What are the responsibilities and job description for the VP of Mortgage Lending position at Rate?
We are seeking a highly motivated, relationship-driven Mortgage Loan Originator to join a growing in-house real estate finance platform supporting luxury and residential real estate offices throughout New Jersey.
This is not a traditional “self-source everything” loan officer position.
This role is designed for an entrepreneurial mortgage professional who wants to become a trusted, embedded financial partner inside high-producing real estate offices — building long-term relationships with agents, educating clients, creating financing strategies, and helping grow market share from the ground up.
You will work directly with real estate professionals as their preferred lending resource while leveraging the technology, operational support, marketing, and brand strength of a nationally recognized mortgage platform.
This is a unique opportunity to step into an expanding initiative with significant runway, office growth potential, and leadership visibility.
What You’ll DoServe as the in-house mortgage partner for assigned real estate offices
- Build relationships with agents and office leadership
- Become the trusted financing resource for buyers, sellers, and referral partners
- Attend office meetings, trainings, networking events, and agent functions
- Deliver consultative mortgage guidance throughout the home-buying process
Generate and grow business organically
- Develop strong referral partnerships with real estate agents
- Help increase mortgage capture within partner offices
- Create and execute business development strategies for office growth
- Build a book of business through relationships, education, and responsiveness
Educate and support agents and clients
- Conduct mortgage education sessions, market updates, and financing workshops
- Guide clients on loan options, affordability, pre-approvals, credit scenarios, and closing timelines
- Structure financing solutions tailored to client goals
Deliver an exceptional borrower experience
- Manage loans from pre-approval through closing
- Communicate proactively with buyers, agents, attorneys, and partners
- Partner with operations teams to ensure smooth, timely closings
- Provide white-glove service with a consultative approach
Leverage marketing and technology
- Utilize CRM, marketing resources, and digital tools to drive engagement
- Co-market with agents through social media, events, and educational content
- Build local brand presence across assigned offices and territories
- In-house real estate partnership model — work directly inside partner offices rather than cold-starting independently
- Ground-floor growth opportunity — help build and expand a new initiative
- No “fire-drill” legacy book to inherit — opportunity to create systems and relationships the right way
- Strong operations and technology platform to support production
- Leadership growth potential as offices and territory expand
- Access to luxury and traditional residential markets
We’re looking for someone who is:
- Entrepreneurial and self-motivated
- Relationship-first and highly consultative
- Comfortable building business through networking and in-person engagement
- Strong in communication, follow-up, and client experience
- Passionate about helping buyers navigate home financing
- Excited to be visible inside real estate offices and become an indispensable resource
- Active Mortgage Loan Originator license (NMLS required)
- Experience in residential mortgage lending preferred
- Existing real estate agent relationships a plus
- Strong understanding of mortgage products and financing strategies
- Proven ability to build referral-based business
- Excellent interpersonal, presentation, and organizational skills
- Competitive commission structure
- Significant growth and earning potential
- Opportunity to expand into multiple offices/territories
- Marketing, operational, and leadership support
- Long-term career advancement opportunities
This is an opportunity to build something meaningful — not simply inherit a desk. You’ll become the trusted financing partner embedded within real estate offices, helping agents win more business, buyers make smarter decisions, and offices grow stronger relationships with an elite mortgage platform.