*A New Model. A Better Outcome for Everyone.*
Citizens Financial — The Badges Broker — has built a compensation model that changes the game for Loan Officers and their clients at the same time.
Here is what that looks like in practice:
The Loan Officer earns more. The client gets an exceptionally priced loan. Everyone wins.
This is not a trade\-off. It is not one or the other. Our flat\-fee model makes both possible simultaneously — and that is exactly what makes Citizens Financial different.
*Why the Flat\-Fee Model Works*
At Citizens Financial, Loan Officers operate on a simple, transparent structure: one flat fee of $555 per closed loan.
That structure creates two powerful outcomes at the same time:
*For the Loan Officer: Loan Officers who join Citizens Financial consistently have the opportunity to earn exponentially more per transaction compared to traditional compensation structures. More closings. More income. Full ownership of everything they build.*
*For the Borrower: Clients of Citizens Financial Loan Officers benefit from access to exceptionally competitive rates and pricing — well below current market averages — delivered with the full support of a licensed mortgage banker and brokerage platform behind every loan.*
The Loan Officer wins. The client wins. The relationship wins.
This is the model the mortgage industry has been waiting for — and Citizens Financial is leading it.
*Compensation, Team\-Building \& Income Potential*
✔ 100% commission on all self\-generated business ✔ Single flat fee of $555 per closed loan — straightforward, transparent, and predictable ✔ Fairness Clause: if $555 exceeds 20% of your gross commission, you pay the lesser amount ✔ W\-2 or 1099 options available — licensed under both DRE \& DFPI ✔ Full ownership of your pipeline and database ✔ No surprise fees, no clawbacks, no hidden deductions ✔ Build a branch, grow a team, and earn residual income through leadership
If you are ready to earn more while delivering exceptional value to every client you serve, this model was built for you.
*Internal Marketing, Technology \& Support*
✔ Company\-provided marketing support — social media content, branded materials, and campaign infrastructure — so you are not building alone ✔ Brand positioning, promotional strategy, and local visibility support to strengthen your presence in the market ✔ Full modern tech stack for approximately $75/month total ✔ LOS, branded domains, and AI\-powered CRM ✔ AI\-driven inbound, outbound, and SMS engagement ✔ Automated follow\-up and live\-transfer of qualified leads ✔ GoHighLevel and Monday CRM access ✔ Automated Google and Facebook review management ✔ Dedicated admin and marketing support so you can stay focused on closing
*Build More Than a Pipeline*
✔ Ability to build and operate your own branch ✔ Recruit, mentor, and grow a team under your leadership ✔ Multiple income streams through personal production and team growth ✔ Residual income opportunity through expansion and leadership development ✔ A platform designed for Loan Officers who want to grow beyond being a solo producer
This is for the Loan Officer who wants more than the next closing. This is for someone building something that lasts.
*Product Depth \& Pricing Flexibility*
✔ Dual platform — mortgage brokerage and mortgage bank ✔ Exceptionally competitive pricing, particularly on VA and Conventional ✔ Full product suite including:
Conventional \| FHA \| VA \| Jumbo*
Portfolio \| Non\-QM \| DSCR*
Reverse Mortgage \| ITIN*
Down Payment Assistance (DPA)*
*Training, Growth \& Leadership*
✔ Structured systems and onboarding support for both new and experienced Loan Officers ✔ Real mentorship and production support for Loan Officers building from the ground up ✔ Pipeline sharing and BOLO opportunities ✔ Access to community events, local partnerships, and business development opportunities ✔ Real leadership, real systems, and real automation — not a "figure it out on your own" environment
Newer Loan Officers get support. Experienced Loan Officers get room to scale. Leaders get the opportunity to build.
*Purpose, Brand \& Market Position*
✔ High\-integrity, mission\-driven California brokerage founded in 2007 ✔ A differentiated brand with real identity: The Badges Broker ✔ Proudly serving CDCR officers, first responders, educators, healthcare professionals, veterans, and homebuyers across California ✔ A niche\-driven brand story that helps you stand out in a crowded market
*Who This Role Is For*
✔ Experienced Mortgage Loan Officers ready to earn more on every transaction ✔ Retail LOs looking for a smarter, more rewarding compensation structure ✔ LOs currently at banks, credit unions, or traditional brokerages ready for something better ✔ Newly licensed LOs or those actively working toward a California NMLS license ✔ Loan Officers who want to build a branch, build a team, and create long\-term residual income ✔ Loan Officers who want real internal support without giving up their upside
*Active California NMLS license required (DFPI or DRE)*
*Optional W\-2 Benefits May Include*
✔ 401(k) with up to 3% company match ✔ Health, dental, and vision insurance ✔ Flexible schedule and remote work ✔ Ongoing professional development and advancement opportunities
If you are looking for a company where you can earn more, serve your clients better, and build something that genuinely lasts — this is the opportunity.
*Apply now. Let's build this together.*
Job Types: Full\-time, Part\-time, Contract \| Work Location: Remote
Job Types: Full\-time, Contract
Pay: $49,999\.00 \- $149,000\.00 per year
Benefits:
- 401(k)
- 401(k) 3% Match
- Flexible schedule
- Health insurance
- Work from home
Work Location: Remote