Working as a mortgage loan originator producing your own loans your commission split is based upon monthly closed loan volume. You will earn a 75% commission split up to $3,000,000 in closed loan volume. Volume above $3,000,000 will earn you an 87.5% commission split. And above $5,000,000 in closed loan volume will earn you 100% commission split.

In addition to earnings from your own personal production. For any MLO you personally recruit to Affordable Home Finance Inc, you will receive 1.88% of their monthly loan origination volume.  It has nothing to do with the profitability of the company that month or quarter, your monthly revenue share check from AHF is based on 1.88% of that MLO’s monthly origination volume.  In the example below, one of your MLO's originates a $500,000 home refinance and generates $10,000 in lender paid comp.  You’ll receive 1.88% of the gross commission ($187.50).  It’s just that simple!

The wonderful thing about this revenue share program is that you will keep receiving 1.88% of everything the MLO originates up to $3,000,000 in monthly loan origination volume. So, if the MLO originates $3,000,000 per month, you would earn $1,125 per month as passive income.

There are eight levels in your Affordable Home Finance Revenue Share Pool.  The first line or level includes the MLOs that you’ve personally attracted to the company. The second line would consist of MLOs that your recruits brought to the company, and so on for eight levels.

If you personally recruited at least four MLOs to Affordable Home Finance Inc, then you would receive 2.50% of the Revenue pool from the MLOs in your 2nd line (MLOs that your recruits brought to Affordable Home Finance Inc).  If you personally attracted eight MLOs to AHF, you would receive 1.25% of the commission from the MLOs in your 3rd line…. and it goes on from there.

As you will see in the chart above, you have to have personally recruited 12+ MLOs to qualify for the full revenue share amount (0.63%) in your 4th line and you will need to bring at least 28+ MLOs to the company in order to get the full revenue share amount (3.75%) in your 8th line.  If you have MLOs in your 8th line but haven’t yet attracted 28+ MLOs to the company, you would still receive 0.67 % of whatever they originate.

Examples of What You Could Earn with Revenue Share

EXAMPLE #1:  Let’s say you’ve personally introduced eight MLOs to Affordable Home Finance Inc and they are all “cappers”.  You would make $9,000 per month, every month in passive, residual income.

Then, taking it one step further, what if your eight MLOs each bring one MLO to the company and then those MLOs each bring one MLO?  You would have eight MLOs in your 1st level (1.88%), eight MLOs in your 2nd level (2.50%) and eight MLOs in your 3rd line (1.25%).  If each MLO originated at least $3,000,000 each month, you could potentially earn $27,000 per month.  Amazing!

EXAMPLE #2:  As we highlight in the table below, let’s say that you brought eight really excited, energetic MLOs to Affordable Home Finance Inc and they each went out and brought eight MLOs to the company.  You would have eight MLOs in your 1st line and sixty-four MLOs in your 2nd line.  If they are all cappers, you could potentially make $105,000 per month in passive income.   This doesn’t even include having any MLOs on your other eight levels in your revenue share downline!

As you can hopefully see, recruiting a few MLOs to Affordable Home Finance Inc will help you earn some extra money that you can add to your retirement account and/or allocate to your marketing in order to grow your business. If you decide you want to attract multiple MLO professionals and help them attract even more, you can quickly move into a six-digit residual income every year with revenue share.

What I love most about this program is that everyone has an incentive to help one another grow. 

For example, what if you bring a MLO to the company and they are originating $30,000 in lender paid comp (LPC) each month. You would make about $562.50 per month in revenue share.  BUT what if you sat down with the MLO and helped them with their lead generation and/or scripts and were able to get them to $60,000 per month in LPC.  Not only would you make an additional $562.50, but you would also have an incredibly happy MLO in your downline.  With revenue sharing, everyone wins, and we are “building better MLOs” every day.

If you have questions or would like to learn more about Affordable Home Finance Inc, please give me, Richard Gambord, a call at 831-291-9700.