Licensed MLO Careers
Your bosses are making more than you on your own deals.
We fixed that.
275 bps lender-paid. $995 per file — covers AI processing, doc collection, and borrower management. No desk fees. No monthly charges. No meetings.
Why this exists
I was a producing MLO. I closed the loans. I built the relationships. And every month, I watched my bosses take more of my deal than I kept.
Not because they earned it — because the structure said they could.
So I built the company I wished existed: one where the MLO keeps the lion's share, technology eliminates the busywork, and nobody wastes your time with pipeline meetings that could've been a text.
If the math on this page makes sense to you, let's talk.
The Comp Plan — Full Transparency
No hidden splits. No fine print. Here's exactly how it works.
Compensation
275 bps
lender-paid — you don't charge the borrower
Per-file fee
$995
covers AI processing, doc collection, borrower management
What you actually take home
| Loan Amount | Gross (275 bps) | File Fee | You Keep |
|---|---|---|---|
| $250,000 | $6,875 | − $995 | $5,880 |
| $350,000 | $9,625 | − $995 | $8,630 |
| $450,000 | $12,375 | − $995 | $11,380 |
| $600,000 | $16,500 | − $995 | $15,505 |
3 loans/month at $400K average = ~$30K/month net. No desk fees. No monthly charges. No E&O markup. Just the fee and your comp.
What you get
AI Does the Busywork
Marcus handles doc collection, income extraction, and borrower Q&A. Your $995/file fee covers it. Most shops, you're doing this yourself or paying an assistant $3-5K/month.
Lender Independence
No platform lock-in. Work with the best wholesaler for each deal. Our tech serves you — not the other way around.
No Meetings
No mandatory Monday huddles. No pipeline shaming. No “activity metrics.” You're a licensed professional. We treat you like one.
Lean Overhead
Automation means lower operating costs, which means better comp for you. No bloated corporate infrastructure eating into your bps.
Licensed in 5 States
NMLS 1752164 — Zip Mortgage LLC. Individual MLO licensing applies.
TX
Texas
FL
Florida
CO
Colorado
AZ
Arizona
MN
Minnesota
Videos
See the comp, the tech, and the culture — in plain video. No scripts, no corporate polish.
Comp & Earnings
Transparent math. No hidden splits, no fine print.
- Coming Soon275 bps Minus $995 — Let Me Show You the Math
- Coming SoonWhat a 3-Loan/Month MLO Actually Takes Home
Tech Stack
AI does the busywork. You do the advising.
- Coming SoonWhat the $995 Pays For — Marcus in Action
- Coming SoonHow I Locked a Loan in 4 Minutes
Day in the Life
Real MLOs. Real workflows. No corporate montage.
- Coming SoonNo Meetings. No Micromanaging. Just Do Loans.
- Coming SoonA Day in the Life at Zip Mortgage
Market Updates
Weekly rate analysis and what it means for your pipeline.
- Coming SoonWhy I Started My Own Mortgage Company
- Coming SoonThis Week in Mortgage — Rate Environment Analysis
Videos will be published on our YouTube channel. Subscribe to get notified.
What we're looking for
- ✓Active MLO license in TX, FL, CO, AZ, or MN
- ✓Currently producing — ideally 1+ closings/month (no hard floor, but the comp structure rewards volume)
- ✓Self-motivated— if you need someone to manage your pipeline, this isn't the right fit
- ✓Tech-comfortable— you don't need to code, but you should be excited about AI tools that eliminate busywork
No production requirements. We expect roughly one deal a month, but there's no penalty if life happens. We'd rather have quality MLOs who close well than volume chasers.
Ready to run your own numbers?
No recruiter calls. No pitch decks. Just a conversation about whether the math works for you.
Zip Mortgage LLC — NMLS 1752164