Senior Loan Officer at RenoFi - Remote USA — Columbus
Traveler-Friendly Insight
This role is labeled #LI-Remote and RenoFi explicitly describes itself as a remote-first organization built that way since day one — a genuine green flag for location flexibility. However, the job description requires spending 50%+ of your time in the field meeting contractors, builders, and real estate agents. This means physical presence in a local US market is non-negotiable.
For digital nomads, this is a significant constraint: you must be US-based, hold an active NMLS license (which ties you to specific state licensing requirements), and be able to conduct regular in-person business development in a target market. This is not a desk-based or fully async role.
- Timezone: US timezones required given client and partner interactions.
- Visa: US work authorization required (NMLS licensing demands it). Not suitable for foreign nationals on tourist or digital nomad visas.
- Nomad-friendliness: Low — field-sales nature anchors you to a metro area, though the admin/processing side of the role could be done remotely.
If you're a nomad seeking a fully location-independent role, this posting is not a fit. Instead, look for fully async roles in fintech, mortgage tech (underwriting support, product), or SaaS sales with no field requirement. This role suits someone wanting flexibility in where they live in the US but not full geographic freedom.
The future of mortgage lending isn't refinance or purchase — it's diversification. It's renovation.
RenoFi is transforming the way homeowners finance their renovations while continuing to serve the traditional mortgage demand. We are building the nation's leading renovation lending platform, empowering homeowners to tap into their future home value, not just their current equity. Our Senior Loan Officers sit at the heart of this effort, helping families create the homes they love while building a thriving referral network with contractors, builders, and real estate agents.
As a Senior Loan Officer with RenoFi, you'll continue to offer every product you do today (Agency, FHA, VA, Non-QM, HELOCs, and Personal Loans) while expanding into renovation lending. You will better serve your existing referral network while also building a new one, with high demand for the RenoFi product offering. By joining RenoFi, you are adding real diversification to your business.
Renovation lending creates true growth. Every project funded through RenoFi directly drives more work and more revenue for contractors and builders, which generates repeat referrals and deeper loyalty to you. That's why top producers at RenoFi don't just close more loans — they build larger, more durable businesses around partners who win when they do.
This is an opportunity to help redefine an entire category of lending while still offering extremely competitive rates and products to your customers and referral sources you've worked hard to cultivate in your career.
Why RenoFi:- The best renovation lending platform in the country
- Access to exclusive products that competitors can't offer
- Actively grow your business — loan officers have seen a 30–40% increase in closed loans after joining RenoFi
- Aggressive compensation and very competitive rates
- Field-first culture built around relationships and impact
- A leadership team obsessed with helping you grow your production and income
- Originating self-sourced leads
- Building long-term referral partnerships with contractors, builders, and real estate agents
- Educating homeowners on how renovation lending unlocks possibilities that traditional loans can't
- Driving business development by spending 50%+ of your time in the field — not behind a desk
- Executing RenoFi's playbook, Referral Machine, to grow your production month over month
As a Senior Loan Officer at RenoFi, you'll have access to the entire suite of mortgage products including our proprietary RenoFi Loan Products, giving you a unique edge in a crowded market and entry into an untapped referral source network. We'll provide the technology, marketing engine, training, and product suite — you bring the hunger and sales skills to build something great.
Who You Are:- A seasoned mortgage professional who sees the opportunity in a builder's environment
- Energized by the chance to pioneer renovation lending — not just survive the market chasing 20% of active real estate agents
- Comfortable balancing both traditional and renovation products
- Excited to grow a referral ecosystem that compounds over time
- Relentlessly curious, coachable, and driven to master mortgage lending of the future
You understand that while most of the industry competes for shrinking refinance and purchase volume, the renovation space is an ocean of opportunity — and you're ready to own your market.
Requirements:- Minimum 2+ years of mortgage origination experience
- Working knowledge of renovation or construction lending (preferred)
- Strong analytical skills to structure and present complex loan scenarios
- Active NMLS license
- Strong relationship-building and communication skills
- Entrepreneurial mindset — you plan your work and work your plan
RenoFi's mission is to empower every homeowner to be a renovator. Founded in 2018, RenoFi created the world's first Renovation HELOC — called the RenoFi Loan. RenoFi Loans enable homeowners to borrow based on the after renovation value (ARV), which dramatically increases a homeowner's borrowing power by 11x on average, all without having to refinance out of their existing low mortgage rate.
By leveraging RenoFi's proprietary Renovation Underwriting technology platform, RenoFi provides lending partners with a turnkey solution to offer the best renovation financing solutions in the market. Over time, RenoFi evolved into the world's first one-stop-shop for renovation finance, offering every renovation financial product available — from renovation home equity loans, to unsecured home improvement loans, to land loans, construction loans, and more.
To date, RenoFi has helped finance over $1 billion in renovation projects and is backed by leading investors including Fifth Wall, Canaan, First Round Capital, and TruStage Ventures. Learn more at www.renofi.com.
Why RenoFi's Culture:Since our founding in 2018, RenoFi has been built with a strong remote culture at its core. We set out from day 1 to build a remote-first organization, purposefully designing a work culture that you'll love to be a part of. Our team spans time zones and nationalities, and we're committed to ensuring every team member feels connected and supported.
We offer:
- Competitive cash and equity compensation
- Health, retirement, and other country-specific benefits
- Flexible vacation policy
RenoFi is committed to building a diverse and inclusive team. We believe various backgrounds and experiences contribute to our mission of transforming the renovation lending industry. If your experience doesn't perfectly match the requirements, we encourage you to apply anyway and tell us why you'd be a great fit for this role!
Apply today and help us make renovation lending the next frontier of mortgage finance.
Frequently Asked Questions
Is this Senior Loan Officer role fully remote?
What mortgage products will I have access to at RenoFi?
What is the compensation structure for this role?
Do I need prior renovation lending experience to apply?
What kind of referral network will I be building in this role?
