HELLO, MORTGAGE LOAN ORIGINATOR!

We are inviting Mortgage Loan Originators (MLO’s) to join RAM REALTY AND 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 Ram Realty and Mortgage.

1. Who We Are: Ram Realty and Mortgage Inc. is a Real Estate Brokerage Company and Mortgage Brokerage Company. Our main office is in Laguna Hills, California. As a Mortgage Company we are currently licensed in California, Texas and Colorado states. 
2. No Minimum Closing Required: We do not ask you to leave if you do not close any deals. We do not have any minimum transaction closing requirements. Close your deals when you have clients. We do not pull our sponsorship, we do not ask you to leave the company even if you do not close any single transaction in a year. We consider you as a part of our family. You can hang your license with us as long as you want.
3. No Desk Fees, No Monthly Fees. We do not charge any desk fees or any monthly fees. Our fees are transparent. We do not have any hidden fees.
4. Go Independent: Work as an Independent person. You are considered as a 1099 employee but not a W2 employee. You get paid as a 1099 Self-Employed contractor.
5. 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. 
6. Training and Support Provided: No one is perfect. 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.
7. 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. Ram Realty and Mortgage Inc. 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.)
8. Offer your clients Wholesale Rates: As we are a mortgage brokerage company, we work with so many wholesale Lenders. Give your clients Wholesale mortgage rates.
9. Process yourself:  We do not have an in-house processor. Loan Officers can process his/her loan files themselves. You may also hire a third party Loan Processor you like. You handle and control your loan pipelines yourself. 
10. 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. 
11. Wholesale Lenders: Submit your loan to lenders you prefer. We partner with more than 70+ Lenders. We have lenders for all types of loan that you want to submit and close. We keep adding lenders as needed. You may close residential, commercial & Business deals with us. 
12. Save more on your commission checks: Our brokerage has the lowest compensation fee split in the mortgage industry compared to other mortgage companies. Many other companies take money from your commission checks more than 30%, where our company has a very small split. Therefore, joining us means you save more money, putting more money in your pocket and paying very little to the brokerage.
13. Residential and Commercial Transaction OK: Closed Residential and Commercial deals with us, subject to your state approval and licensing.
14. 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.
15. 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 and Realtors.
16. 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.
17. Get paid quickly. We pay your commission check as soon as we receive the wire from the escrow. We do not hold your checks.
18. Zero Tolerance Policy: Ram Realty and 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. 
19. Welcome to Happy Family. Joining Ram Realty and Mortgage Inc. means you are a part of our happy family. We are all one team and with one dream. We are here to support each other and grow together. We can only succeed and achieve our goals when we work together as a team.

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