Kansas
Missouri
Colorado
Iowa
Florida
Oklahoma
Minnesota
Arkansas
Texas
Illinois
The average pricing edge your buyers get over retail. That's why your offers win. (Polygon Research, 2023)
Flat fee of $995 per file, capped at 36 loans a year.* No bloated splits, no surprises. The more you produce, the more you keep.
Per-file comp
No percentage-based structures that punish you for doing well. A flat fee — no matter the loan size, no matter the volume.
Once you hit the annual cap, you keep everything. Nothing taken, nothing split.
Recruiting bonus
Includes bonus & recognition
Recruit 5 LOs, each closing 2 loans/month → 10 loans × $200
$2,000 /month
$24,000/year extra
*Compensation details are provided for informational purposes only and do not constitute an offer of employment or a guarantee of compensation. Per-file pricing, annual caps, and recruiting compensation are subject to change at Smart Home Lending's discretion. Recruiting compensation is paid per closed loan and is contingent on referred loan officers remaining actively licensed, employed by Smart Home Lending, and meeting minimum production requirements. Level status is based on actively producing recruits. All compensation is subject to applicable tax withholding and applicable law. Smart Home Lending reserves the right to modify or discontinue any compensation program at any time. Example figures are illustrative only and 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
Illinois
Start the conversation
Talk with our team
Onboard and grow.
How does compensation work for loan officers at Smart Home Lending?
Smart Home Lending uses a flat-fee comp model: $995 per file, capped at 36 loans per year. There are no revenue splits and no percentage-based structures, so the more you produce, the more you keep. Compensation details are confirmed during the interview process and subject to change.
How is a flat fee different from a traditional split?
At a traditional brokerage or retail bank, your employer takes a percentage of every deal, so your cost grows with your production. A flat fee stays the same on every file regardless of loan size, which means high producers keep dramatically more of what they generate.
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 Kansas, Missouri, Illinois, Colorado, Iowa, Minnesota, Arkansas, Oklahoma, Texas, and Florida, 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.
Can I earn by recruiting other loan officers?
Yes. Smart Home Lending pays a per-loan override on every loan your recruits close, with tiers that grow as you build your team, up to $250 per loan plus an annual bonus at the Presidents level. Details and conditions are covered in the comp plan.
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 2022, based in the Kansas City metro and licensed in 10 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.