What are the responsibilities and job description for the Mortgage Loan Officer position at Tovara Lending?
Most LOs are told to "grind more leads." We built a better problem to have: too many warm realtor relationships to keep up with.
Tovara Lending is a Premium Lender backed by American Pacific Mortgage — a Top-10 Independent Mortgage Bank, 49% employee-owned, with 30 years and multiple market cycles behind it. We're not a call-center shop chasing internet leads. We're building a referral-first business, and we're looking for experienced Loan Officers who already know that realtor relationships — not speed-to-lead — are what make a book of business durable.
What makes this different:
- Tovara Leads - Our proprietary business development tool. Instead of cold-calling a random realtor list, you work a call list of local agents enriched with behavioral and transactional insight - who's actually closing, how often, and what they need. You show up prepared, not guessing.
- An open platform - Agency products with zero overlays. Jumbo, Non-QM, construction/renovation, DPA, ITIN, reverse, commercial, etc.
- Real support, not a help desk — licensing team, lock desk, scenario desk staffed by senior underwriters (yes, even Saturdays), and a non-agency deal desk for the deals that don't fit a box.
- ESOP - you build equity in the company at no cost to you, on top of what you build in your own pipeline.
- A company that stays out of your way - flexible business models, local branch autonomy, backed by national infrastructure.
Who we want:
- 2 years originating, with a track record you can speak to specifically - not just units, but referral partners and repeat business
- Someone who has moved employers for the wrong reasons before and knows what "real support" actually needs to look like
- Coachable, hungry, and willing to build relationships that compound instead of leads that expire
What we don't want: someone looking to be handed consumer leads.
If your book is built on realtor trust and you're tired of your current shop treating that as your problem instead of theirs to support — let's talk.