days

100% employer paid health coverage

Additional sick days

$2k yearly learning stipend

Monthly 1/2 day off for development