Stop Sending Your Profits to Other Banks.
Own the Transaction.
Capture the Revenue.
Every time your agents refer a client to an outside lender, you are handing away your most valuable asset: the revenue from the mortgage.
You’ve done the hard work of building the brand and winning the client. Why stop at the commission? When you refer out the loan, you lose control of the closing timeline, and more importantly you watch a massive, secondary revenue stream walk out your door.
The iServe Blueprint puts that profit back in your pocket. We provide a “Mortgage Branch in a Box” that integrates a high-volume lending engine directly into your existing real estate business. You bring the vision; we provide the turnkey, compliant infrastructure to monetize every closing.
SEE HOW IT WORKS
WHY PARTNER WITH iSERVE
The Profit Advantage
Recapture Lost Revenue
Transform your existing lead flow into a powerful second income stream without reinventing your business.
Loan Pricing Power
Offer your clients rates and products that retail banks can’t match, making your agents more competitive.
Plug-and-Play Compliance
We manage the licensing, audits, and regulatory hurdles. You focus on the bottom line.
Seamless Execution
Our “Processing Pods” handle the heavy lifting from application to clear-to-close, ensuring your deals stay on track and your overhead stays low.
Stop Referring.
Start Scaling.
“If you aren’t financing the homes you sell, you’re only earning half of what you’re worth.
Find out exactly how much you’re leaving on the table, or begin building your in-house mortgage arm today.
COMMON QUESTIONS
Everything You Need to Know
How can I legally get paid? Doesn’t this violate some laws or regulations.
For our Realty Lending Network: As the Branch Manager, you are an employee of iServe and receive the net profit from your Branch loan production. This has been fully reviewed by our legal counsel and is compliant with all legal and regulatory agencies. The timing and structure of the distributions can be set up to best meet your objectives.
For our Producing Agent Model: Your are NMLS licensed and an employee of iServe. This is fully compliant.
What are the physical requirements to have a branch?
Although every State can have its own rules, a dedicated and secure facility is normally required. The size is dependent upon the number of employees who will occupy the Branch.
What disclosures are required? Does iServe provide them?
iServe will provide all disclosures necessary as may be required by both State and Federal agencies.
Do I need to get a license?
NMLS licensing is required for producing Originators.
In many States, licensing for a non-producing Branch Manager is not required.
Are there CE requirements?
There are annual CE requirements to maintain your NMLS licensing.
What are the expenses for running a branch?
The branch manager maintains control over the branch expenses to assure a net income flow. Expenses can vary depending upon many unique factors for each branch. For example: rent, utilities, number of employees, marketing, entertainment, and equipment can vary between branches. IServe will provide the necessary support for these decisions throughout the process.
Does iServe need any money up front from me to start this process?
Nope!
Who covers the losses if the branch loses money?
Your monthly account detail will provided the accounting necessary for any losses should they occur. Your net profit each month will have been adjusted for any of those previous losses. Remember, iServe will be working with you every step of the way to help assure ongoing monthly net profit.
Where is underwriting and processing located?
iServe provides an extensive employee network of both processors and underwriters to support your needs. We understand that our support is critical to your success. We utilize both on-site and remote facilities.
What is the product mix offered?
iServe provides highly competitive products such as:
- Conventional and High-balance Loans
- Jumbo Products
- VA and VA IRRRL
- Reverse, 2nd’s, DPA’s & Non-QM Products
- FHA/FHA High Balance
- USDA Rural Development
- Single-Wides
- 203K Home Rehabilitation
- And many other localized products!
Do I own the branch?
Although you may desire to obtain a DBA, iServe maintains ownership of the Branch.
What support and services do you provide for this branch?
Some of the services that we provide your branch include: underwriting, processing, marketing, IT, compliance, industry updates, HR, and payroll.
How much of my time is needed to operate this branch?
You determine the needs for your branch support. We find that the more successful and profitable branches have a focused and engaging manager to support their team’s growth.
How do I earn money?
Funding loans. More loans equate to more income. iServe will guide you through various scenarios regarding your wealth accumulation.
How do I find someone to earn the mortgage business?
For our Realty Lending Network: Recruit and train Agents to practice the traits outlined in the Agent model, below. Recruit from local competing mortgage Branches or Realty’s. Work with iServe’s Recruiting Department.
For our Producing Agent Model: It’s all about relationships. From family, friends, industry colleagues, professionals, neighbors, to businesses, establish relationships and maintain ongoing contact. The loans will follow.
Do you provide training to get agent adoption?
Yes!
Can the branch share expenses with my real estate brokerage?
Approval by our compliance team would be required.
Can I operate as a DBA and specific Branding?
Yes!
What is my reserve requirement?
A mutually agreeable reserve will be established in your initial discussions with iServe.