Do I have to already be licensed to join Kings of Lending?

Yes. This role is for loan officers who already hold an active NMLS license. Kings of Lending is not set up to sponsor someone through their initial licensing.

Which states can a loan officer work in?

E Mortgage Capital, Inc. is licensed in 49 states, so originators can work wherever they personally hold a license and are approved. Support is available for adding additional state licenses after joining.

Is the loan officer role remote?

Yes. The team works remotely. What is asked for is responsiveness and follow-through rather than office attendance.

What is the compensation for this loan officer role?

This is a commission-based origination role. Specific compensation is discussed during the conversation with Victor Salazar, because it depends on experience, volume and licensing footprint. No specific earnings are promised or guaranteed.

Does Kings of Lending provide leads?

Most originators build their own pipeline through referral relationships, past clients and their own marketing. Kings of Lending adds lender access, coaching and back-office support to help convert more of that pipeline.

What types of loans does the team originate?

Conventional and government purchase and refinance loans, plus non-traditional business including self-employed and bank statement qualification, ITIN borrowers, DSCR and investment property loans, and credit-challenged files.

Will Kings of Lending review my social media?

Public professional profiles used to advertise mortgage services may be reviewed, because loan officer marketing is regulated advertising. Personal accounts are not requested and passwords are never requested.

How long does the hiring process take?

Applicants generally hear back within a few business days. The conversation with Victor Salazar usually follows within a week, and onboarding timing depends on licensing transfer through E Mortgage Capital, Inc.

Careers

Careers at Kings of Lending

Bring your borrowers. We'll bring the lenders.

We're hiring licensed loan officers who are tired of losing good files because their shop only has one place to send them. At Kings of Lending you get access to more than 150 lending partners through E Mortgage Capital, direct mentorship from Victor Salazar, and the freedom to work from anywhere in 49 states.

Start your application See what you'd get

This role is for originators who already hold an active NMLS license. Kings of Lending is a mortgage team operating under E Mortgage Capital, Inc. (NMLS #1416824). Equal opportunity employer.

150+Lending partners
on the shelf

49States you can
originate in

2022Year the Kings of
Lending team formed

1 on 1Coaching directly
with Victor

Why originators leave

One lender is a ceiling, not a home.

If you have spent any time originating, you already know the feeling. A borrower walks in with a story that does not fit the box — self-employed, credit still healing, an ITIN, a property the underwriter does not like. You know the loan is good. You just do not have anywhere to send it. So you decline it, or you sit on it for three weeks and then decline it anyway.

That is not a skill problem. That is a shelf problem. A loan officer with one investor can only say yes to the files that investor likes. The rest walk out the door and close somewhere else, usually with someone who had one more option than you did.

You were never bad at this. You were just under‑supplied.

What joining actually gives you

Four things that change how many files you can close.

We are not going to pitch you on a culture deck. Here is the practical difference between originating here and originating where most people originate.

A shelf with more than 150 lenders on it

Through E Mortgage Capital you get access to a broad wholesale lender panel — agency, government, non‑QM, bank statement, DSCR, ITIN and portfolio options. The file you would have turned down last month is a file you can shop this month.

More outlets also means you are not stuck defending one investor's pricing. You can go find the fit instead of explaining why you do not have one.

Victor on your difficult files

Victor Salazar has been licensed since 2020 and has built his book on the loans other people passed on. When you hit a structure you have not seen before, you are not searching a forum at eleven at night — you are asking the person who has already structured it.

That is the part most shops advertise and very few deliver. Here it is a working relationship, not a monthly group call.

The platform and the back office

You get E Mortgage Capital's secure origination platform, a compliant application intake for your borrowers, and processing support so you are not the one chasing conditions at midnight.

Your job becomes originating and advising. The paperwork machine runs behind you instead of on top of you.

Remote across 49 states

You do not have to move, and you do not have to sit in an office to prove you are working. If you are licensed and producing, you can build from where you already live.

If you want to add states, we will walk you through what licensing in those states requires rather than leaving you to figure it out alone.

Be honest with yourself here

This is a fit if most of these describe you.

We would rather you self‑select out now than three weeks into onboarding. Read this list properly before you apply.

✛You hold an active NMLS license and it is in good standing.

✛You have originated real files, not just shadowed someone who did.

✛You want more lenders to work with, not fewer decisions to make.

✛You answer your phone and you return messages the same day.

✛You are willing to be coached on structure, even after years in the business.

✛You treat borrowers the way you would want your own family treated.

✛You can work independently without someone standing over your desk.

✛You are comfortable that this is a commission‑based origination role.

If you are not licensed yet, we are not the right first stop — get your NMLS license, originate for a while, then come back and talk to us. We will still be here.

The process

Three steps, and no black holes.

Every application is read by a person on our team. Whichever way it goes, you will hear back.

STEP 01

Complete the application

It takes about ten minutes and it asks real questions — where you are licensed, how long you have originated, what your volume looks like, and what is actually making you look. Take your time on it. It is the whole first impression.

STEP 02

A conversation with Victor

If it looks like a fit, you talk to Victor directly — not a recruiter reading a script. You will get to ask him the hard questions about splits, support and how files actually move here, and he will ask you his.

STEP 03

Onboard through E Mortgage Capital

Licensing transfer, platform access and system training run through E Mortgage Capital. We will tell you honestly how long it takes rather than promising you will be live on Monday.

Questions people ask before applying

The things you actually want to know.

Do I have to already be licensed?

Yes. This role is for loan officers who already hold an active NMLS license. We are not set up to sponsor someone through their initial licensing, and we would rather tell you that plainly than take your application and go quiet.

Which states can I work in?

E Mortgage Capital, Inc. is licensed in 49 states, so you can originate wherever you personally hold a license and are approved to work. If you want to add states after you join, we will walk you through what each state requires.

Is this remote, or do I need to come into an office?

Remote. Our team works from where they live. What we ask for is responsiveness and follow‑through, not attendance.

What is the compensation?

This is a commission‑based origination role. We discuss specific numbers in your conversation with Victor rather than posting them on a public page, because they depend on your experience, your volume and your licensing footprint. We will not waste your time — if the structure does not work for you, you will know that on the first call.

Do I bring my own borrowers, or do you provide leads?

Most of our originators build their own pipeline through referral relationships, past clients and their own marketing. Come in expecting to originate. What we add is the lender access, the coaching and the back office that let you convert more of what you already generate.

What kind of loans does the team actually do?

Conventional and government purchase and refinance work, plus a real amount of non‑traditional business — self‑employed borrowers, bank statement and P&L qualification, ITIN borrowers, DSCR and investment property, and credit‑challenged files other shops decline. If you have been turning that work away, you will notice the difference quickly.

Will you look at my social media?

We may review public professional profiles — your business page, your LinkedIn, anywhere you advertise mortgage services — because loan officer marketing is regulated advertising and we have to know it is compliant. We do not ask for personal accounts, we never ask for passwords, and you are not required to give us anything private.

How long does the process take?

You should hear back within a few business days of applying. From there, the conversation with Victor usually happens within a week, and onboarding timing depends mostly on licensing transfer through E Mortgage Capital.

I am producing well where I am. Why would I move?

Honestly, if you are happy with your lender access, your support and your income, you probably should not. The people who thrive here are the ones who keep running into the same wall — a good borrower they cannot place, or a structure nobody around them can solve. If that is not your problem, we are not your solution.

If you have been losing good files, let's talk.

The application takes about ten minutes. A real person reads it, and you will hear back either way.

Start your application

Questions before you apply? Reach the team through our contact page.

Kings of Lending is a mortgage team led by Victor Salazar operating under E Mortgage Capital, Inc., NMLS #1416824. Equal Housing Opportunity. Kings of Lending and E Mortgage Capital, Inc. are equal opportunity employers. We consider all qualified applicants without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, veteran status, marital status, or any other characteristic protected by federal, state or local law. Reasonable accommodations are available during the application process on request. This page describes a commission‑based mortgage loan originator role; no specific level of earnings is promised, projected or guaranteed, and actual compensation depends on individual production. Employment is subject to licensing, background and eligibility requirements administered by E Mortgage Capital, Inc.