Mortgage Advisor

Locations: Larkspur, Los Gatos, Palo Alto, San Mateo, Santa Cruz, CA

Who are we?

Opes Advisors is a financial advisory services firm with:

  • $2 billion+ annual mortgage volume
  • $175 million assets under management (AUM)
  • 12 local branches serving Northern CA and OR
  • 400 employees and growing

In 2011, Opes Advisors increased its market share by 38% while the overall mortgage market declined by 20%. This result is testimony to our Mortgage Advisors and their success at leveraging our vision, culture, organization and technology.

To what do we owe our success?

Our Vision

Opes Advisors’ vision is to enable clients to make effective financial decisions at critical moments in their life. In an industry that sells a commodity product, differentiation is critical. Our vision – how we are organized and everything we do – is designed to bring value to our clients and enable our mortgage originators to differentiate themselves in the mortgage market.

Our Mortgage Advisors have the distinct advantage of building a career – building the skill and reputation as a trusted financial advisor – while fulfilling mortgages for their clients. We are able to work differently with mortgage clients because we are a Financial Advisory Firm, not just a mortgage bank.

Our Customer-Centric Approach

Opes Advisors has designed a firm differently than any other in the mortgage and wealth management industries. We have enhanced the loan origination process and are bringing an entirely new, customer-centric approach to financing a primary residence, second home or investment property.

During loan origination, it is commonplace to gather data and ask the client questions about qualifying for the loan – questions that insure the customer can afford to pay back the bank (the investor). This is an investor-centric approach.

In contrast, Opes Advisors’ process and software goes beyond this necessary analysis to integrate a broader perspective that is customer-centric and addresses what our clients really care about: their plans for retirement, for funding children’s education, for supporting aging parents, and for funding what is important to them in life. We’ve created loan origination software that enables our Advisors to address all of the financial concerns their clients have – not just guidelines and ratios for a pre-approval. We believe that people can ruin much of what they care about financially if they don’t understand how their mortgage fits into their complete financial picture, including how it impacts their retirement.

Our Education, Our Team of Financial Experts and Opes Advantage

Opes Advisors’ Education Department provides Mortgage Advisors with opportunities to increase their professional knowledge and skill. Course topics include the fundamentals of finance and building wealth, business and sales planning, advisory-based selling, referral-based marketing, sales methodology and more.

This education is made possible by the depth and breadth of expertise at the firm. Our Wealth Management division includes Chartered Financial Analyst®, Certified Financial Planner™ professionals, CDFA™, Wealth and Financial Advisors, and Real Estate Investment Advisor experts. As a Mortgage Advisor with Opes Advisors, this is your team. They are available to assist you with complex situations as you work with clients.

We also educate and train our Mortgage Advisors to use Opes Advantage software. Opes Advantage is our proprietary loan origination software that enables our Mortgage Advisors to conduct real-time, scenario-based planning with clients that enables them to make informed and effective financial decisions.

Our Mortgage Banking Operations

Opes Advisors is a mortgage bank that sells loans both on the secondary and capital markets, providing originators with competitive pricing and leading edge products. Our Mortgage Banking Operations Team is nimble, responsive and continually provides our originators with help and education to adapt to the many changes in products, guidelines, compliance and regulations.

Opes Advisors offers an extensive range of conventional conforming, high-balance, home equity and jumbo loan programs through established relationships with major banks, niche lenders and private investors. Our underwriters are experts in local markets and we are a direct seller servicer to FNMA and fully delegated for FHA /VA loans which means we maintain complete control of the process for fast turn-times and a smooth process.

As one of the leading independent mortgage banks in the jumbo space in the nation, we offer a mix of jumbo products with expanded underwriting criteria, higher LTV options, flexible reserve requirements, competitive ARM pricing, common sense underwriting and ease of closing. We are fully delegated on loan amounts to $1.5 million and offer loans up to $2 million.

Our Philosophy, Culture and Team

Opes Advisors is concerned with producing meaningful relationships with our employees, our referral partners and their clients, and building a valued brand inside the local communities we serve.

Our philosophy of trust and partnership contributes to our brand identity and is at the heart of all we do. Having an appropriate trusted identity and differentiated services are fundamental to the success of our organization, our branch partners and our sales teams.

We actively build a culture that is:

  • Accountability-Based: For the sake of producing exceptional customer experiences and results, we make and fulfill promises to produce trust with clients and with each other. This produces reliability. People who interact with us can settle and know their concerns are being taken care of.
  • Learning-Based: Opes Advisors’ employees are required to learn new capabilities and build knowledge for their role. This never stops. Our in-house Education Department supports this effort with educational and learning opportunities for all employees.
  • Merit-Based: We appreciate hard work and we reward results.
  • A Professional Family: We are a team and develop relationships and care for each other as we work together to produce meaningful accomplishments.

We Invite You to Join Us

We invite you to be a part of our innovative vision to offer mortgages in a whole new way that delivers real value to clients and Realtors alike.

Opes Advisors is currently seeking experienced and top-performing Mortgage Advisors to work in one of our Bay Area offices. Our mortgage offer includes competitively-priced jumbo, conforming, and government loan products in a specialized mortgage banking platform; a local operations team – from underwriting to funding – who understands the nuances of local markets and provides complete sales support to our Mortgage Advisors.

Qualifications for a Mortgage Advisor

The ideal candidate will have:

  • Minimum of 5 years experience as a Mortgage Advisor.
  • Demonstrated successful sales track record with established relationships in the local Bay Area markets.
  • Solid experience working with multiple loan types.
  • Superior customer service skills.
  • BA/BS degree in business, finance or related field is preferred.

We offer a competitive commission structure and benefits package.

To Apply

If you are driven by excellence and dedicated to success, and want to be part of a company that is changing the industry, please contact Diana Andrews, Regional Production Manager, to discuss opportunities at Opes Advisors.


Diana Andrews
Regional Production Manager
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