Join the Knox Mortgage Team: Two MLO Position Options :
Join Our Team
The Mortgage Loan Originator position responsibilites vary widely from company to company and team to team.
Our philosophy is that an MLOs has two key rolls: 1) Relationship Manager with active clients and referral partners, and 2) Provide consultation on loan programs and educate your client and which program is best for their unique scenario. You deserve to be treated with dignity, respect and be appreciated for what you bring to the team.
An MLO should be able to spend 25% or less of their time in the office and 75% of the time meeting with clients, marketing their business, and in community involvement. That only happens when the MLO has a great support team.
Behind the scenes an MLO needs a trusted operations team to support their business and move the loan from initial loan submission to final approval. Your team should provide proactive ongoing updates to you so you can effectively commicate to your clients and all interested parties in the transaction.
An MLO should not be chasing down paperwork, coordinating closing, and asking when the loan is going to be approved.
As a prospective MLO you need to be a specialist not a generalist who handles the loan from A to Z.
With industry leading technology our Loan Originatino System (LOS) is superior to the archaic systems like "Encompass", "Byte" "Point" and typical mainframe systems banks use. This saves you time and allows you to edit files and restructure loans quickly.
Choose between two compensation and responsiblity options but know that whether you close 100 loan per year or 6 loans per year you, your loans and your customers will be treated with the same level of appreciation, support and appreciation. Every loan is important. Every customer is important.
Option One: 140 BPS compensation requires the MLO to close at least 2 loan per month on average and or $500,000 in loan volume. This position requires the MLO to be actively engaged with the process and in ongoing direct communication with their client and all interested parties in the transaction.
Option Two: 90 BPS compensation requires teh MLO to clost at least 6 loan annually and or 1.5 in loan volume annually. This position allows the MLO to work part time and is perfect to stay at home parents or MLO's who have a seperate full time job. The lower compensation is offered in exchange for the MLO to have another MLO monitoring their loans and hands on support from the Branch Manager.
We have concerige office and conference room space when needed but in this high tech age and in light of an MLO needing to be mostly in the field full time offices are not offered.
If you are tired of poor follow up, and constant excuses about why your clients loan is not approved and at closing early, and want to remove the stress and time waster of babysitting your loans, consider joining our team.
We are an originator focused team. We understand that the MLO role is the mosts important role in the mortgage industry. Without the MLO there are no loans and thus no revenue. This means you will be treated with respect and have full time access and fast responses from your Branch Manager and operations team.
Call today 425-931-9579 and talk to Steve about joining out team.
Knox Mortgage Team was founded with the vision of simplifying the mortgage process for
first-time homebuyers and families in Alabama and Washington State. Our journey began in
Hoover, where we identified a pressing need for trusted mortgage brokers who prioritize
transparency and personalized service. Over the years, we have expanded our reach to
include service areas such as Greystone, Birmingham, Chelsea, Vestavia Hills, Mill
Creek, and Bothell, providing expert mortgage services that align with our clients' best
interests. Our deep local market expertise and unwavering commitment to transparency
have helped countless families secure their dream homes with confidence.
As a leading mortgage broker in Hoover, we offer a full range of mortgage services,
including FHA, VA, USDA, conventional, and jumbo loans. We also specialize in mortgage
solutions for investors, such as Debt Service Coverage Ratio (DSCR) loans, Bank
Statement loans, and Asset Depletion loans. For homeowners over 62, we provide reverse
mortgages to help them access home equity and improve their financial flexibility.
Whether clients are purchasing a home, refinancing for better terms, or consolidating
debt, we tailor each mortgage solution to meet their specific needs. Our proactive
approach includes fully underwritten preapprovals, competitive rate options, and expert
guidance on rate lock strategies.
With offices in Alabama and Washington and licensing in multiple
states, our mortgage services extend beyond Hoover to serve a broad range of clients. We
work closely with real estate agents, financial planners, and legal professionals to
ensure seamless transactions and well-informed decisions. As a dedicated mortgage
broker, we prioritize availability, offering evening and weekend consultations to
accommodate busy schedules. Contact us today to work with experienced mortgage
brokers who are committed to helping you achieve your homeownership and financial goals
with confidence.
Read Our Comprehensive Mortgage Guide
Unlock the secrets to successful home buying with our expertly
crafted guide. Discover the immense value of personalized mortgage solutions and seize the
opportunity to make informed decisions.
Personal:
Steve is the Branch Manager of Knox Mortgage Team. Steve and his partner Heidi reside in
Mill Creek, Lakes Neighborhood. Steve was a founding member of the Jackson High School Track
and Cross Country Booster Club. Steve is well known in the community as the organizer of the
annual “Run of the Mill 5K” charity event which is held in the Mill Creek Town Center each
summer. Through the Run of the Mill event Steve has raised and donated over $300,000
to local charities. Steve is on the Board of Directors of the Mill Creek Town Center
Merchant’s Association.
In his spare time Steve enjoys playing golf, gardening and spending time with family.
Business:
Steve provides highly personalized service to his clients with an emphasis on making
them part of the process through consultation and education. Prior to his mortgage career,
Steve was the President of Knox Management Strategies, a business consulting firm and as a
retail executive with Eddie Bauer, American Eagle Outfitters and Melville Corporation.
How I Invest In My Community:
I appreciate Knox Mortgage Team’s “Knox Mortgage Team” program and how we give back to the
communities we serve. This program also encourages us as individuals to be involved in our
communities and I do so mostly through my efforts to plan, organize and execute the annual
Run of the Mill 5K event.
Through this event we have donated hundreds of thousands of dollars to local charities and
schools including programs that tend to have the least funding such as Jackson High School
Track, Cross Country and Swimming, Glacier Peak Cross Country, Archbishop Murphy Swim Team,
Lake Stevens High School Track and Cross Country, Mariner High School Track and Cross
Country, Bishop Blanchet Swim Team, Boy Scouts of America, West Coast Aquatics, Lakewood
High School Track and Cross Country, Washington Track and Field Cross Country Coaches
Association. In additional about half of the funds from this event are donated to Providence
Hospitals Linda Baltzell Cancer Patient Assistance Fund.
How to Work With Steve:
During normal business hours call Steve at (425) 357-1044 but if you need mortgage
advice or a preapproval letter after normal business hours or on the weekend Steve can be
reached on his cell phone at (425) 931-9579. Or, submit an online
application and Steve will be immediately notified and he will follow up with you.
Heidi Hoyt
NMLS/MLO 1854322
Mortgage Loan Originator
Personal:
Heidi is a lifelong Seattle native, growing up in Ballard and now living in Mill Creek with
her partner Steve and two kids Russell and Ruby. When not working, Heidi is either taking
care of the family, golfing or entertaining.
Business:
After a successful retail sales career in the bridal industry and at Nordstrom, Heidi
joined Knox Mortgage Team. Her first position within the company was Marketing Manager and
now Loan Originator with a key emphasis on helping her clients have the best experience when
working with her and the company!
My name is Aubrea McNamara, and I specialize in Residential Mortgage Loans. I work alongside
my father Steve Knox, branch manager, and our extremely robust and experienced team. I like
to focus on having a very close personal relationship with each one of my clients and work
hard to ensure they have a great experience. I believe it is my job to educate each client
in order to empower them to make the best, informed decision.
Working in a smaller, boutique family business gives me the opportunity to be agile to solve
problems as they arise, and a huge range of product offerings, for even the most unique
scenarios.
If you give me the opportunity to earn your business, or send me a referral, I will work
diligently to impress you and your clients.
Expert Mortgage Solutions in Alabama and Washington
At Knox Mortgage Team, we distinguish ourselves through our commitment to personalized
mortgage solutions, transparency, and exceptional client service. As a trusted mortgage
broker in Hoover, we take a consultative approach, ensuring each borrower receives expert
guidance tailored to their financial goals. Our deep local market knowledge, extensive loan
options, and dedication to competitive rates set us apart in the mortgage services industry.
We prioritize clear communication, offer flexible availability, and provide fully
underwritten preapprovals to give our clients a strong advantage in competitive markets.
With a reputation built on trust, integrity, and professionalism, we make the mortgage
process seamless and stress-free.
"The Knox Mortgage Team made our home buying process
seamless and stress-free. Their local market expertise and commitment to
transparency were evident from the start."
- Sarah, Hoover, AL
"We were impressed by the personalized service we
received. The Knox Mortgage Team truly understands the needs of
first-time homebuyers and offers flexible mortgage options."
- John, Birmingham, AL
"Thanks to the Knox Mortgage Team's guidance, we
secured a mortgage that fit our family's needs perfectly. Their
expertise in the Washington State market was invaluable."
- Emily, Bothell, WA
Our Mission
At Knox Mortgage Team, our mission is to provide personalized mortgage solutions that cater
to the unique financial needs of individuals, couples, and families in Alabama and
Washington State. As a trusted mortgage broker, we are committed to delivering expert
guidance, transparent communication, and a seamless lending experience.
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options, and personalized mortgage solutions tailored to your needs.
Knox Mortgage Team offers comprehensive mortgage solutions, including
refinance mortgages, first-time buyer mortgages, home equity loans, reverse mortgages, and
more, in Hoover, Greystone, Birmingham, Chelsea, Vestavia Hills, and the surrounding areas.
Knox Mortgage Team offers comprehensive mortgage solutions, including refinance mortgages, first-time buyer mortgages, home equity loans, reverse mortgages, and more, in Mill Creek, Snohomish, Bothell, Greystone, Birmingham, Chelsea, Vestavia Hills, and the surrounding areas.
Canopy Mortgage, LLC | 360 Technology Court, Suite 200 Lindon, UT 84042 | (877) 426-5500 | NMLS Consumer Access #:1359687. All loans subject to credit and property approval.
