About eXp

Build Another Income Stream

Generate Your Passive Income Through Mortgage

Add a licensed mortgage income path to the real estate relationships you are already building.

The Opportunity

Turn Trusted Buyer Relationships Into A Second Career Path

Real estate agents are already present when buyers begin the financing conversation. This path adds the education, licensing, and employment structure required to participate legally in the mortgage side of the transaction.

  • $600 investment for the required classes
  • National test must be passed
  • Guaranteed Rate onboarding is required
  • W-2 employment is required before transaction-based pay
Start With Michael
Michael O'Neill, mortgage contact for The Tattooed Legacy

Michael O'Neill

Guaranteed Rate

Your Tattooed Legacy Mortgage Contact

Your Additional Income

Mortgage Earnings Calculator

$
Buyers Who Use Your Mortgage Services70%
10%100%
Average Buyer Down Payment15%
5%50%
Loan Originator Compensation50 bps
20 bps75 bps

Estimated Annual Additional Income

$14,875

Based on $2,975,000 in estimated loan volume.

Illustrative Range At 20–75 bps

$5,950 – $22,313

Calculator Source: Close Both ↗

For real estate and mortgage professionals only. This independent calculator uses the assumptions shown in Close Both’s estimator. Estimates are illustrative business planning figures, not a loan offer, compensation agreement, or guarantee of earnings. Actual compensation depends on licensing, origination services performed, lender compensation plans, loan products, production volume, and applicable state and federal regulations. Not intended for consumers. Clients remain free to choose their lender.

How It Works

Your Path From Interest To Income

  1. 01

    Complete The Classes

    Invest $600 in the required mortgage education and complete the coursework before scheduling the national test.

  2. 02

    Pass The National Test

    Meet the applicable licensing requirements and pass the national exam. Any additional state requirements are confirmed during onboarding.

  3. 03

    Onboard With Guaranteed Rate

    Complete Guaranteed Rate onboarding and become a W-2 employee of the company before you can legally receive compensation tied to mortgage transactions.

Important

Income Begins Only After The Required Setup

This is an introduction to the opportunity, not a promise of earnings. Final ownership, employment, licensing, eligibility, compensation, and compliance terms come from the participating company and signed agreements.

Build Beyond Commission