We fused the best of the broker world and the best of the retail world to create an unbeatable experience for loan originators: the hybrid-wholesale model.
Hybrid-Wholesale
The control and support of retail with the flexibility and pricing of the broker world
Broker Model
Pros
Best Rates
Highest Compensation
Most Loan Options
Freedom to Build your Business
Cons
Limited Processing
Poor Marketing Quality
No Access to Underwriting
Limited Team Atmosphere
Retail Model
Pros
In-House Processing Support
Quality Marketing
Direct Line to Underwriting
Team Atmosphere
Cons
Higher Rates
Lower Compensation
Limited Loan Products
Limited Freedom to Build your Brand
Not everything, just the right things
No surprise fees. No arbitrary restrictions. Structure that lets you earn more.
Broker or Correspondent
Your choice. No penalties.
Go broker or go correspondent. You choose.
NO penalties
Flat Fee Structure
Transparent. Predictable.
$695 company fee
$300 platform fee, offset by $300 bonus after 25 transactions
NO hidden warehouse charges on correspondent loans
Robust Investor List
Expanding continuously.
Offering over a dozen different investors and lenders
This list will continue to grow over time
All Major Loan Types
Build your focus around them.
Conv, FHA, VA plus: Jumbo, Non-QM, DSCR
HELOCs, Reverse, Construction, and more
Freedom with a Foundation
Freedom in how you operate and how your business grows. A team that supports you where it counts.
01
Control Your Schedule
1099 options available depending on your state licensure and role. Work when and how you want.
02
Build Your Team
Easily setup your team splits and keep track of everyone’s progress with our proprietary software, Cadence.
03
Collaborate When You Want
Take advantage of our online forum, use our Cadence leaderboard for motivation, tune into our Focus Framework series, and attend yearly team events in person.
Systems that keep your world running smoothly
Dedicated Transition Team
Make the move without losing your loans.
Many LOs see an increase in business activity for both purchase and refinances.
Processing Optionality
HQ Processing available for $750/file. Taken from submission to closeout. You can also self process or use a third party.
Already have your own processing? We support that too.
Professional Marketing Kit
You will receive custom marketing assets such as business cards, one-pagers, online profile, and more.
Online ordering system for reorders. Build your own using our brand guides.
The tech stack that makes it possible.
ARIVELOS / POSHousingWire Top 100
Pre-approve clients from your phone.
Generate quotes in seconds. ARIVE acts as a pricing engine, loan operating system, and point of sale — all in one place.
Full loan file management
Live investor pricing engine
Instant mortgage quotes
Branded pre-approval letters
CadencePlatformProprietary
Track loans, monitor bonuses, and keep tabs on the Focus leaderboard.
Our proprietary platform puts every metric that matters in one place. And so much more.
Loan pipeline scorecard
Brokerage leaderboard
Bonus tracker + pace chart
Refi scenario builder
A brand intentionally created to elevate you
Your brand is your first impression. We made sure it counts.
The Name "Focus"
Enhances your personal brand. Immediately tells your borrowers that you are someone who is dedicated and sees the end goal.
High Quality as a Baseline
Focus marketing materials help you look polished and professional. Set yourself apart and gain trust before even saying a word.
Flexibility to Go Beyond
You are not limited by the brand, but are given the tools to make Focus fit your business. Use the brand or the DBA your way.
Marketing Snapshot
Professional from day one.
Everything ships before your first day.
Custom assets built to your profile, not a generic template. Your name, your photo, your brand. Ready to deploy.
A few words from our loan originators
“I expected the better pricing...50+ bps! What I didn’t expect was the better marketing, processing, and tech.”
Matthew C.Retail to Hybrid-Wholesale
“When I moved, the Rate Radar from Focus helped me close 12 refinance loans in my first 90 days. That’s money I never would’ve made otherwise.”
Lacee H.Retail to Hybrid-Wholesale
Careers
Open positions
No open operations postings right now, but we're always talking to high-performing loan originators. If that's you, let's talk.
Next Steps
Intro to Transition Team + Application Process
Walk through what it looks like to make the move to Focus and see firsthand how easy the transition is.
No obligation. Just a conversation.
Have more questions? Schedule a call on any of these topics
