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The average pricing edge your buyers get over retail. That's why your offers win. (Polygon Research, 2023)
$595 per file for the first 100 loans each calendar year, then $100 per file for QC. A $105 monthly technology fee applies. Written terms govern.
Per-file comp
Keep what you close.
A fee based on file count, rather than loan size. See the full fee schedule below.
Loans 1 through 100 are $595 each per calendar year. On loan 101 and up, a $100 per-file QC fee applies. A $105 monthly technology fee applies.
*Compensation details are provided for informational purposes only and do not constitute an offer of employment or a guarantee of compensation. The flat file fee is $595 for the first 100 loans in each calendar year. After the 100-loan cap, a $100 per-file QC fee applies. A $105 monthly technology fee applies. There is no loan-officer referral compensation program. Per-file pricing, annual caps and fees are governed by Smart Home Lending’s written terms and are subject to change. All compensation is subject to applicable law. Example figures do not represent typical or guaranteed earnings.
Access to 100+ wholesale lenders and market-leading rates
Review generation and reputation management support
Marketing and personal branding support
Processing and operations support
Your own branded LO profile page with reviews built in
Active investment in lead generation and pipeline growth
GoHighLevel CRM set up and ready, not just handed to you
A team that picks up the phone
You're looking to coast, not produce
You're not serious about growing your business
You're a retail LO tired of giving up income on every deal
You're at a brokerage where the promised support never showed up
You're newer to the industry and want a platform built for growth
You want a team, culture, and comp plan built for the long term
Kansas
Missouri
Colorado
Iowa
Florida
Oklahoma
Minnesota
Arkansas
Texas
Start the conversation
Talk with our team
Onboard and grow.
Complete the form below, or open the career inquiry form in a new tab.
How does compensation work for loan officers at Smart Home Lending?
Smart Home Lending charges a $595 flat file fee for the first 100 loans in each calendar year. After the 100-loan cap, a $100 per-file QC fee applies. A $105 monthly technology fee also applies. Compensation and fees are governed by Smart Home Lending’s written terms, which are confirmed during the interview process and are subject to change.
How is a flat fee different from a traditional split?
A flat file fee is a set amount per file rather than a percentage of revenue or loan size. Smart Home Lending charges $595 per file for the first 100 loans each calendar year, then a $100 per-file QC fee. A $105 monthly technology fee applies. Written terms govern.
Is there a production minimum to join?
Smart Home Lending is built for producing loan officers, but fit is decided in a conversation, not by a number. Newer LOs who are serious about growth are welcome. The platform, CRM, and marketing support are designed to help you scale.
What support do loan officers actually get?
Dedicated processing and operations support, a GoHighLevel CRM set up and ready, your own branded LO profile page with reviews built in, review generation, personal branding help, and active investment in lead generation. Plus access to 100+ wholesale lenders for pricing that wins deals.
What states does Smart Home Lending hire loan officers in?
Smart Home Lending (NMLS #2140357) is licensed in Arkansas, Colorado, Florida, Iowa, Kansas, Minnesota, Missouri, Oklahoma, and Texas, and is actively expanding. Not licensed in your state yet? Start the conversation anyway. We grow where the talent is.
Is the conversation confidential?
Completely. We know most producing LOs explore options while still employed. Your inquiry, your conversation with Taylor Hartley, and your information stay private.
Is there a loan-officer referral program?
No. Smart Home Lending does not offer a loan-officer referral compensation program.
Will switching brokerages stall my pipeline?
The team coordinates licensing transfer and onboarding so you can keep closing. You get CRM access, lender connections, and your branded LO profile from day one. The goal is that your production never goes dark.
Who is Smart Home Lending?
A modern independent mortgage brokerage founded by Taylor Hartley in 2018, based in the Kansas City metro and licensed in 9 states. The team includes Scotsman Guide top-1% loan officers, has served 10,000+ homeowners, and holds 5.0 stars across 550+ Google reviews.
How do I start?
Fill out the short form on this page or schedule an intro call. It takes less than two minutes, it's confidential, and Taylor follows up personally within one business day. No paperwork, no commitment. Just a conversation.
Are loan officers at Smart Home Lending W2 or 1099?
Loan officers at Smart Home Lending are 1099 independent contractors. Paired with the flat-fee comp model, that means you run your business like a business: you keep more of what you produce and stay in control of how you grow.
Can I work remotely?
Yes. Smart Home Lending supports remote loan officers across its licensed states. The CRM, processing support, marketing tools, and 100+ wholesale lender access all work wherever you do.