Mortgage Loan Originator / Qualified Individual… at Opendoor · Tempe

About Opendoor

At Opendoor our mission is to tilt the world in favor of homeowners and those who aim to become one. Homeownership matters. It's how people build wealth, stability, and community. It's how families put down roots, how neighborhoods strengthen, how the future gets built. We're building the modern system of homeownership giving people the freedom to buy and sell on their own terms. We’ve built an end-to-end online experience that has already helped thousands of people and we’re just getting started.

The Role

• Opendoor is building a mortgage lending operation from the ground up. We're looking for a licensed Mortgage Loan Originator (MLO) to join our team at Opendoor Home Loans main office and serve as a Qualified Individual (QI) for certain states.
• Your role is to keep transactions moving forward, guide borrowers when they need a human touch, and ensure we meet regulatory requirements across multiple states.
• We're looking for someone who is comfortable wearing multiple hats, contributing beyond origination, and growing with the business as it scales. This is a salaried position with equity. Compensation structure is 50% base / 50% commission.

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What You'll Do

• Serve as the designated Qualified Individual (QI) based at the Opendoor Home Loans main office, covering QI requirements for states including, for example, CA, CT, DE, MA, PA, RI, and VT
• Originate loans, help borrowers through applications, and offer/negotiate loan terms in full compliance with applicable federal and state laws
• Guide borrowers through a technology-driven origination process, providing support and clarity when the self-service platform requires human intervention
• Manage a loan pipeline in a high-volume, technology-enabled origination environment
• Collaborate with engineering, product, compliance, and operations teams to refine and improve the mortgage workflow
• Contribute to other areas of the mortgage operation as the business scales, including, among other things,, process improvement and quality assurance
• Maintain active MLO licensing across required states and fulfill continuing education requirements

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What You'll Need

• Active NMLS registration and MLO license(s) in good standing; ability and willingness to obtain additional state MLO licenses quickly
• Minimum 5 years of verifiable mortgage origination or mortgage banking experience, including relevant managerial experience, as required for Qualified Individual designation
• State-level licensing (not federal/bank-only licensing); experience at a non-bank lender or independent mortgage company strongly preferred
• Proficiency with conventional (Fannie Mae/Freddie Mac), FHA, and VA loan programs and guidelines
• Demonstrated understanding of the the SAFE Act and state license requirements, including licensable activities, NMLS filings, continuing education, and renewal requirements
• Clean credit and employment history; must satisfy character and fitness standards in all states where required
• Comfort with technology-driven workflows and willingness to work in a non-traditional, AI-first mortgage environment
• Strong communication skills and ability to guide borrowers clearly through a digital-first mortgage process

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Bonus Points

• Experience at a tech-forward mortgage company or fintech lender
• Background as a mortgage loan officer assistant, loan processor, or compliance professional with an active MLO license
• Multi-disciplinary experience beyond pure origination (compliance, marketing, operations)
• Experience working in a startup, high-growth, or early-stage lending environment

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