Harmony Mortgage Inc.
Job Description
Job Description
Mortgage Loan Officer – Keep 100% Commission (Flat Fee Model)
Location: Palm Bay, FL (Remote available statewide) Harmony Mortgage Inc. | Happy2Lend.com
About Us Harmony Mortgage is a Florida-based mortgage brokerage built on one simple belief: Loan Officers should keep more of the money they earn. Unlike traditional brokerages with 70/30 or 80/20 splits, we offer a
100% commission structure
with a low flat fee per loan. Our mission is to empower motivated Loan Officers with top-tier technology, compliance, and support — without the high cost of giving away your paycheck.
What We Offer
100% Commission – Flat $950 per closed loan
Optional in-house processing:
$400 per file
Tech/Admin Fee:
$149 per month
✅ Full LOS, CRM, pricing engine, and compliance support
✅ AI receptionist (Janet) for borrower calls and inquiries
✅ E&O insurance coverage included
✅ Marketing, branded landing pages, and social media support
✅ Remote flexibility – originate from anywhere in Florida
Why Join Harmony Mortgage? Average MLO are closing 2-3 loans per month with Harmony Mortgages ($211,200 - $316,800 per year) with top producers far exceeding $600k+ take home annually.
At most brokerages, Loan Officers give away
30–50% of their commission . At Harmony, you keep it.
Example (2.75% comp, $320k loan)
Traditional 70/30 split → $6,160 take-home
Harmony flat fee → $8,800 take-home
That’s $2,640 more in YOUR pocket — per loan.
Qualifications
Must have an Active Florida NMLS license
2+ year mortgage origination experience preferred (motivated new LOs welcome)
Ability to self-source business (we provide marketing tools to help)
Strong customer service and compliance mindset
Compensation
100% Commission – Flat Fee Model
Unlimited earning potential
Close more loans → keep more money
How to Apply Apply today on ZipRecruiter or visit Happy2Lend.com/join-the-team to learn more.
Company Description Harmony Mortgage Inc. was founded in 2004 by broker-owner Jason Carrasquillo with one clear goal — to simplify lending and empower Loan Officers to earn more.
Based in Palm Bay, Florida, Harmony is a full-service mortgage brokerage built on transparency, technology, and teamwork. We offer a flat-fee compensation model that allows licensed Loan Officers to keep 100% of their commissions while benefiting from full compliance, LOS access, marketing tools, and in-house support.
Our mission is simple:
To help loan professionals succeed without limits — no desk fees, no quotas, no micromanagement.
We believe in innovation, integrity, and independence. Whether you’re an experienced MLO or a motivated originator ready for more freedom, Harmony Mortgage Inc. provides the tools, culture, and leadership to help you thrive.
Visit happy2lend.com to learn more about our programs and opportunities.
#J-18808-Ljbffr
Mortgage Loan Officer – Keep 100% Commission (Flat Fee Model)
Location: Palm Bay, FL (Remote available statewide) Harmony Mortgage Inc. | Happy2Lend.com
About Us Harmony Mortgage is a Florida-based mortgage brokerage built on one simple belief: Loan Officers should keep more of the money they earn. Unlike traditional brokerages with 70/30 or 80/20 splits, we offer a
100% commission structure
with a low flat fee per loan. Our mission is to empower motivated Loan Officers with top-tier technology, compliance, and support — without the high cost of giving away your paycheck.
What We Offer
100% Commission – Flat $950 per closed loan
Optional in-house processing:
$400 per file
Tech/Admin Fee:
$149 per month
✅ Full LOS, CRM, pricing engine, and compliance support
✅ AI receptionist (Janet) for borrower calls and inquiries
✅ E&O insurance coverage included
✅ Marketing, branded landing pages, and social media support
✅ Remote flexibility – originate from anywhere in Florida
Why Join Harmony Mortgage? Average MLO are closing 2-3 loans per month with Harmony Mortgages ($211,200 - $316,800 per year) with top producers far exceeding $600k+ take home annually.
At most brokerages, Loan Officers give away
30–50% of their commission . At Harmony, you keep it.
Example (2.75% comp, $320k loan)
Traditional 70/30 split → $6,160 take-home
Harmony flat fee → $8,800 take-home
That’s $2,640 more in YOUR pocket — per loan.
Qualifications
Must have an Active Florida NMLS license
2+ year mortgage origination experience preferred (motivated new LOs welcome)
Ability to self-source business (we provide marketing tools to help)
Strong customer service and compliance mindset
Compensation
100% Commission – Flat Fee Model
Unlimited earning potential
Close more loans → keep more money
How to Apply Apply today on ZipRecruiter or visit Happy2Lend.com/join-the-team to learn more.
Company Description Harmony Mortgage Inc. was founded in 2004 by broker-owner Jason Carrasquillo with one clear goal — to simplify lending and empower Loan Officers to earn more.
Based in Palm Bay, Florida, Harmony is a full-service mortgage brokerage built on transparency, technology, and teamwork. We offer a flat-fee compensation model that allows licensed Loan Officers to keep 100% of their commissions while benefiting from full compliance, LOS access, marketing tools, and in-house support.
Our mission is simple:
To help loan professionals succeed without limits — no desk fees, no quotas, no micromanagement.
We believe in innovation, integrity, and independence. Whether you’re an experienced MLO or a motivated originator ready for more freedom, Harmony Mortgage Inc. provides the tools, culture, and leadership to help you thrive.
Visit happy2lend.com to learn more about our programs and opportunities.
#J-18808-Ljbffr