TLC Lending (“TLC”) delivers a fully functional “virtual” office to support the sales process from pre-qualification to closing. Our Total Loan Care program offers access to our loan origination system, daily rates, product guidelines, loan document and disclosures, real time reporting, and mortgage related tools.

As a member of TLC, you can be employed as a Loan Officer (IRS W-2) or an independent contractor (IRS 1099). In either case you will be working in an entrepreneurial capacity. We offer a revenue share compensation model in which you manage your own profit center responsible for its financial and operational administration. You get full credit for the origination fee, yield spread premium and other fees collected. However, any price shortages, subsidies or fee waivers are strictly your own decision and cost. Splits range from 50% to 60% of net revenue depending on the total monthly gross revenue earned. As an additional incentive, we offer recruiting bonuses for team building. Receive residual income of the volume produced by those you hire up to 5% of commission revenue.

TLC provides software and technology support, payroll, accounting, and administrative services as well as regulatory compliance, licensing and legal support. In addition, we supply all the necessary training, marketing materials, and product literature to help you better manage your business. Lastly, TLC assumes all the financial risks of the mortgage transaction. For these administrative and fulfillment services, we charge a flat fee per loan of $500.

Core to our philosophy is that we must establish a customer driven enterprise committed to excellence in serving not only the borrower, but you the originator as well.

We believe you should be in business for yourself, but not by yourself.