Careers at Xpert Home Lending

Redefine Your Career at Xpert Home Lending

We empower loan officers to take control of their careers with unmatched freedom, support, and growth opportunities.

Explore the Opportunity →

Why Xpert

What Sets Us Apart?

Entrepreneurial Freedom

Build your own brand and process while supported by industry experts.

Scalable Business Growth

Licensed in 43 states and Washington, D.C., we provide the foundation to expand your reach nationwide.

Industry Leading Compensation

Our platform allows loan officers to earn more and keep more of their money.

No Conflict of Interest

Retail lenders push higher rates to make more money. We keep flat fees and low margins so we can attract the best loan officers in the industry.

A quick look at the platform built for high-producing loan officers.

Looking to join a team that maximizes your capabilities?

The platform at Xpert Home Lending was created with a sole focus: enabling great loan officers to maximize their potential. Our culture is built around continuous improvement — we believe the companies and loan officers that thrive are the ones that know “good” is just not good enough.

A loan officer who thrives at Xpert Home Lending desires Control:

Control of your process Control of your income Control of your career

Join Our Team →

01 — The Platform

Control of Your Process

Create and send disclosures to borrowers in minutes.

Choose your level of support — get a processor or LO assistant, or process files yourself.

Leverage industry-leading technology and LOS systems to streamline workflows and spend your time generating business.

Xpert is a top-10 partner at UWM, earning Diamond Account status and the fastest turn times in the industry.

Get cleared to close as fast as anyone in the industry — and sell that speed and efficiency to referral partners.

Choose between 90+ wholesale lenders to find the perfect program for even the most niche situations, including commercial lending.

The Xpert Home Lending team collaborating

Hear From Our Team

We Do What We Say We Will Do

Loan officers who made the move, in their own words.

“

Was able to change from Broker Owner to Individual LO and still keep my brand. My clients didn’t know — I am just powered by Xpert.

Michael Socha

The Socha Lending Group

“

We’d always hear from the banking and the real world that the broker world can’t close loans, that there is no support. That has been the farthest from the truth.

Matthew Hardy

Greenlight Mortgage Group

“

They [Xpert Leadership] have had the highest Do/Say Ratio of any of the leaders we have worked with.

Tyler Lucks & Quinn Moran

Legacy Lending

02 — Compensation

Control of Your Income

Our corporate team focuses on efficiency and avoids bloated rate sheets, helping us provide industry-best compensation.

Your existing book of business is immediately worth MORE money to you when you join Xpert Home Lending.

Build your business around your lead sources — buy leads, run ads, or work agent referrals. The platform tailors to YOUR business, not someone else’s.

Get access to over 3,500 bps a year worth of pricing incentives above and beyond already-competitive rates.

Build a team of loan officers or a referral network and generate uncapped residual income.

03 — Your Career

Control of Your Career

Operate as a DBA. Build and control YOUR brand.

Work as much or as little as you want to achieve your own Work-Life Harmony.

Control your schedule and work the times you want.

Get access to paid in-person training at our partners’ headquarters, with a robust list of topics for even the most seasoned loan officer.

Flex your entrepreneurial muscle and run your business the way you always wanted — not the way a micromanaging company told you to.

Licensed in 43 states and Washington, D.C., enabling you to grow your business well beyond your local market.

FAQ

Frequently Asked Questions

Some of the most common questions from loan officers coming to our platform.

Is Xpert Home Lending set up the same as other mortgage brokers I have heard of?+

XHL is "all that and more." We have a correspondent channel with UWM as well as broker relationships with 90+ lenders. This hybrid model gives us the best of both worlds and is a game changer for high-producing loan officers.

My agent partners want quick turnarounds for purchases — will I be able to close quickly?+

Yes! We have some of the fastest underwriting and closing times in the industry, with same-day fundings. LOs are regularly able to start and close loans in 14 days or less.

Am I going to be getting paid 1099 or W2?+

We go off the guidance we have been given from state regulators. If you complete a loan in a state that allows it, we will pay 1099 immediately after getting paid on the loan. If not, we will pay W2 semi-monthly.

I have a client base that requires non-conventional products. Is that available?+

Yes! Our network of 90+ lenders makes sure that if you can't say "Yes" to a deal, no one can! These include Bank Statement, DSCR, ITIN, Jumbo, ARMs, No-Doc, Commercial and more!

Why is it that the rates on the broker channel are better than at retail lenders?+

When a loan officer works at a retail lender, they sell that lender's products. With strong relationships, the retail lender can raise margins and leverage the LO's trust to make more money. When 90+ lenders compete for your business every day, it forces wholesale lenders to keep rates low — because as a broker, you can easily take your business elsewhere.

Am I going to be able to speak directly with underwriting to help solve loan-related issues?+

Yes! When doing loans at UWM and through our correspondent channel, you can call the underwriter on your file and talk to them directly to find answers.

How would I know if I am NOT a good fit for Xpert Home Lending?+

If you are an inexperienced, low-producing loan officer who expects to be "fed" leads, you are unlikely a good fit. We keep our margins small so that experienced loan officers with existing business contacts can get all the help they need without paying for bloated services they don't use.

Explore Xpert

Why Wait?

In minutes you could be learning more about a platform that has — literally — changed the lives of loan officers just like yourself.

The opportunity is not for everyone. But if you consider yourself an experienced, high-producing loan officer looking for something more than what you are currently getting — it might be for you.

Want to Join Xpert?

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What interests you most?

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An advisor will follow up with you personally.

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