Senior Loan Officer - Renovation Lending Career Growth in Columbus
Career & Market Insight
This is a compelling opportunity for experienced mortgage professionals looking to differentiate in a commoditized market. The renovation lending niche is genuinely underserved — RenoFi's proprietary ARV-based underwriting is a real competitive moat, not just marketing language.
Compensation signals: No salary figures are disclosed, which is typical for commission-based loan officer roles. Senior LOs at growth-stage lenders typically earn $100K–$250K+ depending on production volume. The mention of "aggressive compensation" and equity suggests upside potential, but candidates should probe base vs. commission structure carefully in interviews.
Skills you'll develop:
- Renovation and construction lending underwriting — a rare, high-value specialization
- Referral network building with non-traditional partners (contractors, builders)
- Business development and field sales in a niche vertical
- Proprietary fintech platform fluency (RenoFi's underwriting tech)
Green flags: Backed by top-tier VCs (Fifth Wall, First Round Capital), $22M Series B recently closed, $1B+ in funded projects — this is a scaling company with real traction, not a pre-revenue startup. Remote-first culture with equity compensation is attractive for senior hires.
Red flags to probe: The 50%+ field time requirement is demanding. No salary transparency. NMLS licensing ties compensation to state-specific production, so pipeline development timelines matter. Ask about ramp period support and whether there's a draw against commission during onboarding.
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 — loan officers 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
- 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
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 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 more.
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.
Why RenoFi's Culture: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. Our team spans time zones and nationalities, and we're committed to ensuring every team member feels connected and supported.
We offer:
- Competitive cash and equity compensation
- Health, retirement, and other country-specific benefits
- Flexible vacation policy
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!
Apply today and help us make renovation lending the next frontier of mortgage finance.
Frequently Asked Questions
Is this Senior Loan Officer role fully remote?
What mortgage products will I have access to at RenoFi?
What is the compensation structure for this role?
Do I need prior renovation lending experience to apply?
What kind of referral network will I be building in this role?
