Stop Losing Money with Retail Lenders – Make More Today

What Is Working for a Retail Lender Costing You?

You work hard to close loans, but have you ever stopped to think about how much your retail mortgage company is costing you? Every loan you close under a retail lender means higher rates for your clients, inflated costs in Box A and Box B, restrictive underwriting overlays, and—most importantly—limited compensation for you.

Instead of keeping more of your hard-earned money, you're funding your manager’s salary, your regional’s bonuses, and the company's overhead. You’re stuck offering a limited set of products, losing deals because your rates aren’t competitive, and watching other loan officers thrive while you settle for less.

There’s a better way.

Access Over 80 Lenders and Hundreds of Loan Programs with Innovative Mortgage

Why limit yourself when you don’t have to? At Innovative Mortgage, we provide access to over 80 lenders and hundreds of unique loan programs. That means you can say yes to more deals and serve more clients.

Do you want to offer Fannie Mae, Freddie Mac, VA, FHA, USDA, SBA, Business Purpose, Reverse, and Commercial loans? We have them all. Need non-QM, DSCR, asset-based, ITIN, fix-and-flip, and private money loans? We’ve got you covered. There isn’t a loan product out there that we can’t offer.

With this level of flexibility, you’ll never have to turn away another borrower because your retail lender doesn’t have the right loan program. Instead, you’ll be the go-to mortgage expert in your market, winning more deals and keeping more clients.

Lower Costs, No Extra Lender Fees – Keep More of Your Money

Retail lenders love to charge excessive fees that cut into your profitability and drive up costs for your clients. At Innovative Mortgage, we do things differently.

• No other underwriting or lender fees on our Correspondent Channel.
• On Broker Channel loans, we charge zero additional fees—you only pay what the wholesale lender charges.

This means your loans are more competitive, your clients pay less, and you take home more per deal. No more bloated lender fees forcing you to raise your rates. No more losing deals to brokers who can offer better pricing. Just clean, transparent pricing that helps you win.

Are You Making Enough Per Loan? No Commission Caps, No Gimmicks

If you're still working for a retail lender, chances are your compensation is capped. Your company takes a significant percentage of every loan you close, leaving you with less than you deserve.

At Innovative Mortgage, we keep it simple:

• You pay a flat $595 per loan file—that’s it.
• No commission caps—you keep every dollar you earn beyond the flat fee.
• You control your margins and maximize your income.

Let’s do the math. If you’re currently making 100–125 basis points per deal under a retail lender, but could be making 200+ basis points as a broker or correspondent, you’re losing thousands per loan. Multiply that by your yearly volume, and the numbers are staggering.

Why continue working harder for less money? At Innovative Mortgage, your income is in your hands.

Take Control of Your Career – Make the Move Today

Are you ready to be in complete control of your business? This is the closest you’ll get to running your own mortgage shop—without any barriers to entry.

We make transitioning easy:

• No cost to join – No franchise fees, no hidden costs.
• Full back-office support – Compliance, processing, and training.
• Be up and running in 24 hours – Start submitting loans immediately.

Stop paying for your manager’s luxury lifestyle. Take back control and start keeping what you earn. Live the life you always wanted—without limitations.

Make the move today. Contact us now and start your new career at Innovative Mortgage!