Build Your Broker Business Here
Learn the Difference between Wholesale vs Retail Mortgage
& Support, Ops, and Training Built to Scale
Better for Borrowers. Better for Loan Officers.
Your clients get the service they deserve, the rates they want, and the options they need. We’re recruiting loan officers ready to move from retail to broker—so you get the comp you deserve, the business freedom you want, and a product lineup that keeps clients for life.
View Our Rates
Complete this form to see the client-facing rates based on a 225 bps loan officer comp plan.
Build Your Broker Business Here
Learn the Difference between
Wholesale vs Retail Mortgage
& Support, Ops, and Training Built to Scale
Better for Borrowers. Better for Loan Officers.
Your clients get the service they deserve, the rates they want, and the options they need. We’re recruiting loan officers ready to move from retail to broker—so you get the comp you deserve, the business freedom you want, and a product lineup that keeps clients for life.
View Our Rates
Complete this form to see the client-facing rates based on a 225 bps loan officer comp plan.
Why Consider working for Dream Big Ownership
unlock your Mortgage Business.
Transparent pricing, more products, underwriting support, and faster closings—built to help loan officers earn more, serve better, and grow without retail restrictions.
Wholesale Rates
Lower than retail rates for your clients.
Better Comp
More compensation for you and your family.
Partner-Level Support
With AEs, dedicated support, and underwriter access, you’ll feel backed at every step.
Coming to a State Near You
Why Consider working for Dream Big Ownership
unlock your Mortgage Business.
unlock your Mortgage Business.
Transparent pricing, more products, underwriting support, and faster closings—built to help loan officers earn more, serve better, and grow without retail restrictions.
Wholesale Rates
Lower rates than retail for your clients.
Better Comp
More compensation for you and your family.
Partner-Level Support
With AEs, dedicated support, and underwriter access, you’ll feel backed at every step.
Coming to a State Near You
We Give you The tools to scale
What if you could make 225 bps and still offer a lower rate—with service that sets you apart?
Too good to be true? Schedule a call and we’ll break it down. In retail, the bank typically needs substantial per-loan margin to cover overhead. In many cases, by the time the client sees the offered rate, there can be 350–500 bps (or more) built into pricing to support corporate expenses and multiple layers—LO comp (often around ~125 bps), management overrides, operations, compliance, recruiting, marketing, and more—before even considering secondary-market execution. Wholesale is different: lenders compete for your loans, overhead is leaner, and pricing is far more transparent—often creating better value for the borrower and better earning potential for the LO.
Benefits of Wholesale Loan Officers
No More Commission Caps
Commission Caps create huge profits for retail lenders..
1099 or w2 Options
Most states allow us to pay you 1099 vs w2 creating huge tax saving strategies
LOS Software
We use ARIVE a state of the art LOS web based software no more encompass
Reinvest Your Profits
Take your extra comp and reinvest into your business like all successful business owners
More Loan Products
DSCR, Bank Statement Loans, P&L Loans, HELOCS & many more available products to meet all your clients needs
Truly Self Employed
You are truly your own boss. You have the freedom & tools to grow scale your business and leave your competition behind
We Give you The tools to scale
What if you could make 225 bps and still offer a lower rate—with service that sets you apart?
Too good to be true? Schedule a call and we’ll break it down. In retail, the bank typically needs substantial per-loan margin to cover overhead. In many cases, by the time the client sees the offered rate, there can be 350–500 bps (or more) built into pricing to support corporate expenses and multiple layers—LO comp (often around ~125 bps), management overrides, operations, compliance, recruiting, marketing, and more—before even considering secondary-market execution. Wholesale is different: lenders compete for your loans, overhead is leaner, and pricing is far more transparent—often creating better value for the borrower and better earning potential for the LO.
Benefits of Wholesale Loan Officers
No More
Commission
Caps
Commission Caps create huge profits for retail lenders..
1099 Option
Most states allow us to pay you 1099 vs w2 creating huge tax saving strategies
LOS Software
We use ARIVE a state of the art LOS web based software no more encompass
Reinvest Your Profits
Take your extra comp and reinvest into your business like all successful business owners
More Loan Products
DSCR, Bank Statement Loans, P&L Loans, HELOCS & many more available products to meet all your clients needs
Truly Self Employed
You are truly your own boss. You have the freedom & tools to grow scale your business and leave your competition behind
Wholesale Product Selection
SEll ANY PRODUCT
As a mortgage broker, you your not limited to just a few products like your typical Conventional, FHA, VA, USDA home loans. Working for a mortgage broker you immediately have access any and all types of loan products that are available to your clients. Not only do you have access to these products but you have full abilty to make your maximum comp on each loan product. In retail, there may be limited products, or you have the product but your not abl to make the same income as your standard conventional type products or depending on the loan size you may not have a commission cap and limited to your maximum comp agreement. Here is a list of products you emmediately have at your disposal and ability to make your full compensation and still offer an amazing low interest rate option to your client
DSCR
Offer extremely low par rates with no added points and still make your lender paid comp of 2.25%. In addition, you now are able to sell DSCR loans in 43 additional states and are the LO is NOT required to be licensed in that state. You just added multiple loans to your annual volume.
Bank Statement Loans
You’ll be surprised how much volume you can add by offering bank statement loans—while earning full comp and still delivering competitive low rates with no-point options.
HELOCS
When I was in retail, HELOCs usually weren’t worth the time unless they were tied to a purchase—comp was limited and the process was a grind. In the broker/wholesale world, you have multiple HELOC options with streamlined fulfillment, and full comp which makes them far easier to offer. With the right setup, it’s realistic to add another 10–15 HELOCs a year to your volume.
Profit & Loss Loans
Sometimes your clients just needs the simplest amount of paperwork possible. There is a huge market for P&L products. Make full comp and offer no points to your clients.
One Time Construction
One time construction loans for both VA client and Conventional Clients. Pick one or 2 of these up per year and add significant value to your realtors and clients and add significant amount to your annual income.
Fix & Flip Options
Add an additional source of business to your marketing strategy by offering Fix & Flip loans to your 1st time flippers or seasoned real estate flippers.
Bridge Financing Opions
There are amazing Bridge Loan type financing that you now can offer your realtors and clients and still get compensated for your efforts. These loans pay great and give options to set up multiple loans for clients thate are in needs of bridge financing.
Hard Money Financing
How many times have you referred out deals where your clients need quick cash and need a hard money loan. You know they qualify now you are able to offer great hard money financing with and be compensated for your efforts.
Wholesale Product Selection
SEll ANY PRODUCT
As a mortgage broker, you your not limited to just a few products like your typical Conventional, FHA, VA, USDA home loans.
Working for a mortgage broker you immediately have access any and all types of loan products that are available to your clients. Not only do you have access to these products but you have full abilty to make your maximum comp on each loan product. In retail, there may be limited products, or you have the product but your not abl to make the same income as your standard conventional type products or depending on the loan size you may not have a commission cap and limited to your maximum comp agreement. Here is a list of products you emmediately have at your disposal and ability to make your full compensation and still offer an amazing low interest rate option to your client
DSCR
Offer extremely low par rates with no added points and still make your lender paid comp of 2.25%. In addition, you now are able to sell DSCR loans in 43 additional states and are the LO is NOT required to be licensed in that state. You just added multiple loans to your annual volume.
Bank Statement Loans
You’ll be surprised how much volume you can add by offering bank statement loans—while earning full comp and still delivering competitive low rates with no-point options.
HELOCS
When I was in retail, HELOCs usually weren’t worth the time unless they were tied to a purchase—comp was limited and the process was a grind. In the broker/wholesale world, you have multiple HELOC options with streamlined fulfillment, and full comp which makes them far easier to offer. With the right setup, it’s realistic to add another 10–15 HELOCs a year to your volume.
Profit & Loss Loans
Sometimes your clients just needs the simplest amount of paperwork possible. There is a huge market for P&L products. Make full comp and offer no points to your clients.
One Time Construction
One time construction loans for both VA client and Conventional Clients. Pick one or 2 of these up per year and add significant value to your realtors and clients and add significant amount to your annual income.
Fix & Flip Options
Add an additional source of business to your marketing strategy by offering Fix & Flip loans to your 1st time flippers or seasoned real estate flippers.
Bridge Financing Opions
There are amazing Bridge Loan type financing that you now can offer your realtors and clients and still get compensated for your efforts. These loans pay great and give options to set up multiple loans for clients thate are in needs of bridge financing.
Hard Money Financing
How many times have you referred out deals where your clients need quick cash and need a hard money loan. You know they qualify now you are able to offer great hard money financing with and be compensated for your efforts.
Comp Plan Structures
Comp Plan Options
We provide flexible compensation plans that align with how you want to scale— personal production, team growth through recruiting, or a balanced approach.
Starter Plan 225 bps per loan 1099 or W2
80/20 Split
All credit report fees are covered
LOS Costs covered
Local Office
File Structure
Marketing & Lead Gen Support
Initial Disclosure Support
Earn $200/file for recruits
DBA Option
Growth 225 bps per loan 1099 or W2
$750/file
Earn $200/file for recruites
Grow & support a team on a split
Ad additonal loan officers with custom splits for you and your team
DBA OPTION
Growth 225 bps per loan W2
90/10 Split
Earn $200/file for recruits
Grow & Support a team on a spli
DBA OPTION
More Amazing benefits of working for Dream Big Ownership
Excellence and success.
Recruiting
As a brokerage, each loan officer you bring on and or introduce to our firm, we will pay $200 per file that loan officer closes for the life entire time they work for Dream Big Ownerhship.
Leading a Team or Plan to Build One
We support you with a structure to manage and support your loan officers, including split-based compensation options. A split can create stronger alignment and a true partnership, because everyone’s incentives are tied to the same outcome.
DBA Support
We support DBAs. If you have a brand already and would like to keep your brand we will help you transition your DBA over to Dream Big Ownership. We want you to build your business your brand NOT our business and our brand.
enhance your Origination Business
It’s time to take a serious look at a different way to originate. More and more top producers are moving to the broker channel for better pricing transparency, more loan options, and the freedom to run their business without retail constraints. If you’re curious whether it’s the right fit for you, let’s connect and see what we can build together.
Pete Metz - CEO
enhance your Origination Business
It’s time to take a serious look at a different way to originate. More and more top producers are moving to the broker channel for better pricing transparency, more loan options, and the freedom to run their business without retail constraints. If you’re curious whether it’s the right fit for you, let’s connect and see what we can build together.
Pete Metz - CEO
there’s more to offer
We can help support Processing & Admins
We also help provide support for your loan production
with processing & LOA assistants
LOA SUPPORT
Let someone else help you with LOA work so you can focus on what matters. Selling mortgages & building referral partner relationships.
Contract-to-close-support
Need better file support? Our trained processors and LOAs help take files from contract to closing. Great rates and comp matter—but having a real team behind you is what helps you scale.
Correspondent
We provide continuous support for all your financial needs. Our dedicated team is always ready to assist, ensuring prompt and effective guidance whenever you need it.
Licensing Information
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