Build a Location-Independent
Mortgage Business.
Keep Most of Your Comp.
Work From Anywhere.
"Earn where the money is. Live where the life is better. Invest where the market is strongest."
MortgageToday is building a borderless mortgage brokerage for the modern era. If you're a licensed loan officer, referral partner, or real estate professional who believes in the New Global Dream — let's talk.
The New Global Dream
The old playbook said: buy a house, stay put, climb the ladder.
The new one looks different. Earn in a strong currency. Live somewhere you actually want to be. Build wealth in markets where the numbers make sense. MortgageToday was built around this philosophy.
Earn Where
the Money Is
U.S.-dollar income is global leverage. Whether you're based in Miami, Medellín, Dubai, or Barcelona — earning in dollars creates optionality that most currencies can't match.
Live Where
Life Is Better
Remote work changed where people choose to live. The mortgage industry is still catching up. MortgageToday operates digitally from day one — serve clients from wherever you build your life.
Invest Where
the Market Is Strongest
U.S. real estate remains one of the most liquid, stable, and globally accessible investment markets. Our borrowers know this. Our team should too.
For the experienced loan officer
You've done this before.
Now keep more of it.
2+ years in retail or brokerage. Active FL or TX MLO license. Existing book of business. Ready to stop splitting 50/50 with a company that doesn't touch your files.
The structure is simple.
We tell you everything we take.
We take 15% and $300 flat per funded loan. That's it. Your lender-paid comp is yours to set from 1% to 275 bps. No hidden margin in the rate spread. No per-file accounting fee. No monthly fee to be on our platform. No promissory note to walk in the door.
self-sourced
nothing else
ever
Company-provided leads run at 70/30 — permanently on that file. Self-sourced leads are always 85/15. If a borrower from a company lead refers someone new to you, that referral is treated as self-sourced.
What's included from day one: Broker of record and compliance umbrella. 40+ wholesale lenders. E&O coverage. Payroll via Gusto 24–72 hrs after funding. Wire and disbursement handling. Weekly Sales Training and File Review sessions on Google Meet. ARRIVE POS integration setup (you pay ARRIVE $59.99/mo directly — your account, your data, portable if you ever leave).
| Fee / Structure | NEXA | Barrett / LF | MortgageToday |
|---|---|---|---|
| Onboarding | $200–250 | $100 | $197 once |
| Monthly tech fee | $75–100/mo | None | $0 |
| Per-file fee | 10–15% of gross | $595–695 | $300 flat |
| Promissory note | $5,000 | None | None |
| LO split | ~80–85% | Varies | 85% self-sourced |
| DSCR / Non-QM | Some | Limited | Core focus |
| Foreign national | Limited | Domestic only | Specialty |
| Pipeline if you leave | Varies | Varies | Yours (ARRIVE) |
Sample take-home at 275 bps, self-sourced
LO net = 85% of gross comp minus $300 flat fee. Estimates only — not a guarantee of income.
The platform
What's included — and
what you pay separately.
We believe in full transparency on costs. Here's exactly what MortgageToday provides versus what you pay on your own.
Included — All LOs
What MortgageToday provides
No extra cost beyond the $197 onboarding fee
- ✓Broker of record & compliance umbrella (FL & TX)
- ✓40+ wholesale lenders — DSCR, Non-QM, Conv, FHA, VA, HELOC, Foreign National
- ✓White-label digital HELOC — close in as fast as 5 days
- ✓White-label DSCR software platform
- ✓Non-QM & DSCR in 35+ states — business-purpose, under lender license
- ✓E&O insurance coverage
- ✓Payroll via Gusto — 24–72 hrs after funding
- ✓Wire & disbursement handling
- ✓Weekly Sales Training Meeting (Google Meet)
- ✓Weekly File Review Session (Google Meet)
- ✓Company Gmail (Google Workspace)
- ✓FL & TX NMLS sponsorship
- ✓Advantage Credit access (all credit services)
- ✓In-house processing available ($750 to borrower)
Optional Add-On — LONinja Konnected
Full GHL marketing & automation stack
$159/mo — optional. Use your own tools if you prefer.
- ✓GoHighLevel CRM — fully built & configured for mortgage
- ✓Personal mortgage website — built for you
- ✓AI chatbot & AI Front Desk Assistant (24/7)
- ✓Loom video integration
- ✓Weekly automated Realtor market update
- ✓Pre-built workflows & landing pages
- ✓Social media automation
- ✓Voice drops & power dialer
- ✓SMS & email campaigns
- ✓Weekly paid leads — GHL subscribers only
GHL subscription is optional — you may use your own CRM and tools. AI, voice drop, and SMS usage over the monthly credit may incur additional charges. The GHL account and system remain with MortgageToday if you leave.
ARRIVE POS — Mandatory
/mo — paid directly to ARRIVE
What it is
Your loan origination and point-of-sale system. Required for all LOs. You pay ARRIVE directly — this is not a MortgageToday fee.
What you own
- Your account and login
- Your pipeline and all files
- All borrower data
- Fully portable — it's yours if you ever leave
Setup included in $197
ARRIVE integration and company enrollment is handled during onboarding at no extra charge. You start paying ARRIVE's $59.99/mo once you're active.
Why $159/mo is the right number
These tools cost $1,800+/mo individually.
Konnected bundles them for $159.
Email marketing, SMS, CRM, call tracking, webchat, social scheduling, funnel builder, website, booking, surveys, video hosting, affiliate manager, business listings — all in one pre-built system tuned for mortgage.
GHL account stays with MortgageToday. ARRIVE stays with you. Both are different tools with different ownership models — make sure you understand the distinction before you sign.
One-time fee
The $197 onboarding fee.
Here's every line item.
Paid once at signing. Not a loan origination fee. Never charged to a borrower. Non-refundable once background check and NMLS sponsorship are initiated.
Addendum A — Onboarding Fee
$197 one-time, non-refundable
- ✓Background check processing
- ✓NMLS sponsorship filing & administration
- ✓Initial compliance soft pull
- ✓ARRIVE POS integration setup under company (you pay ARRIVE monthly separately)
- ✓Company Gmail — Google Workspace activation
- ✓E&O insurance coverage initiation & certificate delivery
- ✓Wholesale lender portal access setup
- ✓Gusto payroll account setup
- ✓Advantage Credit account setup & access
- ✓Compliance orientation
- ✓Onboarding call with broker/owner — digital nomad & expat best practices, international banking (Wise, Revolut, Schwab), visa guidance, remote workflow, CRM orientation, LinkedIn profile review
- ✓General getting-started support & Q&A
If MortgageToday fails to initiate background check processing and NMLS sponsorship within 10 business days of signing, you are entitled to a full refund upon written request.
How we compare at onboarding
Full transparency on what we take
We take 15% and $300 flat on every funded loan. Your lender-paid comp is yours to set from 1% to 275 bps. Most brokerages hide margin in the rate spread without telling you. We don't.
Review the full comp plan →Who we're looking for
People who think about
mortgage differently.
Not a call center. A boutique, tech-forward brokerage for complex files, investor loans, global borrowers, and modern mortgage strategy.
✓
Self-sourcing is your default
You build pipeline through relationships, referrals, LinkedIn, or outreach — not waiting for leads. Company leads supplement. They don't replace your effort.
✓
Complex files don't scare you
Investors, self-employed, foreign nationals, expats, DSCR, Non-QM — you understand why brokers close deals banks can't. You want to be that conversation.
✓
You work like it's 2026
Digital POS, CRM automation, AI tools, remote workflow — you're not resistant to technology. You want to use it to close more with less friction.
✓
Location is optional
Miami, Houston, Bangkok, Medellín — if you have an active FL or TX MLO license and a WiFi connection, you can build here.
New to the industry
Not yet licensed?
There's a structured path for that.
The BrokerX program by UWM takes you from zero experience to licensed loan officer in 5 weeks — then you come straight into our brokerage.
License requirement — FL or TX MLO license required
MortgageToday LLC is licensed in Florida and Texas only. To originate consumer loans (Conventional, FHA, VA, HELOC, primary home), you must hold an active MLO license in FL, TX, or both. DSCR and Non-QM business-purpose loans are available in 35+ states under the lender's license — no additional state MLO license required for those. If you're not yet licensed, the BrokerX program below walks you through getting your FL or TX license in 5 weeks.
Not yet licensed?
There's a path for that.
UWM BrokerX is a 5-week, NMLS-approved program that takes you from zero to working loan officer — with in-person training at United Wholesale Mortgage headquarters.
- No prior mortgage experience required
- NMLS-approved 20-hour pre-licensing with OnCourse Learning
- 3 days on-site at UWM headquarters in Pontiac, MI — flight & hotel included
- Meet your dedicated MortgageToday Account Executive in person
- After 5 funded loans — auto-converts to 85/15, in writing
Coming from a bank
or retail lender?
You already know how to originate. Brokerage is a different muscle — more lenders, more flexibility, more comp. We'll walk you through the transition.
- Active FL or TX MLO license (required) — gets you straight to 85/15 from day one
- Weekly training covers Non-QM, DSCR, and products you didn't have at retail
- 40+ lenders means you'll rarely hit a dead end
- Your pipeline (ARRIVE data) stays with you if you ever leave
- Digital-first — no branch, no desk requirement
Official UWM Broker X Partner
Zero experience.
Licensed. Hired. Working. In 5 weeks.
The only program that takes you from unlicensed to working loan officer with a direct pathway into a brokerage — in 5 weeks.
Not a course.
A complete licensing pathway.
BrokerX is powered by United Wholesale Mortgage — the #1 wholesale lender in the country. NMLS-approved, instructor-supported, and it ends with 3 days in Pontiac, Michigan at UWM's headquarters. Flight and hotel are included.
You leave with a FL or TX MLO license, real lender relationships, and a desk at MortgageToday. MortgageToday LLC is licensed in Florida and Texas — your license in either state qualifies you to originate under our umbrella from day one.
Program enrollment managed by UWM Broker X. Visit mortgagebrokerx.com →
0
Virtual Orientation — 1 hour
Introduction, schedule confirmation, and setup. Held the week before the 5-week course begins.
1–2
Instructor-Led Virtual Training
NMLS-approved webinars with OnCourse Learning. All 20 required SAFE Act education hours. Tutoring, practice tests, and more.
3–4
Self-Paced Exam Prep
Pre-recorded webinars through OnCourse Learning. Prepare for the NMLS SAFE exam at your own pace.
5
On-Site at UWM HQ — Flight & Hotel Included
3-day in-person Success Track at United Wholesale Mortgage in Pontiac, MI. Role-playing, networking, skills development. Meet your MortgageToday Account Executive face to face.
Watch the Overview
See exactly how the Broker X program works.
Program Cost
$399
Net $299 after $100 rebate on NMLS exam results within 30 days.
- ✓Full 5-week NMLS-approved training
- ✓On-site UWM — flight & hotel included
- ✓$100 rebate after NMLS exam (pass or fail)
+ Separate: NMLS exam, MU4 app, background/credit (~$300+, varies by state)
Enroll in Broker X →Make the decision. Change your life.
Whether you're licensed already or starting from scratch — there is a clear path here. Let's find out if it's a fit.
No commitment. Compensation estimates are illustrative only and not a guarantee of income. Not a commitment to lend.