JOIN OUR TEAM

Why Join The Big Mortgage?

We are inviting Mortgage Loan Originators (MLO’s) to join THE BIG MORTGAGE. It could be a great choice for various reasons, depending on your career goals and aspirations. Here are some reasons why you should consider joining THE BIG MORTGAGE

Who We Are: THE BIG MORTGAGE is the dba name for Ram Realty and Mortgage Inc. Ram Realty and Mortgage is a Real Estate Brokerage Company and Mortgage Brokerage Company.
No Minimum Loan Closing Required: We do not have any minimum transaction/loan closing requirements. Close your deals when you have clients. Conditions may apply.
No Desk Fees, No Monthly Fees. The Big Mortgage do not have any desk fees or any monthly fees. Our fees are transparent. We do not have any hidden fees.
Go Independent: Work as an Independent Loan Officer. You are considered as a 1099 employee but not a W2 employee. You get paid as a 1099 Self-Employed contractor.
Dual Transaction OK. If you are California licensed Real Estate Agent and Mortgage Loan Originator, we allow you to do a dual transaction. Represent your client as a Real Estate Agent and Mortgage Loan Originator in the same transaction.
Training and Support Provided: Either you are new in the mortgage industry or you have several years of experience, we are always here to support you. Our goal is to make you succeed and help you close more deals.
Third Party Fees: Loan Officers and Real Estate Agents are responsible to pay any third party fees involved during their transaction or growing their business or managing their business. The company is not responsible and liable to pay such fees. (For example- email subscription, credit Report fee, Calyx POS, third party marketing services, CRM services, third party loan processor, Point-of-sale system (POS's and many others.)
Offer your clients Wholesale Rates: As we are a mortgage brokerage company, we work with 100+ wholesale Lenders. This gives you power to offer best mortgage rates and different loan program options.
Process Loan file yourself: We do not have an in-house processor. Loan Officers can process his/her loan files themselves. You handle and control your loan pipelines yourself.
Direct Communication with Lenders: As a licensed Loan Officer, you get direct access to Lender's Broker portal. You can price your loan yourself. You may contact directly to each and every lenders if you have any questions. Assigned Account Executive will be available for each lender to help you. You can communicate with Underwriters directly.
Wholesale Lenders: Submit your loan to lenders you prefer. We have lenders for all types of loan programs that you want to submit and close. We keep adding lenders as needed.
Residential and Commercial Transaction OK: Closed Residential and Commercial deals with us, subject to your state approval and licensing.
Work from anywhere: We do not have any physical office. You are welcome to Work remotely, work from home. Close your deals from anywhere inside the USA.
Industry’s best compensation Split. We offer the industry’s best compensation split. We do not have any hidden fees. We offer the industry's best compensation split to Loan Officers.
No stress, work freely. We are flexible. There is no minimum number of loan closing requirements per month with us. We do not want you to take any stress and pressure. We know many companies have minimum loan closing requirements per month if you want to work with them, otherwise they remove your sponsorship. But we are different from others. Close your deals when you have clients.
Zero Tolerance Policy: THE BIG MORTGAGE has a Zero tolerance policy for any fraudulent activities. There is no excuse for this. If we found you are involved or doing any fraudulent activities, we will directly report to State and Federal licensing agencies. Also, your licensed will be suspended immediately and you may lose your license permanently.
Welcome to Happy Family. Joining THE BIG MORTGAGE means you are a part of our happy family. We are all one team and with one dream.

Let’s serve the People, Let's serve the community - Let's work together in the mission.

Frequently Asked Questions

Am I considered 1099 Employee or W2 Employee?

Loan Officer is considered a Self-Employed person. We hire Mortgage Loan Originator as 1099 employee. 1099 document will be issued at the end of the year.

How quickly do I get my compensation paid?

We pay your compensation within 24 hours. All required documents and compliance requirements must be meet before we send your checks out.

Do I have to pay any monthly fees or Desk Fees?

THE BIG MORTGAGE do not charge any monthly fees. However, if you are using any 3rd party services, tools or technology to grow your business, each loan officer is responsible to any such 3rd parties fees themselves.

Do you provide training to New Loan Officers?

Yes, We provide training and support either you are a new Loan Officer or Experienced Loan Officer.

Can I process my Loan myself?

Yes, as a licensed MLO, you are allowed to process your loan files yourself.

Can I use any lender, Title company or Escrow Company for my client's transaction?

YES, you can use any third party company that you prefer to use for your clients.

How do I pull my client's credit?

We will set you up with a sub-account with one of our approved credit vendors. Each loan officer is responsible for their billing with each credit vendor.

Can I Run my own ads?

Yes, you can run your own advertisement. However it is very important that your ads meet Compliance requirement. All advertising must show THE BIG MORTGAGE name. This applies to any form of advertising, including, but not limited to, print, radio, television, and the internet. Any form of advertising without obtaining approval from us will lead to immediate termination.

Do you provide Leads?

We can help you with how to generate your own leads. How to purchase third party leads. But, at present moment, we do not provide free leads.

Do you Provide Office Space?

No, we do not provide office space. All of our MLO's work remotely. There is no requirements for loan officers to come to our office. 99% of our work is perform virtually, through Zoom meeting, email, phone, website.

Do I need DRE MLO License or DFPI MLO License? (for California Loan Officers)

An MLO with an ACTIVE DRE MLO license endorsement does not need a DFPI MLO license to work for a CRMLA or CFL company. However, an MLO with an INACTIVE DRE MLO license endorsement must obtain an MLO license from the DFPI to work for a CRMLA or CFL company.

For currently licensed real estate salespersons, holding an ACTIVE DRE MLO license endorsement means that you are employed by (1) a properly licensed real estate broker which holds an active MLO license endorsement as a sole proprietor, or (2) a licensed real estate corporation which holds an active MLO license endorsement. As a salesperson, once your employment with a properly licensed MLO real estate broker is terminated, your MLO status will be changed from active to inactive and you will have to obtain an MLO license from the DFPI in order to continue to work for a CRMLA or CFL company.

For currently licensed real estate brokers, holding an ACTIVE DRE MLO license endorsement means that (1) you hold an active MLO license endorsement as a sole proprietor, or (2) you are employed as a broker associate by a properly licensed real estate broker which holds an active MLO license endorsement as a sole proprietor, or by a licensed real estate corporation which holds an active MLO license endorsement. As a broker associate, once your employment with a properly licensed MLO real estate broker is terminated, your MLO status will be changed from active to inactive and you will have to obtain an MLO license from the DFPI in order to continue to work for a CRMLA or CFL company.

What is a Mortgage Loan Originator?

A mortgage loan originator (MLO) is an individual who, for compensation or gain, or in the expectation of compensation or gain, takes a residential mortgage loan application or offers or negotiates terms of a residential mortgage loan.

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THE BIG MORTGAGE nmls#2459536

Main Office: 26035 Moulton Parkway Apt 70, Laguna Hills, CA 92653

Unauthorized copying, distribution and / or use of contents or images will result in immediate litigation.

Disclaimer:

The content in this website is for educational purpose only. This is not a commitment to lend a loan. Actual rates, payments, savings, loan terms, APR, and qualification requirements will vary based on individual borrower circumstances, credit, income, property type, property value, loan-to-value ratio, loan program, market conditions, and other factors. Refinancing or financing may involve closing costs and other fees. Please consult with a qualified mortgage professional to determine whether refinancing/financing is appropriate for your circumstances. All loans are subject to credit approval and underwriting guidelines. Rates and terms are subject to change without notice. Rates cannot be guaranteed until it is locked.

Ram Realty and Mortgage Inc. dba THE BIG MORTGAGE dba the Big brokers.

Disclaimer: This is not a commitment to make a loan. All approvals are subject to underwriting guidelines & Lender approval. Loans subject to borrower qualifications, property evaluation and credit approval. Rates and terms subject to change based on market conditions and borrower eligibility. For details please consult with licensed Loan Officers/Brokers. Equal Housing Opportunity.

WE ARE HIRING MORTGAGE LOAN ORIGINATORS!

HOW TO JOIN THE BIG MORTGAGE!

Why Join The Big Mortgage?

Frequently Asked Questions

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Please feel free to write us if you have any questions! For quick response please call/text at (323)-955-4444 during normal business hours from 9AM - 5PM.