When you think about leads, you probably picture endless cold calls and unanswered texts. But what if your company took its profits, reinvested them into generating its own leads, and then created a system where those leads actively call you? Imagine a phone number that rings directly to all the loan officers handling leads in the company, seamlessly connecting you to ready borrowers.

Now, multiply that by 36 states, and you’ve got a recipe to consistently fill your pipeline with hundreds of loans each month—on top of the referral business you’re already building. You get the freedom to run your business your way, with the added option to flip a switch and watch the phone ring off the hook when you want to scale or recruit.

Sound too good to be true? It's not. We've been doing this for 15 years. Starting as a direct-to-consumer powerhouse, we’ve refined our approach to empower loan officers in the field, giving them the stability to grow and thrive. Picture yourself ready to capitalize on the next refinance boom with the right systems already in place. Are you ready to take your business to the next level?

We offer a wide range of compensation options tailored to fit your business—whether you're a one-person powerhouse or managing a full P&L branch. Our retail platform gives you complete control over disclosures, processing, and closings where it matters most. This control ensures you never miss a closing date and can solve tough issues in-house when they arise. In this model, you set your own margins and have the potential to earn up to 500 basis points (bps) on deals, thanks to our full FHA approval.

But here’s where it gets exciting: what if you could also broker deals when you want and earn 275 bps while accessing a wide range of broker options? With this dual-channel approach, you get the best of both worlds. You gain control and flexibility, allowing you to dominate pricing nationwide through the broker channel while enjoying the full support of our operations. On the broker side, we only charge a per-file fee to cover operational costs and support services like payroll, HR, training, and more.

To sum it up: we’re offering you the ability to generate more leads than you can handle, price more competitively than nearly anyone in the industry, and maintain full control as a retail in-house lender. All of this comes with cutting-edge technology (used by over 17,000 professionals) that we built ourselves, giving you a fresh and innovative platform to grow your business. Ready to take your business to the next level? Let’s make it happen.

Here’s where we truly stand out: At most companies, loan officers are left to rely on their branch manager, a mentor, or simply learn by trial and error to figure out how to complete a loan. This often leaves them feeling uneasy and unsure of what’s next. In fact, it’s one of the main reasons people stay with companies they don’t like—they’ve figured out how to navigate the chaos and know who to contact to force a deal through to closing.

We’ve completely changed that dynamic. With us, you’re part of a community where you can ask questions, get help, and feel supported. Plus, you’ll have access to our training portal with on-demand video walkthroughs for just about everything you’ll ever need. The best part? When you’re stuck, you can instantly pull up the training, fast-forward to exactly what you need, and get back on track without skipping a beat.

To make it even better, the portal tracks your progress, adding a little friendly competition to the mix.

Curious to see it in action? Take a sneak peek at what our training looks like here: Training Portal

We are currently licensed in 36 states and have the ability to add new states quickly when needed. Our licensing footprint includes Alabama, Arizona, Arkansas, California (DFPI), Colorado, Connecticut, the District of Columbia, Florida, Georgia, Illinois, Indiana (DFI), Louisiana, Maryland, Michigan, Minnesota, New Jersey (dual registration), North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina (BFI), South Dakota, Tennessee, Texas (SML), Virginia, Washington, and Wyoming. We are also in the process of expanding our licensing and expect to be operating in nearly all 50 states very soon. This flexibility allows us to adapt to your business needs and ensure seamless operations wherever you choose to grow.

This is where we truly shine. Our LOS/CRM platform is trusted by over 17,000 users and has earned its reputation as one of the best in the industry. In fact, large companies like PRMG have adopted it companywide in their wholesale division, processing thousands of units each month. But here’s what sets it apart: it’s not just another tech stack—it’s an all-in-one solution.

With our platform, you can manage leads, take applications, run credit, price loans, and seamlessly collect documents from clients through our borrower portal. At the same time, you can keep your referral partners updated every step of the way with beautifully crafted email and text updates designed to make you look great. Plus, the referral partner portal allows partners to track progress in real time and even generate their own pre-approval letters on demand.

The system is so intuitive that you can run it right from your phone. It even includes an internal task management system, giving you real-time visibility into what your LOA, processor, and team are working on—no need to chase anyone for updates. This level of clarity and efficiency lets you focus on growing your business with confidence. Simply put, our platform is a communication-driven, mortgage-powered rocket ship built to take your business to the next level.

When I was switching companies way back, one of the first questions I got asked was about benefits. People wanted to know, “What are the benefits like? When do we get them? Are we going to have to go on COBRA? And what about the 401(k)—are you transferring that, and is it a good plan?” These questions come from a place of wanting security, which is completely understandable.

That’s why we’ve structured our benefits to give you peace of mind. At our company, benefits kick in after your first full month, meaning if you time your transition right, you can avoid COBRA entirely. And we’re proud to offer Blue Cross Blue Shield as our provider—honestly, it’s awesome, and we’re a bit biased, but for good reason.

So, you can confidently tell your family that they’ll be well taken care of and that this move is about securing more loans to ensure their future. On a related note, we also offer a comprehensive training library available on day one. This allows you and your team to hit the ground running, avoiding any loss of momentum—because let’s face it, a stalled pipeline can be a business killer. We’re here to make your transition smooth, so you can focus on growing and closing loans without skipping a beat.

A common question we get is, “Do you offer marketing support?” My next question back is, “What does marketing support mean to you?” Most people respond with things like flyers or digital materials. And yes, we can absolutely deliver that—we can turn around a flyer within 48 hours and have plenty of pre-made templates where you can easily add your information.

But here’s what I believe real marketing support looks like: Flyers are fine, but they don’t typically move the needle. Your social presence will have a greater impact than a flyer ever could. However, what really makes a difference is generating business that you can leverage to build relationships. For example, if you want to secure a new, solid referral partner, refer them a client first. Watch how the dynamic shifts when you’re bringing value to their business—it’s powerful. I’ve personally had referral partners take me out for coffee after I sent them a client, and they even paid for my coffee. That’s the kind of energy we’re talking about.

Marketing support also means providing coaching and helping our loan officers stay accountable—if they want that kind of guidance. The real secret to effective marketing? Consistency. Consistency builds trust, visibility, and momentum. That’s what we strive to deliver as part of our marketing support.

Yes, we’ll work with you to create a package that makes you feel confident and comfortable with the move. We’re willing to forgo profit for a period of time to ensure the arrangement works for both parties. That said, it’s important to keep in mind that there’s only so much margin in each loan. While we can offer flexibility, overly aggressive pricing may not be possible if a sign-on bonus is part of the deal. The beauty of our approach is its transparency—you have the control to choose what works best for you.

We’re business builders at heart, focused on being your partner, not just another platform. For larger regions, companies, and branches looking to make significant shifts, we have substantial resources available to fund those transitions seamlessly. Let’s work together to create a strategy that sets you up for long-term success.

Much like questions about pricing, the question of whether our rates are truly raw often comes up. The short answer is yes. If you don’t know how to identify raw rates on your own, we’ll teach you—it’s part of our commitment to keeping things transparent and honest. In today’s world, information is everywhere, and not knowing what your current company’s margin hold is can put you at a disadvantage. Once you understand it, the real question becomes: Is what you’re paying them worth what you’re receiving in return?

So, what about our rates? That depends on the channel you choose. If you go broker, it’s raw rates plus a per-file fee—so you retain the full margin. If you choose in-house, it’s still raw rates, but there’s a bps holdback. The exact amount depends on the structure you select, as this is ultimately a business decision tailored to your goals.

Our belief is that the bps holdback is well worth it when you stay in-house. You’ll gain access to intuitive tech, full operational control, and a system that simplifies the process. However, as you’ve probably noticed, the theme here is choice—you have options.

Want to explore further? Book a demo, and we’ll set you up with demo access so you can run pricing scenarios in our system. You’ll even get to see the investors directly—no masking, unlike most retail lenders. And to be clear, we are a full retail mortgage lender, not a broker. Let us show you how we combine transparency with flexibility to help you succeed.

This is truly our favorite model—business people working with business people. Many well-run P&L branches could easily operate as their own companies, but they understand that the real money is made in closing volume. By focusing on what they do best—closing loans—they can leave the audits, payroll, and risk management to the mortgage company.

It's a pretty sweet setup: you keep around 80% of the profit while taking on only 20% of the risk or less. All of this happens on a platform that offers some of the best tech in the industry, designed to look fresh, operate seamlessly, and help you scale your branch. Add in the ability to tap into corporate leads with the flip of a switch, and you’ve got everything you need to build and grow your business.

In Short, this isn’t just a platform—it’s a rocket ship for your branch’s success.

This question always goes one of two ways. Loan officers without much volume often ask, “Do you have corporate processing?” While those handling significant volume want to know, “Can we bring or hire our own? And who’s going to train them?”

The answer to both is yes. Our corporate processing team is solid and works seamlessly with our tech platform. However, no processor will perfectly meet your needs until you hire and train them to work with your clients the way you want. When your processor understands that their paycheck is directly tied to your production—or your team’s production—the energy and commitment naturally shift.

The beauty of our setup is that you can use corporate processing to help you scale until you’re ready to bring on your own team. For brokered loans, you also have the option of leveraging third-party processing. We’re partnered with several companies that have a proven track record of success in this area.

So whether you’re just getting started or already operating at a high volume, we have the flexibility to support your growth and help you transition smoothly as your needs evolve.

While the idea of being 1099 and enjoying the associated tax advantages is appealing, we believe the ability to earn more than 275 bps on an FHA loan is even better. FHA guidelines require loan officers working with FHA-approved lenders to be classified as W-2 employees, which is a key distinction when working with a retail lender.

We understand that some smaller brokerages promote 1099 status as a benefit, but the reality is that you have to choose what works best for your goals. Our structure is designed to give you the potential to earn significantly more than what you might save in taxes by being 1099. With our platform, tools, and support, you can maximize your earnings and grow your business while staying compliant with FHA regulations.