"Earn where the money is. Live where the life is better. Invest where the market is strongest."
MortgageToday is a Miami-based, borderless mortgage brokerage built for experienced loan officers. Keep 85% on the files you bring, access 40+ wholesale lenders, and offer the DSCR, Non-QM, and digital HELOC programs banks can't.
The New Global Dream
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.
U.S.-dollar income is global leverage. Whether you're based in Miami, Medellín, Madrid, Dubai, or Bali, earning in dollars creates optionality most currencies can't match.
Remote work changed where people choose to live. The mortgage industry is still catching up. MortgageToday has operated digitally from day one, so you can serve clients from wherever you build your life.
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
2+ years in retail or brokerage. Active FL or TX MLO license. An existing book of business. Ready to stop splitting half your comp with a company that doesn't touch your files.
On the files you bring in, we take 15% and a $300 flat file fee. No monthly desk fee. No per-file accounting fee. No promissory note to walk in the door. No hidden margin in the rate.
Self-sourced files. Your clients, your referrals, your marketing.
Company-provided leads. Permanent on that file. If that borrower refers someone new, the referral counts as self-sourced.
Move the slider. Numbers update instantly.
Illustrative estimate only, not a guarantee of income. Net = gross comp x your split, minus the $300 flat file fee. Actual comp depends on the loan, lender, and the Compensation Plan in effect. Current pricing, subject to change.
How we compare
| How you're paid | MortgageToday | Retail Lender | Other Brokerages | Net Branch |
|---|---|---|---|---|
| Your comp (self-sourced) | 85% of 2.00% to 2.75% | ~0.9% to 1.0% of loan | Often 70% to 80% split | What's left after corporate bps & fees |
| On a $400k loan* | $6,500 to $9,050 | ~$3,700 to $4,100 | ~$5,600 to $8,800, before file fees | Varies widely |
| Per-file fee | $300 flat | n/a | Up to ~$995, or % of gross | Corporate bps per loan |
| Monthly fees | $0 desk fee | None | $0 to ~$100/mo tech | Branch, tech & overhead |
| Onboarding | $197 once | None | ~$100 to $250 | Setup, licensing & overhead |
| DSCR / Non-QM / Foreign national | Core focus, 40+ lenders | One lender's box | Varies | Mostly one lender |
| Remote / abroad | Built for it | Rare | Rare | Rare |
| Base salary & benefits | No (1099) | Often | No (1099) | No |
*Illustrative gross-to-LO math before taxes, not a guarantee of income. Retail figure reflects industry averages of roughly 92 to 103 bps of production reported by STRATMOR Group. Brokerage and net branch columns reflect common industry comp models, not any specific company. Terms vary by company and change over time.
The platform
Full transparency on costs. Here's exactly what MortgageToday provides versus what you pay on your own.
Included: All LOs
No extra cost beyond the $197 onboarding fee
Optional Add-On
$159/mo, optional. A fully built-out, customized GHL system. Use your own tools if you prefer.
One system replaces a stack of separate subscriptions (CRM, email, SMS, website, funnels, scheduling, webchat). AI, voice drop, and SMS usage beyond monthly credits may incur added charges. The CRM account and system stay with MortgageToday if you leave. Current pricing, subject to change.
ARIVE LOS: Required
/mo, paid directly to ARIVE
Your loan origination and point-of-sale system. Required for all LOs. You pay ARIVE directly. This is not a MortgageToday fee, and ARIVE sets its own pricing.
ARIVE integration and company enrollment are handled during onboarding at no extra charge. Billing starts once you're active.
One-time fee
Paid once at signing. Never charged to a borrower. Non-refundable once background check and NMLS sponsorship are initiated.
Addendum A: Onboarding Fee
$197 one-time, non-refundable
If MortgageToday fails to initiate background check processing and NMLS sponsorship within 10 business days of signing, you're entitled to a full refund upon written request.
Most brokerages hide margin in the rate spread. We don't. Here's the whole list.
Current pricing, subject to change. Full terms are governed by the Independent Contractor Loan Officer Agreement and Compensation Plan.
Who we're looking for
Not a call center. A boutique, tech-forward brokerage for complex files, investor loans, global borrowers, and modern mortgage strategy.
You build pipeline through relationships, referrals, LinkedIn, and outreach, not by waiting for leads. Company leads supplement your effort. They don't replace it.
Investors, self-employed, foreign nationals, expats, DSCR, Non-QM. You understand why brokers close deals banks can't, and you want to be that conversation.
Digital POS, CRM automation, AI tools, remote workflow. You use technology to close more with less friction.
Austin, Miami, Medellín, Bangkok, Bali. With an active FL or TX MLO license and a solid connection, you can build here. Location eligibility applies, and working abroad means handling your own visa and tax setup.
Two ways in
We're built for experienced originators, and we still make room for newer LOs who are serious about the business.
MortgageToday LLC is licensed in Florida and Texas. To originate consumer loans (Conventional, FHA, VA, HELOC, primary residence), you need 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. Not licensed yet? Complete your SAFE pre-licensing hours and NMLS exam first, then reach out.
Coming from a bank, retail lender, or another brokerage? You already know how to originate. Brokerage means more lenders, more flexibility, and more comp.
Our New LO tier gives you extra file review, compliance oversight, and hands-on training while you build real, full-file experience.
How it works
Weekly group sessions every Tuesday and Thursday. Ask anything about comp, the company, branding, and tech.
Review the comp plan and Independent Contractor LO Agreement, then sign. No surprises.
Your 1-on-1 onboarding call with Kevin, plus background check, NMLS sponsorship, ARIVE, lender portals, and payroll.
Start submitting files with weekly training and file review behind you.
FAQ
Join one of our weekly group info sessions on Tuesday or Thursday. We cover comp, the company, branding, and tech, and answer questions live. If it's a fit, you apply and sign, then book your 1-on-1 onboarding call with Kevin.
Loan officers join MortgageToday as 1099 independent contractors. You control your schedule and business development, with no minimum hours.
15% plus a $300 flat file fee on self-sourced files, and 30% plus $300 on company-provided leads. No monthly desk fee and no promissory note. Current pricing, subject to change.
Lender-paid compensation is set under MortgageToday's wholesale lender agreements, currently 2% to 2.75% of the loan amount. On borrower-paid files, you set the origination fee, up to 2.75%. LOs aren't paid separate processing or admin fees on top of origination comp.
If you're newly licensed or have less than 2 years of origination experience, you start at 70/30 on self-sourced files for your first 6 funded loans. Digital HELOC fundings are paid at 70/30 but don't count toward the 6. After your 6th qualifying loan, you convert to 85/15 automatically.
Yes. We're a remote, location-independent brokerage. Location eligibility applies, and if you work from abroad, you're responsible for your own visa, tax, and local compliance. We'll cover the details during onboarding.
No. Both are optional. Most of our loan officers focus on their own business at 85/15 and use whatever tools they prefer. ARIVE is the only required platform.
Join one of our weekly group info sessions, every Tuesday and Thursday. Bring your questions about comp, the company, and branding. This doesn't commit you to anything.