Here at Lower, we believe homeownership is the key to building wealth, and we’re making it easier and more accessible than ever. As a mission-driven fintech, we simplify the home-buying process through cutting-edge technology and a seamless customer experience.

With tens of billions in funded home loans and top ratings on Trustpilot (4.8), Google (4.9), and Zillow (4.9), we’re a leader in the industry. But what truly sets us apart? Our people. Join us and be part of something bigger.

Job Description:

Lower is a top 25 tech-driven retail mortgage lender dedicated to helping more people achieve homeownership and build wealth through real estate. We combine innovative technology with a personalized, local lending approach, giving our branches and loan originators the tools, speed, and support to deliver an exceptional experience for borrowers and referral partners. Our focus is on simplifying the mortgage process, driving growth for our branches, and setting the standard for service in the retail mortgage industry.

We are seeking a highly experienced Licensed Loan Officer Assistant (LOA) to support a top-producing Mortgage Loan Originator in the Houston market. This role is ideal for a detail-oriented, proactive professional who thrives in a fast-paced, high-volume environment and has deep knowledge across multiple loan products.

The ideal candidate will act as a true partner to the originator—managing files from application through closing, ensuring exceptional borrower experience, and helping drive consistent, scalable production.

What you'll do:

• Serve as the primary operational support for a high-producing Loan Originator
• Take complete loan applications and manage files from initial disclosure through closing
• Analyze borrower documentation (income, assets, credit, guidelines) for accuracy and completeness
• Structure and package loans across Conventional, FHA, VA, and Non-QM programs
• Communicate directly with borrowers, real estate agents, processors, underwriters, and title companies
• Ensure compliance with federal, state, and investor guidelines
• Proactively identify and resolve issues that could delay approval or closing
• Maintain pipeline reports and ensure deadlines are consistently met
• Deliver a white-glove borrower experience that supports referral-based growth

Who you are:

• Active NMLS license (Texas required)
• Minimum of 3 years’ experience as a Loan Officer Assistant or Loan Officer
• Significant hands-on experience with:
  • Conventional
  • FHA
  • VA
  • Non-QM loan products
• Strong understanding of underwriting guidelines and loan structuring
• Proven ability to manage a high-volume pipeline with precision and urgency
• Exceptional communication and organizational skills
• High level of professionalism, accountability, and discretion

Preferred Qualifications:

• Experience supporting a top-producing or high-volume originator
• Non-QM expertise beyond bank statement loans (DSCR, asset-based, etc.)
• Tech-savvy with Encompass experience
• Self-starter mindset with the ability to anticipate needs and take ownership

Why you’ll love it:

• You’ll feel rewarded for your work—both financially through uncapped commission and through knowing you’ve made a difference to your customers by helping them with one of the most important life decisions
• Support a top producer with a consistent, high-quality pipeline
• Long-term growth opportunity with a stable, successful originator
• High autonomy and trust—your expertise will be valued and utilized
• Fast-paced, rewarding role with meaningful impact on production and client satisfaction

When you join:

• You’ll join a locally and nationally recognized best place to work that values promotion from within.
• Plus:
  • Competitive compensation plan
  • Extended benefit offerings including:
    • Medical/dental/vision
    • Paid holidays 
    • Paid time off
    • Maternity/Paternity leave
    • Life insurance
    • Short- and long-term disability
    • 401K with company match
  • Discount on home mortgage refinances or purchases

Where you’ll work:

• Houston, TX either on-site or hybrid capacity (based on your preference)

Compensation:

• base + performance based incentives. OTE potential is $100k+

Lower provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.

This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.

Lower provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.

This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.

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