Mortgage Loan Officer (Lake Forest, California) - Accepting Applications for 2027 Classes

At Rocket, we believe homeownership should be accessible, simple, and empowering. But we know the path can be complicated, stressful, and full of unknowns. That's where you come in.
As a Mortgage Loan Officer, you're on the front lines helping clients make one of the most important financial decisions of their lives. Whether you're working with a first-time home buyer or someone refinancing to create new opportunities, your work helps more people find lasting prosperity. You'll also build your own earnings and develop proven sales expertise with every conversation.
You don't need mortgage experience or a book of business to start here. What matters most is your willingness to learn, your drive to sharpen your craft and compete at a high level, and your honest, compassionate approach to guiding clients through a system that can be tough to navigate alone.
What you'll do

• Speak on the phone with leads generated by Rocket's marketing engine, giving you access to significantly more inbound volume than most MLOs receive, so you can focus on conversations instead of prospecting.
• Ask the right questions to understand each client's personal financial story and guide them through their home loan options, from buying a first home to consolidating debt with a refinance.
• Support clients through every stage of the mortgage process with transparency so nothing catches them off guard.
• Use Rocket Logic, our in-house AI assistant, to provide real-time guidance during client conversations, helping you answer questions quickly and keep every interaction personal.

How you'll start
We know starting something new comes with uncertainty, so we're upfront about our process.

• If we move forward with your application, we'll run a soft credit check to verify you're licensable. This is a standard industry requirement, and we're assessing the financial integrity expected of someone handling client finances, not reaching a specific score. Most applicants pass this stage without issue.
• You don't need to be licensed to apply. Rocket Mortgage pays for your training and the full licensing process, so you can start here even if this is brand new to you.
• During your first two weeks, you'll prepare for and take the SAFE licensing exam. We cover all training costs and exam fees because we're invested in setting you up to succeed.
• Once licensed, you'll step into our best-in-class training program to learn our tools, workflow, and how to run confident, effective client conversations. It's immersive and intensive at first, then settles into a regular rhythm once you're on the floor.

Compensation and career growth
We're transparent about how pay works here.
Your compensation includes an hourly rate set by location plus incentives with no cap, so your earnings reflect your effort and results. Your recruiter will share specifics during your interview process.
Growth here is based on performance, not tenure. Top Mortgage Loan Officers at each level are promoted every quarter, and there's a visible, repeatable path forward from Mortgage Loan Officer to Senior, Executive, and beyond.
Who succeeds here
People who thrive tend to be skilled at building trust and listening with empathy, especially on the phone, and they stay focused on solutions even when things get complicated.
They're coachable and quick to apply feedback, self-motivated and goal-oriented with the openness to adapt as goals are tracked and coached frequently.
Success here also means staying comfortable as the market, technology and process continues to evolve.
Where you'll work
Rocket Mortgage Loan Officer positions are hybrid and based in one of our banking centers, including Detroit, Cleveland, Cypress Waters (Dallas-Fort Worth), Lake Forest, and Phoenix.
This is not a remote-anywhere role, and you'll need to live in or relocate to the region tied to the specific opening you apply for.
What you'll get
Our team members fuel our strategy, innovation and growth, so we ensure the health and well-being of not just you, but your family, too! We go above and beyond to give you the support you need on an individual level and offer all sorts of ways to help you live your best life. We are proud to offer eligible team members perks and health benefits that will help you have peace of mind. Simply put: We've got your back. Check out our full list of Benefits and Perks.
About us
Rocket Mortgage® was founded in 1985. Today, we're a Detroit-based, publicly traded company with a mission to Help Everyone Home. At Rocket Mortgage, we believe that home is more than the house you live in. Our wide variety of home loan options, tools and resources empower our clients to achieve their homeownership dreams. We're known as experts in the mortgage industry, but we're also innovators - we strive to create the best experiences for our clients from beginning to end. And we're not your typical employer. We're insistently different in how we look at the world and are committed to an inclusive workplace where every voice is heard. Apply today to join a team that offers career growth, amazing benefits and the chance to work with leading industry professionals.
This job description is an outline of the primary responsibilities of this position and may be modified at the discretion of the company at any time. Decisions related to employment are not based on race, color, religion, national origin, sex, physical or mental disability, sexual orientation, gender identity or expression, age, military or veteran status or any other characteristic protected by state or federal law. The company provides reasonable accommodations to qualified individuals with disabilities in accordance with applicable state and federal laws. Applicants requiring reasonable accommodations in completing the application and/or participating in the application process should contact a member of the Human Resources team, at [email protected] .
The compensation information below is provided in compliance with all applicable job posting disclosure requirements. The compensation for this position is $20.00-$20.00. The position may also be eligible for an annual bonus, incentives, and other employment-related benefits including, but not limited to, medical, dental, and vision benefits, 401K retirement plan, and paid-time off. More information regarding these benefits and others can be found here . The information regarding compensation and other benefits included in this paragraph is the company's current, good faith estimate at the time of posting. [Compensation and benefits are subject to modification from time to time as the Company, in its sole and exclusive discretion, deems appropriate.] The Company may determine during its future reviews of the proposed compensation and benefits provided for this position, that the compensation and benefits for such position should be reduced. In no event will the Company reduce the compensation for the position to a level below the applicable jurisdictional minimum wage rate for the position. Los Angeles County and San Francisco Candidates only: qualified applicants with arrest or conviction records will be considered for employment per the Fair Chance Ordinance and the Fair Chance Initiative for Hiring.