Stop Leaving Investor Revenue on the Table
You work tirelessly to source and negotiate deals. When it comes time to secure the financing, you shouldn’t have to choose between getting cut out of the upside or referring a lender that jeopardizes your client’s data. Here is how we protect you.
1. The Compliance Shield
Most agents are trained to avoid mortgage referrals due to RESPA restrictions. However, RESPA only applies to Consumer mortgages. Because our Fix & Flip and DSCR Rental loans are strictly business-purpose commercial loans, they are legally exempt from RESPA. Commercial referral fees are 100% compliant.
2. Discreet 48-Hour Wires
If you elect to take the fee, we keep it off the borrower’s settlement statementso your investor doesn’t see your corporate payout at the closing table. Instead, we wire the funds directly to your Managing Broker’s corporate operating account within 48 hours of funding, protecting your client relationships.
3. Bank-Level Data Security
Your reputation is tied to our execution. We utilize a SOC 2 Type II certified portal with AES-256 encryption. We never accept sensitive Personally Identifiable Information (PII) over email, ensuring your high-net-worth clients are protected from cyber threats at every step.
Respecting the Brokerage Hierarchy
We have been partnering with brokerages nationwide since 2018, and we are fiercely protective of your real estate license. We never cut checks directly to individual agents “under the table.”
100% of our referral fees are paid directly to your Managing Broker’s corporate entity (e.g., Keller Williams, Century 21, or your independent LLC). Once we receive a W-9 and voided corporate check, the wire is deployed. Your Managing Broker then processes the referral fee according to your existing independent contractor split agreement. We respect the chain of command.
Total Pipeline Transparency
While we protect your client’s financial data behind our encrypted firewall, we keep you fully updated. Our system triggers automated Milestone Alerts directly to your inbox. You will know exactly when the Appraisal is ordered, when Underwriting issues approval, and when the Clear to Close is issued, keeping you in the driver’s seat.
Two Ways to Win: The Payout vs. The Loyalty Play
We allocate 25% of our gross origination fee to the referring agent. Because we view you as a true partner, we give you total control over how to leverage that capital to grow your real estate business.
Option A: The Corporate Payout
Target Acquisition: $300,000 Property
Origination Fee: 2.00 Points ($6,000)
Brokerage Wire: $1,500
Wired to your Managing Broker within 48 hours of closing, kept completely off the borrower’s HUD to protect your relationship.
Option B: The Loyalty Play
Target Acquisition: $300,000 Property
Origination Fee: 2.00 Points ($6,000)
Client Closing Credit: $1,500
Waive your fee and apply it as a direct lender credit to your buyer. You lower their cash-to-close, increase their ROI, and secure their loyalty for the next 10 listings.
Broker Partnership FAQs
Is this a RESPA violation?
No. Our loans are strictly for non-owner-occupied investment properties. Because these are classified as Business-Purpose commercial transactions, they fall completely outside the jurisdiction of the Real Estate Settlement Procedures Act (RESPA), making corporate referral fees 100% legal and compliant.
Exactly how does my brokerage get paid?
If you elect Option A (The Payout), we keep the fee off the borrower’s closing disclosures to protect your relationship with your buyer. Upon funding, we require a W-9 and a voided check for your Managing Broker’s corporate entity. Within 2 business days, we wire the funds directly to that corporate operating account (minus a nominal $30 bank servicing fee).
Can I really use my fee as a discount for my client?
Yes. If you are working with a high-volume investor and want to secure their long-term loyalty (Option B), simply let us know during the application phase. We will waive your 25% corporate referral split and apply those exact funds as a credit toward your client’s origination costs on the final settlement statement.
What types of properties and loans qualify?
All of our core commercial products qualify for the referral program, including our Residential Transition Loans (Fix & Flip / Bridge), Ground-Up Construction loans, and our 30-Year DSCR Vacation & Rental Loans.
Start Monetizing Your Investor Pipeline Today
Register your brokerage below to receive your official Commercial Referral Authorization Agreement, or submit your first scenario for immediate pricing.