Henrietta C. Ramirez

Still the best.

net branch companies

Make More. Sell More.

Close More.

In the mortgage business it's always been the same for Branch Managers and Loan Originators… you either get paid more BPS and sell higher rates or you take a lower commission split and sell lower rates...That’s just the way it’s always been and you had to take your pick of one or the other.

Some companies offered attractive rates to sell but then paid their people peanuts. Other companies appeared to give a better deal with a higher comp but the rates were so hard to sell that it came at the cost of lost loans and disgruntled customers and referral sources.

The problem is that the producer has always had to earn their money twice: Once by going and getting the loan to begin with and then once again by paying the company’s ‘success tax’ once they brought it in. They wanted you to believe that it had to be either one or the other.

We didn’t buy it.

We knew that in the end this was just profit for the company. As producers ourselves, we knew we could do better, so we forged a better way. When we first introduced our origination platform that gave high producing branch managers the best of both worlds, the competition called us crazy. (…and they called us a lot of other things too)

They said it was impossible to offer higher comp AND lower rates. They said it couldn't be done.

But what they meant was... they couldn't do it.