"MP" Mortgage Protector
It’s a well-known fact that real estate agents often don’t protect their clients on the mortgage side of the transaction—not because they don’t want to, but because they lack the education on how to do so. Many agents believe, and it’s true, that they can’t steer clients to a particular mortgage company, and they certainly don’t want their name attached to a deal that goes wrong.
But what if you could have your preferred mortgage company conduct a Mortgage Protector Review, while still giving your client the freedom to choose any lender they prefer? And you could even provide three other lender names beyond the review.
This is not only possible, but it can also elevate your status with your clients as an agent who truly protects their interests. We don’t require referrals—we want to earn them.
Below, you’ll find scripts that will help you communicate this to your clients, elevate your status, and safeguard the mortgage transaction, protecting both your clients and your time and money as the agent.
A Story of Transformation: From Frustration to Business Growth
One of my agents used to close just one mortgage a year with her preferred loan officer.
It felt like a losing battle: most clients came in pre-approved with their own lender, and all she could do was suggest a few alternatives. She had no real control over the mortgage side, and too often, it turned into a guessing game.
Sometimes deals fell apart — and eventually, she called me for help.
Her question was simple:
"How can I actually protect my clients — and make sure we get the mortgage?"
At that moment, I didn’t have a perfect answer, but after a lot of thought, we built a solution — and it changed everything.
Today, she’s capturing 8 out of 10 mortgage deals instead of just one.
Here’s what we changed:
She stopped just "recommending" lenders — and started positioning herself as her client’s protector.
She made it clear:
"You can use any lender you want — but for your protection, my team needs to double-check it first."
She explained that if a lender missed even one small thing that could block them from buying their dream home, she wouldn’t let that happen.
The Process:
With client consent, we run a Mortgage Protection Check with a soft credit pull (no score impact).
The client’s lender is never notified.
We share the key qualification details with the agent — empowering her to hold the original lender accountable for fees, rates, and approval standards.
The client still has complete freedom to choose any lender they want.
Circle Home Loans has to earn their business — not demand it.
No pressure. No surprises. Just protection.
Why It Works:
It shifts the agent’s role from “just another advisor” to trusted protector.
It arms the agent with real data to defend their client’s best interests.
It builds trust without ever forcing a lender switch.
Plus, through Circle’s four strategic guarantees and the trusted relationship already built with the client, we naturally win the business — by earning it, not expecting it.
And now, every time her client closes with us, she also earns Circle Partner Points—marketing dollars reinvested straight into her business to help her attract even more clients.
What started as a frustration became the pivot point that transformed her entire operation.
Terms and Conditions
Effective: 4/26/2025
1. Program Purpose
The Mortgage Protector™ Program ("Program") offered by Circle Home Loans is designed to assist real estate agents and homebuyers by offering an additional layer of financial review during the mortgage qualification process.
The Program is purely advisory in nature and does not constitute a loan approval, commitment to lend, or guarantee of mortgage financing.
2. Program Eligibility
Open to licensed real estate agents and homebuyers in the United States.
Client participation requires full consent to review financial information and conduct a soft credit inquiry (which does not affect credit score).
Program availability is subject to borrower qualification under Circle Home Loans' standard underwriting criteria.
3. Program Features
Review of borrower’s provided income, assets, employment, and credit profile.
Identification of potential issues that could impact mortgage approval.
Educational information about available loan options.
No obligation for the client to apply with or secure financing from Circle Home Loans.
4. Limitations and Exclusions
No Guarantee of Approval:
Participation in the Program does not guarantee loan approval, pre-approval, or any specific terms or conditions of financing.
No Guarantee of Rate or Fees:
The Program does not guarantee interest rates, fees, closing costs, or loan terms. Rates and terms are subject to change based on market conditions and borrower qualifications:
Independent Decisions:
Clients are free to choose any lender. Participation in the Program is completely voluntary and not a condition of any real estate transaction.
Accuracy of Information:
The analysis is based solely on the information provided by the client. Circle Home Loans assumes no responsibility for inaccurate, incomplete, or fraudulent information. Third-Party Factors: Circle Home Loans is not responsible for issues outside its control, including but not limited to appraisal results, title issues, property defects, market fluctuations, or changes to borrower circumstances after review.
5. Agent Responsibilities
Agents must clearly disclose to clients that the Mortgage Protector™ Program is advisory only.
Agents may not represent Circle Home Loans' Mortgage Protector™ review as a loan approval or guarantee.
Agents must ensure that all information provided for review is obtained with client consent.
6. Program Modifications
Circle Home Loans reserves the right to:
Change, suspend, or terminate the Mortgage Protector™ Program at any time without notice.
Refuse participation to any client or agent for any reason at its sole discretion, without liability.
7. Limitation of Liability
In no event shall Circle Home Loans, its affiliates, officers, employees, or agents be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to participation in the Program.
Total liability, if any, shall be limited to the amount of fees paid to Circle Home Loans by the client (which, in most cases, will be zero under this free service).
8. Privacy Policy
All client information is treated confidentially in accordance with Circle Home Loans'
Privacy Policy.
Information will not be shared without explicit client consent except as required by law.
9. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of Tennessee.
7,237
Classes Taught
11,217
Webinar Registrants
$4.30M
Clients Saved
$35.42M
Purchase Volume
Support & Learn
Mortgage Education
Disclosures & Legal Notice
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.
RESPA Compliance Statement
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.
Program Disclosure
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.
📄 Terms & Conditions for Leverage Calculation
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.
Intellectual Property
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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