Our FLAT FEE Model is a Game Changer!
THREE Amazing Pay Plans to Pick From
All Plans have a One Time Membership Fee
W2 or 1099 Options Available – Flat Fee W2 Employees deduct 12 bps from total loan amount per payroll
One Time Membership Fee = $1,000.00 – (Can be deducted from 1st two closings)
Recurring Monthly Tech Fee = $100.00
1099 or W2 Options Available – W2 Employees deduct 12 bps from total loan amount per payroll.
- Closed loans under 100k – you pay only $300.00
- Closed loans over 100k – you pay only $500.00
- Closed loans over 500k – you pay only $700.00
MLO’s are responsible for all additional fees.
One Time Membership Fee = $2,000.00 – (Can be deducted from 1st two closings)
Recurring Monthly Tech Fee = $100.00
1099 or W2 Options Available – W2 Employees deduct 12 bps from total loan amount per payroll.
- Closed loans under 100k – you pay only $200.00
- Closed loans over 100k – you pay only $400.00
- Closed loans over 500k – you pay only $600.00
MLO’s are responsible for all additional fees.
One Time Membership Fee = $500.00 – (Due at the time of Sponsorship)
Recurring Monthly Tech Fee = $100.00
1099 or W2 Options Available
- 150 bps Points – Lender Paid
- Exclusive Lead options available (additional costs apply)
- Access to 50 Plus Lenders and Growing
- Credit Reports (Borrower Pays)
- 3rd Party Processing (Borrower Pays)
- All Lenders Set at 2.375 Comp for Low Rates
Examples of our Giant Payouts!
3,5,7 Pay Plan
Click to Open Pay Examples
(w2 employees deduct 12 bps from total loan amount per payroll)
Lender Paid Example – For Extremely Low Rates our Lenders are set at 2.375
Loan Amount: $99,000 x 2.375 = $2,351.25
You Pay $300.00
Your Compensation = $2,051.25
Loan Amount: $250,000 x 2.375 = $5,937.50
You Pay $500.00
Your Compensation = $5,437.50
Loan Amount: $600,000 x 2.375 = $14,250
You Pay $700.00
Your Compensation = $13,550
2,4,6 Pay Plan
Click to Open Pay Examples
(w2 employees deduct 12 bps from total loan amount per payroll)
Lender Paid Example – For Extremely Low Rates our Lenders are set at 2.375
Loan Amount: $99,000 x 2.375 = $2,351.25
You Pay Only $200.00
Your Compensation = $2,151.25
Loan Amount: $250,000 x 2.375 = $5,937.50
You Pay Only $400.00
Your Compensation = $5,537.50
Loan Amount: $600,000 x 2.375 = $14,250
You Pay $600.00
Your Compensation = $13,650
Basis Point Pay Plan
Click to Open Pay Example
Lender Paid Example – For Extremely Low Rates our Lenders are set at 2.375
Loan Amount: $250,000 x 150bps = $3,750.00
Your Compensation = $3,750.00
What’s Included for Members
$100.00 Recurring Monthly Fee
- Includes Arive (Loan Origination Software)
- Includes Microsoft Office Products
- Includes Microsoft Office 365 Email
- Access to 50 Plus Lenders and Growing
- Access to our Live Scenario Desk
- Access to our Training Portal
- Access to Extremely Low Rates
- Access to our 3rd Party Processing List
- Access to Personal Optimized Website
- Go Lender Paid or Borrower Paid
Additional Costs Apply
- Access to our Exclusive Lead Program (see pricing)
- Access to Live Lead Transfers – Direct to your Cell Phone
- Access to Optimal Blue for Easier Loan Pricing (1st month free, $79.00 monthly)
- Credit Reports through Advantage Credit – (charge the borrower or you will be charged)
- 24 Hour Direct Deposit on Closings – ($60.00 charge)
Why Pay a Membership Fee
Our one time membership fee is peanuts compared to your first closing
Dear Mortgage Brokers,
We invite you to become a part of our esteemed community through a one-time membership fee. This investment not only signifies your commitment to excellence but also opens the door to unparalleled benefits that will enrich your professional journey. Importantly, this fee will effortlessly be recouped from your first closing, making it a valuable investment in your future success.
Here are the key advantages that underscore why this membership is indispensable:
- Unbeatable Flat Fees: As a member, you’ll enjoy the lowest flat fees in the industry. This competitive edge ensures that more of your hard-earned money remains in your pocket, maximizing your profit margins on every transaction.
- Reputation Is Key: Leverage our easy-to-sell, 27-year standing reputation. This legacy is a testament to our unwavering quality, reliability, and integrity in the mortgage industry. Associating with our brand will instantly elevate your trustworthiness in the eyes of your clients.
- Comprehensive Loan Program Access: Gain access to every loan program available in the market. This inclusivity ensures you can offer tailored solutions to meet the diverse needs of your clients, enhancing your ability to close deals successfully.
- Competitive Rates and Top-Rated Technology: Our members benefit from low rates and access to top-rated technology. These tools and resources are designed to streamline your workflow, increase efficiency, and provide a seamless experience for both you and your clients.
- Exclusive Leads at a Discount: Access to top-rated exclusive leads at discounted prices, including both purchase and refinance leads. This privilege ensures you have a constant pipeline of potential clients, reducing your marketing costs and focusing your efforts on closing deals.
Joining our community is not just about paying a membership fee; it’s about making a strategic investment in your career. With our unparalleled support, industry-leading benefits, and a commitment to your growth, the membership fee is the first step towards taking your business to new heights. Embrace this opportunity to stand out in the competitive mortgage landscape and achieve unprecedented success.
We look forward to welcoming you into our distinguished circle of mortgage professionals.
Best regards,
Smart Mortgage Team!
Why Brokers are Making the Move!
Wow your client’s with our reputation, technology, low rates, and speedy closings.
No minimum closings, no hidden fees, payroll is always right!
Use our 3rd party processing, bring your own and get access to our scenario desk.
Who Are We?
Smart Mortgage is revolutionizing the mortgage industry
Smart Mortgage, with a solid 27-year reputation in the mortgage industry, stands out for its innovative approach to empowering mortgage brokers. Our unique small flat fee model is designed to put more money in the pockets of our brokers, allowing them to retain BIG COMMISSIONS. This straightforward and transparent pricing structure not only highlights our commitment to fairness and value but also makes joining our team more attractive and easier than ever.
At Smart Mortgage, we believe in fostering a supportive and rewarding environment for our brokers, enabling them to focus on what they do best: helping clients find the perfect mortgage solutions. Join us, and become part of a team that values your hard work and dedication, where your success is our priority.
Expanding Fast
Expanding across the nation by 2025!
Technology
Staying up to date with the latest technology!
Huge Lender List
Huge lender list, with the ability to add lenders in 24 hours!
Cloud Based LOS
Do your loans from start to finish from your cell phone!
Our Testimonial
Reviews from our Team and A.E’s
Changing the Industry
Smart Mortgage is changing the game by providing their teams with small flat fees. Everyone would agree putting a majority of the closing check in your pocket is pretty great!
Love the Flat Fee
I've worked at many brokers over the years and love the flat fee pay structure. I'm earning more now and couldn't be happier.
Huge Commission Checks
I was tired of giving away my hard earned money. My checks have tripled with the flat fee model and my expenses are also the lowest they have ever been.
