Licensed Mortgage Agent | Level 1 or Level 2

Mortgage Brain AI | Remote, Ontario | Full-Time, Flexible Schedule

Compensation: 100% Commission-Based | Company-Provided Leads | Uncapped Earning Potential

Licensing: Active Ontario Mortgage Agent Level 1 or Level 2 licence required.

About Mortgage Brain AI

Mortgage Brain AI helps Ontario homeowners explore mortgage and home-equity solutions, including refinancing, debt consolidation, and accessing home equity.

We combine smart technology with personalized mortgage advice to help clients better understand their options and make informed financial decisions.

We're looking for a motivated, experienced, and client-focused Mortgage Agent who enjoys helping homeowners find suitable mortgage solutions while maintaining strong client relationships.

We provide incoming leads and professional referrals. You won't be expected to generate your own clients or build a personal book of business.

About the Role

As a Mortgage Agent working with Mortgage Brain AI, you'll manage assigned mortgage opportunities from initial consultation through application, lender review, and funding.

You'll work with Ontario homeowners looking to refinance, consolidate debt, access home equity, or address financial challenges.

Many of our clients have unique financial circumstances, so we're looking for someone who can assess their situation, explain their options clearly, and recommend appropriate mortgage solutions within their licensing authority.

You'll also work alongside our established client intake and administrative support team, helping you focus on mortgage assessments, applications, client relationships, and funded transactions.

This opportunity is ideal for an agent who enjoys working with clients and wants to spend less time prospecting and more time managing mortgage opportunities.

What You'll Do

Client Consultations & Mortgage Solutions

Connect with prospective clients through company-provided leads and professional referrals.

Conduct mortgage consultations to understand clients' financial circumstances, borrowing needs, and goals.

Review relevant financial information, including income, mortgage balances, debts, credit circumstances, and property details.

Assess mortgage eligibility and suitability within your licensing authority and experience.

Recommend appropriate mortgage solutions and explain available options, costs, and considerations.

Support homeowners exploring refinancing, debt consolidation, and home-equity lending.

Communicate professionally and empathetically with clients experiencing financial challenges.

Mortgage Applications & File Management

Manage assigned mortgage opportunities from initial consultation through application, lender review, and final outcome.

Collect and review financial information and supporting documentation.

Prepare mortgage applications and coordinate submissions to appropriate lenders.

Work closely with underwriters, lenders, clients, and internal team members.

Respond to outstanding documentation requests and help resolve file-related issues.

Keep clients informed throughout the mortgage process.

Clearly communicate when a mortgage solution is not appropriate or available.

Client Follow-Up & CRM Management

Maintain timely communication with assigned leads and active clients.





Manage client follow-ups to keep suitable mortgage opportunities progressing.

Maintain accurate client notes, application statuses, follow-up activities, and outcomes in our CRM.

Coordinate with our intake and administrative support team to ensure smooth client handoffs.

Monitor assigned opportunities and identify files requiring additional attention.

Maintain organized client records and follow applicable brokerage compliance procedures.

What We're Looking For

Required Qualifications

Active Ontario Mortgage Agent Level 1 or Level 2 licence through the Financial Services Regulatory Authority of Ontario (FSRA).

Ability to conduct mortgage activities through the authorized supervising brokerage.

Practical knowledge of mortgage products, lender requirements, qualification criteria, and suitability considerations.

Experience managing mortgage applications and guiding clients through the mortgage process.

Excellent telephone communication, active listening, and relationship-building skills.

Strong organizational skills, attention to detail, and consistent follow-through.

Ability to manage multiple mortgage opportunities and client relationships simultaneously.

Confidence working independently in a remote environment.

Experience using CRM platforms and digital document management tools.

A professional, ethical, and client-focused approach to mortgage lending.

Additional Assets

Experience with mortgage refinancing, home-equity lending, and debt consolidation.

Experience supporting homeowners with credit challenges, financial difficulties, or mortgage arrears.

Experience working with alternative or private lending solutions, where permitted by licensing.

Familiarity with mortgage underwriting and fulfilment procedures.

Experience managing company-generated leads and professional referrals.

Familiarity with GoHighLevel or comparable CRM platforms.

Licensing Requirements

Applicants must hold an active Ontario Mortgage Agent Level 1 or Level 2 licence and be authorized to work through the supervising mortgage brokerage.

Level 1 Agents: Work with financial institutions and other permitted lenders within their licensing authority.

Level 2 Agents: May also work with private lenders and other non-traditional lending arrangements, subject to applicable regulatory and brokerage requirements.

Level 2 licensing is considered an asset given the range of mortgage and home-equity solutions our clients may require.

Responsibilities and commission arrangements may vary based on experience, licensing level, and permitted mortgage activities.

Compensation & Earning Opportunity

100% Commission-Based | Company-Provided Leads | Uncapped Earning Potential

This position is compensated through commissions earned on successfully funded mortgage transactions.

Mortgage Brain provides incoming client inquiries, professional referrals, and administrative support,



allowing you to focus on managing mortgage applications and helping suitable clients secure financing.

What you can expect

Commission-based compensation tied to successfully funded transactions.

Competitive commission splits based on experience, licensing level, and responsibilities.

No requirement to independently generate leads or maintain a personal mortgage book.

Access to company-provided inquiries and referral opportunities.

An established client intake process and administrative support team.

No predetermined cap on commission earnings.

The applicable commission structure, including the percentage split and calculation basis, will be discussed during recruitment and confirmed before engagement.

Actual earnings will depend on funded mortgage volume, transaction values, and the agreed commission structure.

What We Offer

Company-provided leads and professional referrals.

No requirement to build your own book of business.

Remote working arrangements with flexible scheduling and consistent availability during Ontario business hours.

An established client intake and administrative support process.

Access to CRM technology and structured client management systems.

Opportunities to work with homeowners across a variety of mortgage and financial circumstances.

A collaborative team environment focused on client service, accountability, and results.

A long-term opportunity to grow with a business focused on helping Ontario homeowners.

What Success Looks Like

We're looking for someone who takes ownership of their assigned mortgage opportunities and provides an exceptional client experience.

Success in this position means:

Responding promptly to assigned client inquiries and referrals.

Conducting thorough mortgage assessments and providing appropriate recommendations.

Maintaining strong client communication throughout the mortgage process.

Keeping applications progressing through timely follow-up and documentation.

Maintaining accurate, up-to-date CRM records.

Working effectively with lenders, underwriters, and internal support teams.

Helping suitable clients progress toward successful mortgage funding.

Exercising sound judgment when a mortgage solution is not suitable or available.

Above all, we're looking for someone who is dependable, knowledgeable, motivated, and committed to helping clients make informed mortgage decisions.

Interested in Joining Mortgage Brain AI?

If you're a licensed Ontario Mortgage Agent who enjoys working with clients, values a structured support system, and wants to focus on mortgage opportunities rather than constantly generating new business, we'd like to hear from you.

To apply, please submit:

Your résumé and a brief introduction outlining your mortgage industry experience.

Your current FSRA licensing level and licence number.

A summary of your experience with mortgage refinancing, debt consolidation, or home-equity lending.

Your experience managing mortgage applications and working with lenders or underwriting teams.

IMPORTANT: Please use the exact subject line "Mortgage Agent MB" when submitting your application.

Applications that do not follow the subject-line instruction may not be prioritized for review.

Mortgage Brain AI | Smart technology. Human advice.

Pay: $50,000.00-$150,000.00 per year

Advantages

Flexible schedule

Work from home

Work Location: Remote

📌 Mortgage Agent (Canada)
🏢 Mortgage Brain AI
📍 Canada