About this role.
RenoFi is hiring a Senior Loan Officer to originate self-sourced mortgage and renovation-financing loans while expanding a referral network of contractors, builders, and real estate agents. The role combines traditional mortgage products, including Agency, FHA, VA, Non-QM, HELOC, and personal loans, with RenoFi’s proprietary renovation lending products. Success depends on field-based business development, consultative homeowner education, complex loan-scenario structuring, and consistent production growth. Candidates need at least two years of mortgage origination experience, an active NMLS license, and a highly entrepreneurial approach to territory and relationship management.
Role DNA
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Job Complexity
4/5Pace & Pressure
5/5Autonomy Level
5/5Communication Load
5/5Salary analysis
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Core skills
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Cover letter sample
Dear Hiring Team,
I am excited to apply for the Senior Loan Officer role at RenoFi because of the opportunity to pair trusted mortgage origination expertise with an innovative renovation-lending platform. My background in consultative lending, structuring complex borrower scenarios, and developing durable referral relationships would allow me to help homeowners, contractors, builders, and real estate partners achieve better outcomes. I am particularly drawn to RenoFi’s field-first approach and the opportunity to grow a self-sourced pipeline through education, disciplined follow-up, and value-led partnership development. I would welcome the opportunity to contribute my NMLS-licensed lending experience and entrepreneurial mindset to RenoFi’s growth.
Sample interview questions
I segment referral sources by potential and relationship stage, establish a consistent cadence of in-person meetings and follow-up, and track conversion metrics in a CRM. I focus on providing partners with timely loan guidance, clear status updates, and educational value so the relationship is based on reliability rather than one transaction.
I would first understand the project scope, existing mortgage terms, equity position, and timeline. Then I would clearly compare the options, emphasizing how renovation lending may use after-renovation value and can help preserve an attractive existing first-mortgage rate, while transparently explaining qualification requirements, costs, and risks.
I begin by validating borrower income, assets, liabilities, property details, and credit profile, then identify viable products and constraints. I model the options, coordinate early with underwriting or product specialists when needed, and present the borrower with a concise comparison that explains payment, cash-to-close, timing, and trade-offs.
I would quickly master RenoFi’s product suite, underwriting process, and Referral Machine playbook while mapping my existing network and priority local partners. I would establish weekly field activity targets, launch partner education meetings focused on renovation financing, and monitor lead-to-application and application-to-close conversion to refine my efforts.
I use approved materials, document important conversations, avoid making unsupported promises, and clearly distinguish preliminary estimates from final loan terms. I also keep partners informed without disclosing borrower information inappropriately, and I escalate licensing, disclosure, or underwriting questions promptly to the appropriate internal teams.
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 and join loan officers who 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.
What You’ll Be Doing:
- 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
Compensation
Additional Information
If you’re ready to stop being one of the 3 cards a realtor hands out to buyers and start building a business around something that truly changes homeowners’ lives, join us today!
Apply today and help us make renovation lending the next frontier of mortgage finance.
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!
ABOUT US:
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 becoming 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 so much more. No one in the country can match the breadth and depth of the renovation solutions available to homeowners through RenoFi.
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.
READ MORE ABOUT RENOFI
• Read About our Recent Financing Round Here
• Watch an Interview with RenoFi’s Founder
WHY RENOFI?
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.
We’re proud that our team spans time zones and nationalities, and we’re committed to ensuring every team member feels connected and supported. What unites us is a shared mission to make renovations possible for every homeowner with simpler and smarter home renovation financing solutions.
We offer:
• Competitive cash and equity compensation
• Health, retirement, and other country-specific benefits
• Flexible vacation policy
#LI-Remote
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