Keep 100% of your commission
Join America’s leading platform for loan officers — wholesale rates from 200+ lenders, the TERA tech stack, real support, and zero monthly desk or junk fees.
Why loan officers switch to us
Everything you need to price, process, and close — built in-house, and free for our loan officers.
LOS, POS, CRM, pricing engine, marketing, and support in one in-house system — no third-party subscriptions.
No desk fee, no junk fee. Save $1,000+ a month versus a typical retail shop.
One dedicated processor per file, tech-assisted, with 99% of loans closing smoothly.
Dozens of live events weekly plus on-demand Loan Factory Academy — lead management to pricing.
A marketing team that customizes creative and runs ads, and 5 underwriters for complex scenarios.
Up to $5,000–$10,000 or RSUs for referring a producing loan officer — no recruiting required.
After the same $595 admin + $500 processing fee, with commission up to 250 bps. Payroll taxes apply. Refer an LO and earn up to $10,000 or RSUs.
One platform. No software fees.
TERA replaces the whole stack most LOs pay for out of pocket — LOS, POS, CRM, pricing engine, marketing, and support in one system, free for our loan officers.
How to join in 5 steps
Follow these simple steps to begin your onboarding and step into the best chapter of your career.
Join a webinar or reach out to our recruiting team to get started.
Share your license, NMLS, and background details for review.
Pass the background check and management approval.
Set up your account, website, and pricing in the platform.
Move your pipeline over and close faster with full support.