What Remote LO Offers Loan Officers: Benefits and Support
Updated: Oct 12
Remote LO offers loan officers a work-from-home program with access to a lending platform, pricing tools, training, and a CRM and lead system. Its plans range from a beginner option with a mentor to plans offering 100% commission, with different monthly and per-loan fees. Licensing requirements depend on the loan type and state.
Key takeaways
Choose from three plans with different commission structures and fees.
The Beginner plan includes a mentor and an 80% commission structure.
Licensed members can access a CRM, lead system, training, and lending tools.
Some investment and commercial loans do not require a license in listed states.
If you’re comparing remote loan officer jobs, it helps to look beyond the work-from-home setup. You’ll also want to understand how pay works, what tools are included, and what training or licensing applies. Here’s what Remote LO offers to loan officers, based on the program details published on its website.
Remote LO is a nationwide loan officer program operated under the name Mortgages for America. Its stated goal is to help loan officers retain more of their income while working remotely. Members are paid through their company or a newly formed company via a 1099, so this is not described as a traditional salaried employee role.
What does Remote LO offer loan officers?
Remote LO combines a remote business setup with lending resources and several membership plans. Depending on the plan and the member’s license, the program offers access to:
A personalized website with a CRM and lead system
A lending platform and pricing engine
Soft and hard credit pulls at no charge, as stated on the site
Extensive lender and marketing training
A mentor on the Beginner plan
An opportunity to build a team under the program
Licensed members can also access the JUPITER Loan Origination System and business cards. The website lists additional resources, including an AI analysis tool for fix-and-flip projects, a pre-approval term sheet generator, and access to programs related to SBA loans, 1031 exchanges, and credit repair. Check with Remote LO to confirm which services apply to your plan and situation.
How do Remote LO’s commission plans compare?
The main differences are the monthly fee, commission share, and fee charged per closed loan. Review the current terms with Remote LO before choosing, since a higher commission percentage does not by itself show your total costs.
| Plan | Monthly fee listed | Commission structure | Per-loan fee listed | |---|---:|---|---:| | Beginner | $12 | 80% commission; includes a mentor | Not specified on the page | | Starter | $95 | 100% commission | $695 per closed loan | | Pro | $495 | 100% commission | No closed-loan fee |
The company says it does not split commissions and that a member’s company receives 100% of lender- or borrower-paid compensation under the 100% commission structure. However, the Starter plan has a $695 closed-loan fee, and the site lists a $295 quality control fee charged to the borrower. Full processing is available and may also be charged to the borrower. Ask how these charges apply to a specific transaction.
These are the remote loan officer commission plans published on the website. The Beginner plan may suit someone who values mentorship and a lower monthly fee, while the other plans have different fee and commission tradeoffs. Compare the monthly cost, transaction fees, included support, and any borrower-paid charges before deciding. For more detail, visit the Remote LO membership program.
What support and training can members use?
Remote LO describes training for lenders and marketing, along with direct access to its lending platform and pricing engine. The site also offers an optional service providing access to six AI employees for $24 per month, and lists discounted shared health insurance through Medi-Share.
The company also describes access and training for SBA loans and 1031 exchanges, plus a credit repair program. These are resources to ask about, not a promise that every member will receive every service under every plan. Confirm what is included, what costs extra, and what training is available for the loan products you want to offer.
For loan officers looking for a loan officer plan with a mentor, the Beginner plan is the one the site specifically identifies as including mentoring. That can be useful for someone who wants guidance while learning the program. It does not remove licensing, compliance, or experience requirements that may apply to the work.
Can you join without a loan officer license?
Remote LO’s website says no license is required for investment and commercial loans in 46 listed states. That statement does not mean a license is unnecessary for every mortgage product or in every state. State rules and loan types matter, so confirm requirements with Remote LO and the relevant licensing authority before taking applications or discussing terms with borrowers.
The site lists licensed operation in California, Colorado, Florida, Idaho, Minnesota, Nevada, Ohio, Pennsylvania, and Texas, and says additional states may be available. If you are researching remote loan officer jobs no license required, treat the no-license information as applying to the specified investment and commercial lending activity—not as a general exemption for residential mortgage lending.
Remote LO may be worth exploring for people considering a career change or looking into remote loan officer jobs entry level. But the website does not promise a job for applicants with no experience or say that licensing and training are unnecessary. Ask what onboarding and supervision look like for your background and intended loan type.
Can members work from home and build a team?
The program is designed for loan officers to work from home. After five closed loans, members may operate under their own DBA company name, according to the website. Remote LO also says members can recruit and manage their own staff and set their own pay scale.
The site describes payment to the member’s company, or a newly formed company, via a 1099. If you’re comparing remote loan officer jobs work from home, make sure you understand the responsibilities that come with this arrangement. Ask about business setup, taxes, expenses, and any obligations you would have as an independent contractor or business owner.
How should you evaluate Remote LO before joining?
Use these steps to decide whether the program fits your goals:
Confirm your licensing path. Identify the states and loan types you plan to work with, then verify the requirements that apply.
Compare total plan costs. Review the monthly fee, any per-closed-loan fee, borrower charges, and optional services.
Ask about the work process. Find out how platform access, processing, leads, and training work for your chosen plan.
Clarify the business arrangement. Understand the 1099 payment structure and what you need to set up or manage yourself.
Consider your support needs. Ask whether the Beginner plan’s mentor or other training resources fit your experience level.
These questions can help you compare remote loan officer positions without assuming that every role has the same pay, benefits, or licensing rules. To learn more about the program and its current terms, contact Remote LO through its website.
Is Remote LO a fit for your loan officer goals?
Remote LO presents an option for loan officers who want to work remotely, access lending and marketing resources, and choose among different commission plans. Its listed plans vary significantly: the Beginner plan includes a mentor and an 80% commission structure, while Starter and Pro list 100% commission with different fees.
The best fit depends on your license, loan focus, expected business costs, and how much guidance you want. If you are exploring how to become a remote loan officer, verify the licensing steps for your target states and products, then ask Remote LO for the current program details in writing.
Contact Remote LO
Have questions about the plans, training, or licensing requirements? Contact Remote LO to discuss your situation.
Kenneth Burrows, CEO Phone: 888-320-7888 Email: Ken@MortgagesforAmerica.org Address: 298 Kingsbury Grade, Suite 2E Stateline, NV 89449 Contact Remote LO
Frequently asked questions
Does Remote LO offer a plan with a mentor?
Yes. Remote LO lists a Beginner plan with a mentor and an 80% commission structure. Its website lists the monthly fee as $12.
Does Remote LO offer a 100% commission plan?
The Starter and Pro plans list 100% commission. Starter also lists a $695 fee per closed loan, while Pro lists no closed-loan fee.
Can I work with Remote LO without a loan officer license?
Remote LO says no license is required for investment and commercial loans in 46 listed states. Licensing requirements vary by state and loan type, so verify what applies to your intended work.
Does Remote LO provide tools and training?
The website lists a CRM and lead system, lending platform, pricing engine, and lender and marketing training. Some tools are identified as available only to licensed members, so confirm access for your plan.
Are Remote LO members paid as employees?
The website says a member’s company or newly formed company is paid via a 1099. Ask Remote LO and a qualified tax professional how that arrangement applies to your circumstances.
About Kenneth Burrows
Kenneth Burrows - CEO, Remote LO
I have been in the Finance Business for 30 years. I created Mortgages for America to do what the name says: provide good Mortgages to Americans. We do specialize in VA loans, but we also handle hard-to-do loans. I've also specialized in Vacation Rental loans for almost 15 years.
Phone: 888-320-7888
Email: Ken@MortgagesforAmerica.org
Address: 298 Kingsbury Grade, Suite 2E Stateline, NV 89449
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