For the past 18 years, I built a very successful career in retail mortgage lending. I hit the milestones, built teams, and did what you’re “supposed” to do as a retail loan officer—yet I kept running into the same frustrations: limited transparency, restricted product options, internal commission caps, overlays, and politics that made it harder to truly serve my clients and grow my business.

I assumed that was just how the industry worked…

until I moved my business to the independent mortgage broker model.

On the other side, I found more control, more flexibility, better pricing options for clients, and a business structure that rewarded production without the typical retail restraints.

That’s why I built a brokerage. I still originate loans every day, but I’m also committed to helping retail loan officers see what’s possible in the broker model—and providing a proven platform to help them grow.

This isn’t a “broker is for everyone” pitch.

The broker model isn’t right for every LO or every situation. But if you’re feeling stuck, capped, or simply curious about what’s possible outside of retail, this strategy meeting will give you clarity. You’ll leave with a clear understanding of your options and whether making the move is the right play for you and your career.