That's the mortgage-side compensation on buyers you already represented — on deals that already closed. Get licensed and you stop leaving it behind. You keep your brokerage.
Arithmetic at the volume you enter. Gold tier pays 50 bps; Platinum pays 60 bps in any month you close $1M or more, and the calculator applies whichever your volume indicates. Not a projection or an offer of employment. Assumes financed transactions at roughly the sale price; cash deals and large down payments reduce it. Compensation requires an active license and origination work actually performed.
Four of the five are already on your calendar. You're just not licensed for them, and not paid for them.
Takes a minute. Your buyer applies through a link with your name on it.
The financing conversation you're already half-having. I'm on the call until you'd rather I wasn't.
I underwrite, clear conditions, make the hard calls. Your name stays on the relationship.
Except now you can see the file — so you hear about a problem before your client does.
Same room you're always in. Different number of sides you're paid on.
Same broker, same split, same team, same MLS. Your real estate license doesn't move. The mortgage license is separate — sponsored by the bank, under a different regulator.
You do owe your broker a disclosure. Not a resignation — a disclosure. Some brokerages require written approval, a few say no. That's the one real gate.
HUD's Mortgagee Letter 2022-22 allows one person to hold two compensated roles in a transaction, as long as each reflects services actually performed.
This is not a referral fee — those are still prohibited under RESPA. You're licensed, you do defined origination work, you're paid for that work. No license or no duties means no compensation.
Twenty-hour course, SAFE exam, background check, licensing in all fifty states — covered. Your cost is the twenty hours, then two to three hours per file.
Gold tier is 50 bps and where everyone starts. Platinum is 60 bps in any month you close $1M or more.
Dual capacity is prohibited on them. Those files come to me alone and you're paid on the real estate side only.
Ask your managing broker one question — does the brokerage permit dual licensing? Get it in writing. If it's a no, I'll tell you this isn't your program.
$1.8M or six buy-side transactions over trailing twelve months, or $3.6M or twelve combined. Under it, this isn't your program yet.
Bring your buy-side deal count and your average price point. We'll do the arithmetic together.
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