Pros
Direct lender with a great portfolio of products. Well capitalized and self-sufficient - same company owns lender, appraisal management, title, and servicer. Competitive commissions. Company paid marketing. Company paid training and licensing. Good training and professional development program. Good benefits - 401k match, health/dental, work/life balance, team competitions/events.
Cons
Cyclical industry - jobs/commissions are highly correlated to the market. Minimal price flexibility when selling and rates are slightly higher than industry average. Low base salary (just over min. wage) and commissions have a "standard deduction" so it's basically 100% commission. Managers earn more on their individual production than on their override so there is a conflict of interest. Behind the 8 ball with respect to technology. Operations can take precedence over sales when it comes to managing the pipeline - this is backwards and can be frustrating.
