Mortgage Loan Officers | The Badges Broker | Citizens Financial Remote Throughout California | 100%
Mortgage Loan Officers | The Badges Broker | Citizens Financial Remote Throughout California | 100% Commission | $555 Flat Fee Per Closed Loan
This Is More Than a Job. It Is a Mission.
We are growing a team of experienced mortgage professionals who believe that doing good and doing well are not mutually exclusive. At Citizens Financial, our brand The Badges Broker exists to serve the people who keep our communities safe, healthy, and educated — CDCR officers, first responders, military families, veterans, educators, and healthcare professionals across California.
If you are an experienced loan officer who wants to build something meaningful while keeping more of what you earn, this is where you belong.
The Compensation Model
You keep 100% of your self-generated commission. Every loan. No splits. No shrinking paycheck as you grow.
You pay one flat fee: $555 per closed loan.
Built-in fairness clause: if the $555 flat fee exceeds 20% of your gross commission, the fee is automatically capped. No exceptions needed. It is already written into the model.
W-2 or 1099 classification — your choice.
Why Loan Officers Choose Us
Most models punish production. The more you close, the more you give away. We built the opposite. A structure designed to grow with you, not against you.
Beyond the economics, you get something most mortgage companies cannot offer: a brand story that actually resonates in the community. The Badges Broker is a niche with a real purpose and referral partners who respond to it. When you call on a fire station, a CDCR facility, a VA office, or a school district, you are not just another loan officer. You represent something.
Product Platform
VA Loans, FHA Loans, Conventional, Jumbo, Down Payment Assistance, DSCR, Non-QM, ITIN, Reverse Mortgage, Portfolio Loans, Bank Statement Programs, Self-Employed Borrowers
Support and Technology
AI-powered CRM and pipeline automation Marketing and administrative support Leadership and team-building opportunities for producing branch managers California-focused leadership with deep local market knowledge
Who We Are Looking For
Active California NMLS license (DRE or DFPI) Minimum 2 years of mortgage origination experience Actively originating or actively rebuilding a production pipeline Relationship-driven, with an existing referral network or a clear plan to build one Passion for serving clients in underserved and mission-aligned communities Remote-capable and self-directed — able to work independently throughout California Coachable, ethical, professional, and in it for the long term
We are especially interested in producers who want to grow a team. Branch manager and team lead structures are available for those ready to build.
The Bottom Line
Citizens Financial is not filling seats. We are building a team of experienced, high-touch, high-tech mortgage advisors who are proud to serve those who serve.
If you want better economics, a deeper product platform, and a brand that gives you a reason to be remembered — we want to talk.
Apply at www.citizensfinancial.co
Benefits: 401(k) with 3% match Health insurance Flexible schedule Work from home
Application Questions: Do you currently hold an active MLO license (DRE or DFPI)? Are you currently licensed in California?
Work Location: Remote — California
Pay: $45,000.00 - $450,000.00 per year
Benefits:
• 401(k)
• Dental insurance
• Flexible schedule
• Health insurance
• Opportunities for advancement
• Professional development assistance
• Referral program
• Vision insurance
• Work from home
Work Location: Remote
Apply tot his job
Apply To this Job
This Is More Than a Job. It Is a Mission.
We are growing a team of experienced mortgage professionals who believe that doing good and doing well are not mutually exclusive. At Citizens Financial, our brand The Badges Broker exists to serve the people who keep our communities safe, healthy, and educated — CDCR officers, first responders, military families, veterans, educators, and healthcare professionals across California.
If you are an experienced loan officer who wants to build something meaningful while keeping more of what you earn, this is where you belong.
The Compensation Model
You keep 100% of your self-generated commission. Every loan. No splits. No shrinking paycheck as you grow.
You pay one flat fee: $555 per closed loan.
Built-in fairness clause: if the $555 flat fee exceeds 20% of your gross commission, the fee is automatically capped. No exceptions needed. It is already written into the model.
W-2 or 1099 classification — your choice.
Why Loan Officers Choose Us
Most models punish production. The more you close, the more you give away. We built the opposite. A structure designed to grow with you, not against you.
Beyond the economics, you get something most mortgage companies cannot offer: a brand story that actually resonates in the community. The Badges Broker is a niche with a real purpose and referral partners who respond to it. When you call on a fire station, a CDCR facility, a VA office, or a school district, you are not just another loan officer. You represent something.
Product Platform
VA Loans, FHA Loans, Conventional, Jumbo, Down Payment Assistance, DSCR, Non-QM, ITIN, Reverse Mortgage, Portfolio Loans, Bank Statement Programs, Self-Employed Borrowers
Support and Technology
AI-powered CRM and pipeline automation Marketing and administrative support Leadership and team-building opportunities for producing branch managers California-focused leadership with deep local market knowledge
Who We Are Looking For
Active California NMLS license (DRE or DFPI) Minimum 2 years of mortgage origination experience Actively originating or actively rebuilding a production pipeline Relationship-driven, with an existing referral network or a clear plan to build one Passion for serving clients in underserved and mission-aligned communities Remote-capable and self-directed — able to work independently throughout California Coachable, ethical, professional, and in it for the long term
We are especially interested in producers who want to grow a team. Branch manager and team lead structures are available for those ready to build.
The Bottom Line
Citizens Financial is not filling seats. We are building a team of experienced, high-touch, high-tech mortgage advisors who are proud to serve those who serve.
If you want better economics, a deeper product platform, and a brand that gives you a reason to be remembered — we want to talk.
Apply at www.citizensfinancial.co
Benefits: 401(k) with 3% match Health insurance Flexible schedule Work from home
Application Questions: Do you currently hold an active MLO license (DRE or DFPI)? Are you currently licensed in California?
Work Location: Remote — California
Pay: $45,000.00 - $450,000.00 per year
Benefits:
• 401(k)
• Dental insurance
• Flexible schedule
• Health insurance
• Opportunities for advancement
• Professional development assistance
• Referral program
• Vision insurance
• Work from home
Work Location: Remote
Apply tot his job
Apply To this Job