Every time you help a buyer or seller, multiple companies earn revenue — not just yours.
We’ve built a compliant, transparent way to reinvest marketing dollars from affiliated services like mortgage, title, and insurance — allowing agents to grow their brand and pipeline without extra out-of-pocket spend.
Most agents didn’t realize this opportunity existed — now they’re using it to multiply their marketing impact and scale faster.
Get exactly what you need in 10 minutes or less — and feel free to speed it up.
This simple pivot can give you massive leverage
Get exactly what you need in 10 minutes or less — and feel free to speed it up.
This simple pivot can give you massive leverage.
Circle isn’t just a mortgage company — we’re a growth engine built around the success of real estate professionals.
We collaborate with independent mortgage, title, insurance, and home warranty providers to offer optional, compliant, and performance-based marketing support — made possible through our unique Circle Points™ rewards system.
At the same time, our industry-first Mortgage Protector™ system gives agents a critical edge — helping buyers get clarity early with a soft credit review, purchase-readiness score, and high-level insights (shared only with client consent). This helps manage expectations, reduce fallout, and move deals forward with greater confidence.
While most lenders retain profits and move on, Circle reinvests a portion of our earned revenue — from mortgage and other transaction-side services — back into the real estate ecosystem in a compliant, transparent, and non-contingent way.
Everything we offer is:
✅ 100% RESPA, HUD, and CFPB compliant
✅ Based strictly on closed transactions, not referrals
✅ Optional, trackable, and fully documented
✅ Designed to help you market smarter — without spending more
Mortgage Protector™
→ Buyer Readiness Scores
→ Client-consented insights
→ Faster offers, fewer surprises Circle Points™
→ Earned from closed transactions
→ Redeemable for marketing services
→ Never tied to referrals
→ 100% compliant. 100% yours.
Circle isn’t just a mortgage company — we’re a growth engine built around the success of real estate professionals.
We collaborate with independent mortgage, title, insurance, and home warranty providers to offer optional, compliant, and performance-based marketing support — made possible through our unique Circle Points™ rewards system.
Through this platform, agents can unlock co-branded campaigns, digital marketing assets, and educational tools — all funded legally through the net proceeds of closed transactions, and never based on referrals or steering.
At the same time, our industry-first Mortgage Protector™ system gives agents a critical edge — helping buyers get clarity early with a soft credit review, purchase-readiness score, and high-level insights (shared only with client consent). This helps manage expectations, reduce fallout, and move deals forward with greater confidence.
While most lenders retain profits and move on, Circle reinvests a portion of our earned revenue — from mortgage and other transaction-side services — back into the real estate ecosystem in a compliant, transparent, and non-contingent way.
Everything we offer is:
✅ 100% RESPA, HUD, and CFPB compliant
✅ Based strictly on closed transactions, not referrals
✅ Optional, trackable, and fully documented
✅ Designed to help you market smarter — without spending more
Mortgage Protector™
→ Buyer Readiness Scores
→ Client-consented insights
→ Faster offers, fewer surprises Circle Points™
→ Earned from closed transactions
→ Redeemable for marketing services
→ Never tied to referrals
→ 100% compliant. 100% yours.
Measure the Real Value You Bring to Every Transaction
You already generate tens of thousands in profit for lenders, title companies, inspectors, and more — just by helping your clients close.
This calculator shows what that leverage is worth — and how a small reinvestment (from profits already being made) could multiply your closings, without changing vendors or paying for leads.
It’s not theory — it’s based on national averages and your real numbers. No contracts. No catch. Just strategy.
This tool is for informational purposes only. Results are based on estimated reinvestment benchmarks and do not constitute financial guarantees or compensation offers.
I’ve been in the mortgage industry since 2011, closing over 2,000 deals — all from realtor referrals.
I founded Circle because I noticed something missing: while other industries were helping their partners grow, the mortgage world rarely reinvested its own money or time into agent branding and marketing. Instead, they left agents to figure it out on their own.
I believed there was a better way.
Instead of working with more agents, I focused on helping fewer agents grow bigger — because it just made sense to build stronger partnerships. As I looked deeper, I realized that too many companies were using "compliance" as an excuse to avoid doing anything beyond their basic job. Meanwhile, agents were stuck spending their own money and time trying to grow. No wonder the industry felt so fragmented.
I’ve always believed in working as a team — and on every transaction, your team either helps you win or slows you down.
Big builders and teams don’t leave success to chance — and neither should we.
Circle’s DNA is simple: help everyone around us grow.
We paved the way for agents to tap into mortgage, title, and other industries to 2x and 3x their marketing dollars — with full compliance and no strings attached.
Let’s win together.
I’ve been in the mortgage industry since 2011, closing over 2,000 deals — all from realtor referrals.
I founded Circle because I noticed something missing: while other industries were helping their partners grow, the mortgage world rarely reinvested its own money or time into agent branding and marketing. Instead, they left agents to figure it out on their own.
I believed there was a better way.
Instead of working with more agents, I focused on helping fewer agents grow bigger — because it just made sense to build stronger partnerships. As I looked deeper, I realized that too many companies were using "compliance" as an excuse to avoid doing anything beyond their basic job. Meanwhile, agents were stuck spending their own money and time trying to grow. No wonder the industry felt so fragmented.
I’ve always believed in working as a team — and on every transaction, your team either helps you win or slows you down.
Big builders and teams don’t leave success to chance — and neither should we.
Circle’s DNA is simple: help everyone around us grow.
We paved the way for agents to tap into mortgage, title, and other industries to 2x and 3x their marketing dollars — with full compliance and no strings attached.
Let’s win together.
Book FREE Strategy Call
I’ve Spent the Last 15 Years Working with Agents — But I Made a Big Mistake.
For years, I believed the best way to support agents was simple — faster closings, better rates, and strong service.
And while that helped... it didn’t create real leverage.
Resource reinvestment did.
When I realized how much revenue is generated during a typical mortgage, title, insurance, and warranty transaction — and how little of it was ever reinvested into the agent's growth — everything changed.
Today, through Circle Points™ and Mortgage Protector™, we’re flipping the script — helping agents access compliant, earned marketing support without contracts, fees, or regulatory risk.
In this free workshop, I’ll show you exactly how it works.
You’ll discover:
✅ How Circle’s full platform — mortgage, title, insurance, and warranty — unlocks additional marketing support (without requiring you to change your preferred vendors).
✅ How Circle Points™ transparently reinvests revenue from completed transactions into marketing tools that fuel your brand and pipeline.
✅ How Mortgage Protector™ strengthens your transactions by offering client-consented buyer insights, faster approvals, and better-managed expectations — without changing your workflow.
✅ Why our system is 100% compliant with RESPA, HUD, and CFPB guidelines— and why operating within full compliance protects both your business and your clients.
✅ How agents using this platform are building stronger, faster-growing businesses —
without paying for leads, giving up referrals, or compromising their independence.
The truth is, for decades, much of the value created by real estate agents never came back to support their own growth.
Circle was built to change that.
After this workshop, you'll know exactly how to tap into legally structured reinvestment strategies — and grow a business that’s bigger, faster, and fully protected.
I’ve Spent the Last 15 Years Working with Agents — But I Made a Big Mistake.
For years, I believed the best way to support agents was simple — faster closings, better rates, and strong service.
And while that helped... it didn’t create real leverage.
Resource reinvestment did.
When I realized how much revenue is generated during a typical mortgage, title, insurance, and warranty transaction — and how little of it was ever reinvested into the agent's growth — everything changed.
Today, through Circle Points™ and Mortgage Protector™, we’re flipping the script — helping agents access compliant, earned marketing support without contracts, fees, or regulatory risk.
In this free workshop, I’ll show you exactly how it works.
You’ll discover:
✅ How Circle’s full platform — mortgage, title, insurance, and warranty — unlocks additional marketing support (without requiring you to change your preferred vendors).
✅ How Circle Points™ transparently reinvests revenue from completed transactions into marketing tools that fuel your brand and pipeline.
✅ How Mortgage Protector™ strengthens your transactions by offering client-consented buyer insights, faster approvals, and better-managed expectations — without changing your workflow.
✅ Why our system is 100% compliant with RESPA, HUD, and CFPB guidelines— and why operating within full compliance protects both your business and your clients.
✅ How agents using this platform are building stronger, faster-growing businesses —
without paying for leads, giving up referrals, or compromising their independence.
The truth is, for decades, much of the value created by real estate agents never came back to support their own growth.
Circle was built to change that.
After this workshop, you'll know exactly how to tap into legally structured reinvestment strategies — and grow a business that’s bigger, faster, and fully protected.
We get it — skepticism is healthy. Especially in this industry.
The truth is, not everyone loves that we’re exposing this strategy. But that’s exactly why it’s worth your time.
Read below and see why agents are calling this a game-changer.
Circle Points™ is our rewards program that reinvests a portion of lender profits back into helping agents grow their business — without costing them a dime.
Every time you work with us and a transaction closes, a portion of the profits are automatically converted into Circle Points™ you can redeem for real marketing services, lead generation support, brand promotions, client gifts, and more.
There are no contracts, no fees, and no need to send referrals — Circle Points™ are earned simply by closing transactions with us and engaging with our team.
It’s a smarter way to grow your business, powered by the profits you help create — and fully RESPA-compliant.
Mortgage Protector™ is a behind-the-scenes service that helps protect your client, your time, and your money — even if your buyer chooses another lender.
Here’s how it works:
You (the agent) offer your client a free second review through your "team" (that’s us, working quietly behind the scenes).
We perform a soft credit check and a full document review without alerting the other lender.
While reviewing, we educate the buyer about potential risks, hidden delays, and how we protect their best interests. We back this protection with our $10,000 On-Time Closing Guarantee.
After the review, we call you (the agent) privately with the buyer’s readiness details. You’ll know exactly how strong the buyer is, where any red flags are, and how to better guide them through the emotional buying process.
✅ Best case: You have a smooth, faster transaction because you know what’s coming.
✅ Worst case: You hold the other lender accountable before problems pop up — protecting your client and your commission.
Mortgage Protector™ turns your pipeline from risky to resilient — and it’s completely free.
There’s no catch — and no, you don’t have to send us deals first. But to be upfront, we can’t invest heavily in a market until there’s some traction. Once we close a few deals together, we reinvest what we earn to help grow both sides — that’s the model. It’s not about asking for referrals upfront, it’s about earning them by showing you how we work first.
Our program is fully compliant with the Real Estate Settlement Procedures Act (RESPA) because it’s built around three key principles: No referral fees, no required transactions, and full transparency. We do not pay or accept compensation for referrals. Instead, our system—like Circle Points™—rewards agents only after a closed transaction, and only for actual services rendered (such as co-branded marketing, webinars, or educational participation). All value provided is documented, optional, and proportionate, ensuring compliance with Section 8 of RESPA. We also maintain a clear paper trail, written agreements when necessary, and never condition business on referrals—ever. This isn’t about buying business. It’s about building mutually beneficial partnerships where both sides win—and do so ethically.
✅ 1. Clear, Upfront Disclosures Circle provides transparent terms on loan programs, rate options, and fees at the beginning of the client relationship. We use tools like Loan Estimates, mortgage double-checks, and Circle Buyer Readiness Scores™ to eliminate surprises. Agents and borrowers know what’s being offered—and why.
✅ 2. Ethical Profit Reinvestment Rather than hiding profits or using teaser rates, Circle reinvests a portion of lender profit back into the agent’s brand and consumer experience—in full view of all parties. This creates alignment: when we win, our partners and clients do too.
✅ 3. No Hidden Agendas No referral fees, no kickbacks, and no quid pro quo. Circle Points are earned only after closed transactions and only for services actually performed—compliant with RESPA. Our pitch isn’t “send us deals.” It’s “let us protect your client, earn trust, and then we’ll earn the business.”
✅ 4. Consumer Empowerment Through Choice We protect the client’s right to choose their lender—no pressure, no conditions. We encourage second opinions via Mortgage Protection Checkups, empowering consumers to make informed, confident decisions. This aligns with CFTD’s principle of reducing information asymmetry.
✅ 5. Full Transparency in Co-Marketing Any co-marketing activity is documented, voluntary, and proportionate to actual value received, in line with HUD guidance. We provide written agreements, real marketing deliverables, and agent-facing dashboards to track performance and use of funds.
In most cases, no. Circle Points™ does not require an AfBA disclosure unless you have an ownership stake or financial interest in the partner you're working with (e.g., title, escrow, insurance, or real estate company).
Here’s the breakdown:
✅ You DO NOT need an AfBA disclosure if: You're simply rewarding real estate agents with marketing value (post-closing) based on real, documented services. There is no shared ownership between Circle Home Loans and the agent’s brokerage or any other settlement service provider. You are not requiring the use of a specific title, escrow, or insurance company that you own or have a stake in. Circle Points™ are used for things like: Facebook ads Just listed postcards Video production Local SEO
✔️ These are marketing services, not settlement services—so AfBA does not apply.
🚨 You MAY NEED an AfBA disclosure if: Circle or Priority 1 Lending owns or has a financial interest in a: Title company Escrow service Insurance agency Realtor team/brokerage And you direct business to those companies as part of the transaction In that case: You must disclose the relationship in writing using a standardized AfBA form You must state that consumers are not required to use the affiliate You must offer alternative options
How does this partnership actually help me grow my business?
We help you grow by doing what most lenders won’t — we reinvest into the business we build together. That means running local marketing, booking buyer webinars, creating agent-branded funnels, and even helping re-engage your past clients. Our process drives serious buyers to you, and our team closes them fast. The more we close, the more we put back into your market. It’s a true partnership — not just talk.
Fair question — and honestly, it’s one we hear a lot. The reason is simple: most lenders aren’t willing to share margin or reinvest into agents the way we do. It’s easier to just collect referrals and move on. We took a different path — we built Circle quietly, tested it, and proved it works before scaling. You haven’t heard of it because we haven’t needed to shout. Now that we’re expanding, you’re hearing about it early
Yes — but only after we’ve closed business together. We don’t ask for upfront referrals, and we don’t promise the world without results. Once deals start closing, we reinvest the profits back into your market — through co-branded ads, webinars, client funnels, and even scheduling buyer or agent meetings for you. It’s not theory — it’s part of our business model. When you win, we win, so it only makes sense to fuel that growth together
We don’t hand out leads with strings attached — but yes, we absolutely help you get them. Once we’ve closed a few deals together, we use part of our profit to run buyer webinars, re-engage your past clients, and drive traffic through custom funnels and marketing. You stay front and center, and the activity we generate leads to real conversations, not cold leads. It’s a system we’ve built to grow together — not just a lead drop
No, you don’t have to co-market with us to benefit. Everything we do — fast closings, real-time updates, pre-approval guarantees, buyer readiness scoring — is built to make you look good whether we co-market or not. But if you want to amplify results together, we can explore compliant co-branded marketing once we’ve closed some business. It’s optional, never required
Referral-based business is where we started — and where we still excel. For over 15 years, we built our reputation by serving agents at the highest level, becoming top-ranked originators on Scotsman Guide strictly from agent referrals. That doesn’t happen without great communication, fast closings, and consistent follow-through. We’ve just added a direct-to-consumer engine on top of that — but the referral side is still at the core of everything we do
Because you’ll see a compliant, structured way to unlock additional marketing support from your completed transactions —without contracts, fees, or vendor obligations.
15 minutes could open the door to leveraging revenue you’re already generating — without changing lenders, titles, or insurance partners if you don't want to.
Because while Circle’s platform is available nationwide, your opportunity depends on your specific market, production volume, and growth goals.
On the call, we'll map out how much compliant marketing support you could access based on your business — and how quickly you could start reinvesting into your brand.
See Leverage Calculation Above
Disclosure: All amounts are estimates. Actual Circle Points™ allocation varies by loan structure, investor guidelines, and transaction profitability. No points are earned for referrals or business direction. Points are based solely on closed, funded transactions.
Circle Points™ can be redeemed for marketing initiatives designed to grow your real estate brand, such as:
Paid digital advertising (Facebook, Instagram, Google)Listing promotions Lead generation campaigns Client appreciation events (within RESPA limits)Branding content (logos, videos, flyers)Prospecting tools and targeted lists Custom video production RESPA-compliant client gifts
Instead of funding marketing solely out of pocket, Circle Points™ allow you to reinvest transaction-driven resources into visibility, lead flow, and client engagement —all while remaining fully compliant.
More exposure → more listings → more buyers → stronger commissions.
You stay focused on serving clients and closing deals — while our team deploys your Circle Points™ toward proven marketing activities behind the scenes.
We handle the execution — you stay in momentum.
We work with agents with these companies Image & more
Because you’ll see a compliant, structured way to unlock additional marketing support from your completed transactions —without contracts, fees, or vendor obligations.
15 minutes could open the door to leveraging revenue you’re already generating — without changing lenders, titles, or insurance partners if you don't want to.
Because while Circle’s platform is available nationwide, your opportunity depends on your specific market, production volume, and growth goals.
On the call, we'll map out how much compliant marketing support you could access based on your business — and how quickly you could start reinvesting into your brand.
See Leverage Calculation Above
Disclosure: All amounts are estimates. Actual Circle Points™ allocation varies by loan structure, investor guidelines, and transaction profitability. No points are earned for referrals or business direction. Points are based solely on closed, funded transactions.
Circle Points™ can be redeemed for marketing initiatives designed to grow your real estate brand, such as:
Paid digital advertising (Facebook, Instagram, Google)Listing promotions Lead generation campaigns Client appreciation events (within RESPA limits)Branding content (logos, videos, flyers)Prospecting tools and targeted lists Custom video production RESPA-compliant client gifts
Instead of funding marketing solely out of pocket, Circle Points™ allow you to reinvest transaction-driven resources into visibility, lead flow, and client engagement —all while remaining fully compliant.
More exposure → more listings → more buyers → stronger commissions.
You stay focused on serving clients and closing deals — while our team deploys your Circle Points™ toward proven marketing activities behind the scenes.
We handle the execution — you stay in momentum.
"I feel protected"
"Andrew & Team have my back, he just saved a deal for me with the clients walking at the closing table. They are the best. It also helps they help expand my marketing."
- Carol
"You can't unsee it"
"This makes so much sense, can't believe I have been in the business this long and just figured this out 🚀."
- Josh
"So glad I showed up"
"Just like everyone, I thought this was another sales meeting. They did not ask for anything, and I walked away with a new perspective. This makes so much sense."
- Ethan
Reason 1: Multiply Your Marketing Power Without Spending More
Most agents fund their own growth. We show you how to reinvest marketing support earned through closed transactions— without new costs or upfront spend.
No one-size-fits-all solutions. We design a reinvestment roadmap based on your location, client base, and production goals.
Our Mortgage Protector™ system strengthens your client relationships by helping you manage expectations, win offers faster, and retain buyers long term.
You’ll see how agents are earning marketing credits through completed deals, using Circle Points™ to fuel brand growth —
without tapping their wallets.
Leverage the value you’re already creating in transactions to amplify your growth — without adding to your workload or chasing thin-margin deals.
No hidden contracts. No referral pressure. No risky co-marketing schemes. Just transparent, compliant support built for sustainable agent growth.
This isn’t a bait-and-switch. Whether we work together or not, you’ll leave with actionable strategies you can immediately apply.
Margins are tighter. Clients are more cautious. Learn how top agents are adapting, reinvesting smarter, and growing faster — while others get stuck.
Without touching your commission, selling mortgages, or referring business, you’ll discover how to create new marketing momentum from completed transactions— fully RESPA-compliant.
Most agents never see these strategies — even after years in the industry. In one short session, you’ll unlock tools that top agents are already using to scale in today’s market.
Book FREE Strategy Call
Most agents fund their own growth. We show you how to reinvest marketing support earned through closed transactions— without new costs or upfront spend.
No one-size-fits-all solutions. We design a reinvestment roadmap based on your location, client base, and production goals.
Our Mortgage Protector™ system strengthens your client relationships by helping you manage expectations, win offers faster, and retain buyers long term.
You’ll see how agents are earning marketing credits through completed deals, using Circle Points™ to fuel brand growth —
without tapping their wallets.
Leverage the value you’re already creating in transactions to amplify your growth — without adding to your workload or chasing thin-margin deals.
No hidden contracts. No referral pressure. No risky co-marketing schemes. Just transparent, compliant support built for sustainable agent growth.
This isn’t a bait-and-switch. Whether we work together or not, you’ll leave with actionable strategies you can immediately apply.
Margins are tighter. Clients are more cautious. Learn how top agents are adapting, reinvesting smarter, and growing faster — while others get stuck.
Without touching your commission, selling mortgages, or referring business, you’ll discover how to create new marketing momentum from completed transactions— fully RESPA-compliant.
Most agents never see these strategies — even after years in the industry. In one short session, you’ll unlock tools that top agents are already using to scale in today’s market.
Mortgage Education
Circle Home Loans is a division of Priority 1 Lending LLC.
This is not a commitment to lend. All loans are subject to credit approval, underwriting review, and property appraisal. Terms, conditions, and programs are subject to change without notice.
Any mortgage-related services offered through this site are provided by licensed mortgage professionals. This site is intended for informational purposes only and does not constitute legal, financial, or tax advice. Consult appropriate licensed professionals for specific guidance.
Circle Home Loans does not offer, promise, or provide anything of value in exchange for the referral of settlement service business.
All marketing collaborations, including Circle Points™ activities, are conducted in full compliance with the Real Estate Settlement Procedures Act (RESPA), 12 U.S.C. § 2601 et seq.
Marketing services offered through Circle Points™ are provided only after verified agent participation in closed transactions, not for referrals, and are based on documented services performed. All optional co-branded marketing initiatives require proportional fair market value contributions as required by law.
Agents and brokerages do not receive compensation for the act of referring clients to Circle Home Loans unless explicitly disclosed and permitted under applicable legal exceptions.
Statements regarding the reinvestment of $5,000,000 into local markets reflect combined activities of Priority 1 Lending LLC and its affiliated divisions, including both purchase and refinance business channels.
Results vary and are not guaranteed. All references to marketing reinvestment, profits, or performance are illustrative only and do not constitute a guarantee of future results or financial return. Circle Home Loans is a direct lender committed to reinvesting earned revenue into marketing systems that generate, support, and close transactions.
By using this calculator, you acknowledge and agree to the following:
For Informational Purposes Only
The output of this tool is an estimate based on the information you provide. It does not constitute financial, tax, legal, or business advice. Actual results may vary significantly based on market conditions, agent performance, marketing execution, and other external factors.
No Guarantees
Circle Home Loans makes no representations or warranties regarding the accuracy, profitability, or effectiveness of the projections shown. Use of this calculator is at your own risk.
Data Collection & Use
Your name and email may be used to send you a copy of your results, relevant follow-up resources, and marketing updates. Your data will not be sold or shared outside of Circle Home Loans or its affiliates.
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This calculator and all associated materials are the intellectual property of Circle Home Loans. Unauthorized copying, distribution, or reuse is prohibited.
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