Actual earning potiential - Avis employé Sr. Loan Officer Lower

- Start up culture - Lots of motivated people all pitching in to achieve company and personal goals - Great personal development - lots of opportunities to grow - Fun environment and great location in a beautiful office in downtown Columbus - Management knows what they are doing and help you achieve goals - Great training program

- Work schedule is not the most flexible - 9-5 and in person

There are limited pros working at Lower. Based on my experience, I would only recommend working here if you're new to the industry. Get licensed, learn the basics, and leave after a year.

If you have been in the industry for more than a year, you know products, you know guidelines, you know how to sell. That said, find a company with a comp plan that makes sense with a rate sheet that actually benefits the consumer. Ironically, rates at Lower at the Highest in the industry. You'll be asking borrowers to take on a 30-year-fixed -rate mortgage that's 50bps (or more) higher than the industry. On top of the higher pricing, you get paid a fraction of what other loan officers make. Instead of $20K/mo commissions, you'll be making $3K at best. The hourly rate is a recoverable draw so you're making $60K while other loan officers are making $200K+ per year. If that wasn't enough, your loans will sit in process FOREVER. No one knows what's going on. From VP to processor, there is zero communication. Loans will fallout left and right.