Inside Loan Officer
100+ premium leads a month.AI works them. You close them.
Built for proven, currently producing loan officers who want more volume.
The Lead Desk
You don't chase leads. Our AI does.
F5 buys the leads and our AI works every one. By the time a borrower reaches you, they're ready to talk.
Built in-house at F5
Most of your day is talking to ready borrowers.
While other lenders are still dialing, your borrower is already in a conversation with F5. By the time they reach you, they're warmed up and ready for a licensed loan officer.
- Every lead answered in seconds
- Follow-up that never forgets a borrower
- Ready borrowers handed to you live, or booked on your calendar
Illustrative. The playbook stays inside F5.
Premium opt-in purchase and refi borrowers actively shopping for a mortgage. Not data leads, not triggers, not cold calls. F5 buys them.
Our AI reaches every borrower in seconds and keeps the conversation going, so no lead goes cold waiting on a callback.
Ready borrowers land on your desk, or straight on your calendar. You price it on Pylon, structure it, and close it. The comp is yours.
That's about 5 new premium leads every weekday, each one worked before it ever needs you.
Compare that to retail, where you're begging a branch manager for leads, fighting 12 other LOs for the same recycled list, or dialing a purchased lead a dozen times after three other lenders already called it.
Not on the website
The rest you have to see live.
How leads find the right LO, what the AI actually says, and how a borrower goes from a quote request to your calendar stays in-house. Apply, and Ryan will walk you through the Lead Desk on your intro call.
Apply to see it livePylon pricing
Wall Street rates. Direct to your borrower.
The AI gets the borrower to your phone. Pylon pricing wins the deal. F5 is wholesale, so you quote raw institutional pricing through our Pylon partnership and the 30+ lenders we onboard, with zero broker margin hidden in your borrower's rate. Same borrower, lower rate, priced without ever leaving Command.
F5 is a Pylon Partner and a Top UWM Broker with 30+ wholesale integrations.
Pylon for institutional wholesale pricing. UWM for BOLT decisions and UClose 15-minute closings. Plus 30+ wholesale lenders so every borrower (non-QM, jumbo, DSCR, ITIN, HELOC) finds the right loan.
The all-in-one system
CRM, LOS, POS, AI. All one system.
One Command login runs your whole business: the Lead Desk, CRM, LOS, borrower portal, AI, retention, and pricing, all built in-house on one database. Pylon, UWM, and 30+ other lenders are integrated right inside it. No Frankenstein integrations, no tab juggling, no “let me check with the broker.”
- AI on every lead from the moment it lands
- Ready borrowers, front and center
- Calls land right on your calendar
- Every lead, conversation, and file in one view
- Real-time pipeline + dashboards built for mortgage
- Drag-and-drop kanban from new lead to funded
- Run files start to close inside Command
- Price on Pylon inside the file, no margin markup
- Pre-approval to clear-to-close in one workflow
- Pylon, UWM, and 30+ wholesale lenders
- Non-QM, jumbo, DSCR, ITIN, HELOC, construction
- Quote side-by-side from one dashboard
- Borrowers apply, upload docs, e-sign in one place
- Auto-feeds Command + the LOS, no double entry
- Mobile-first, designed for the modern borrower
- Pre-drafted P&I + PITIA the second you open a lead
- Side-by-side scenarios, ready to send to borrower
- Concession-aware pricing built in
- TCPA-compliant texting with auto-suppression
- Every thread, right on the lead
- Borrower replies reach you wherever you work
- Every closed loan auto-monitored for rate triggers
- SMS + email fires when refi math works
- Pre-built completed apps, ready to send
- ARIVE for the LOS, with its own login
- Salesforce for the CRM, with its own login
- SimpleNexus for the borrower portal, with its own login
- ActiveCampaign for email, with its own login
- Sales Boomerang for retention, with its own login
- LOS built into Command, so you never leave
- Lead Desk, CRM, borrower portal, and retention, all native
- Pylon pricing and 30+ lenders right inside the file
- AI in every workflow, not a sidecar
- One database under everything
Retail shops have the leads and the tech but bury you in bureaucracy and gouge your borrowers with margin markup. Brokers have the pricing freedom but leave you to source your own deals and duct-tape your own software. F5 is what happens when you build it from scratch and do both right.
The daily reality
Everything you used to do. We do for you.
Retail LOs spend 60% of their week on tasks that don't close loans. F5 strips all of that out so you can spend your day on the one thing you're actually paid for: closing.
- Racing three other lenders to call a lead first
- Dialing the same lead 12 times before anyone picks up
- Following up by hand for weeks with borrowers who went quiet
- Begging for leads from a branch manager who plays favorites
- Building your own marketing funnel from scratch
- Paying for your own credit pulls, CRM, drip software
- Manually re-typing borrower info into 4 different systems
- Chasing conditions because there's no real processor
- Talk to borrowers who are already warmed up
- Let the AI handle the follow-up. You never chase a ghost.
- Show up for calls that are already on your calendar
- Quote, structure, and close. That's the job.
- Hand the file to your processor. They take it from there.
- Use the platform you already have. Zero per-tool fees.
- Originate from the beach. F5 is 100% remote, always.
- Lean on a tenured team of expert LOs when you need a second set of eyes
Your remote workspace
Remote-first. Never alone.
F5 LOs work from anywhere in their licensed states, but you're never working alone. The whole company hangs out in a virtual office every day. You can hop into Ryan's room for a quote review, pull a senior LO into a live call, or grab coffee with the processor handling your file.
Powered by Roam
Your office in the cloud.
F5's entire company lives inside Roam, a persistent virtual office with rooms, desks, and live presence. See who's online. Knock on a teammate's door. Drop into the Loan Lab for live deal coaching. Join the morning huddle. It's remote work that actually feels like a team.
- Knock on Ryan's door for a quick check-in
- Drop-in audio rooms for live coaching
- Loan Lab where senior LOs are always on call
- Lounge for water-cooler chats with the team
Licensed states
Licensed in 10 states.
Originate in any of them, from any of them. F5 holds active lender relationships and rate sheets across all 10, and the Lead Desk sends you leads in every state you're licensed in.
F5 runs on Dialpad, a cloud phone system wired straight into Command. Click-to-call from any lead, full call recording and transcription, and every call logged right on the lead.
- Click-to-call from any Command record
- Auto-recording + AI transcription on every call
- Every call logged on the lead automatically
- Forwards to mobile when you're off the desk
F5 pairs every Inside LO with a dedicated loan coordinator. They own the admin lift: organizing borrower docs in Command, chasing conditions with the borrower, prepping files for the lender, and keeping your pipeline moving. You stay on the phone with the next borrower.
- Borrower docs organized + uploaded for you
- Conditions chased without you lifting a finger
- Lender file prep handled end-to-end
- Your LC sits in your Roam room. Pull them in anytime.
F5 is remote-first by design. No commute, no office politics, no dress code. Originate from your home office, a co-working space, your in-laws' kitchen, or a hotel in Mexico. Everything you need is in Command and Roam.
- Work from anywhere in your licensed states
- No physical office to show up to, ever
- Equipment stipend for laptop + monitor setup
- Structured set hours (see the schedule below)
The comp structure
Revenue share. Pricing autonomy.
F5 Inside LOs are paid on a revenue-share model. Your closing is your paycheck, transparently. No retail tier games. No quotas to hit before comp kicks in. No manager to chase for an override on the deals you actually want to win.
Direct revenue-share on every loan you close. Clean line items. No mystery deductions, no creative "company keep" math, no end-of-month surprises. What closes shows up on your check.
No branch manager to ask for an override. No price-protection escalation queue. You see the lender rate sheets, you set the pricing on the file. The borrower wins. You win. That's it.
No "you have to fund $5M to unlock the real BPS." No retroactive comp adjustments. No clawbacks on slow months. The comp you signed up for is the comp you get, start to finish.
- Branch manager approves every override
- Tiered BPS only unlocks at higher volume
- "Company keep" deductions on every file
- Slow month = lost overrides for the year
- No transparency on lender pricing
- Comp plan rewrites every year
- You price the deal. No approvals.
- Same revenue share on every loan, day one
- Clean revenue share. No mystery deductions.
- No clawbacks. Slow months don't cost you future comp.
- Full lender rate sheet visibility
- Comp plan in writing, in your offer letter
We'll walk you through the exact comp structure on your intro call. Every number is in writing in your offer letter. No ambiguity, no surprises.
The team behind you
You're not alone. You're backed.
Beyond your LC and your virtual office, F5 wires a whole company around every Inside LO: tenured mentor LOs you can ping any time, an AI that works every lead you're sent, engineers shipping Command improvements weekly, and a compliance team that takes the regulatory weight off your shoulders.
Onboarding
Live and originating in under two weeks.
Three days of F5 work, then you go live the moment your state clears the sponsorship transfer. No pipeline migration to manage. No 30-day “onboarding cohort.” You sign, we set you up, you start closing.
Intro call with Ryan, comp letter in writing, signed same week. NMLS sponsorship transfer requested with your state.
Command, your Lead Desk, Pylon, lender access, processor pairing, and your branded F5 email, all provisioned and tested before you log in.
Hands-on tour across Command, the Lead Desk, Pylon, and Quote Studio. This is where you see the AI hand you a borrower for the first time, with a tenured mentor walking you through it.
The moment your sponsorship transfer is approved, go available on the Lead Desk and premium leads start flowing to you, already being worked. Typically 1-5 business days, depending on your state.
“Most Inside LOs close their first F5 loan within 30 days of getting their state-approved. We're not the bottleneck. Your state is.”
The schedule
This is a structured job. Not a side gig.
F5 sends 100+ premium leads a month because LOs are available on the Lead Desk during set hours, every weekday. Inside LO is a real role with real hours: remote, but structured. If you want come-and-go flexibility, this isn't the path. (Look at our Outside LO track for that.)
All times Eastern.
Who this is for
Proven producers only. Not a place to learn the business.
We're adding a small number of loan officers as we scale the Lead Desk. If you already know how to work leads, convert opportunities, and close loans, and you want more volume in front of you, this was built for you.
- You are a currently producing loan officer
- You already know how to work leads and convert them
- You want more volume than you can source on your own
- You are a self-starter who runs your own pipeline
- You are new to the mortgage business
- You are getting back into mortgage after time away
- You are still learning how to close
- You want a come-and-go side gig
Stop chasing. Start closing.
Currently producing and want more opportunity in front of you? Drop your info with your NMLS number. Ryan reaches out personally within one business day and shows you the Lead Desk. Strictly confidential. Your current employer never hears a word.
