Our - Beyond Commission - platform allows real estate professionals to earn income on both property sales & property refinancing. In addition to earning extra income, you get the full support of our corporate resources to help grow your business. Why settle for JUST real estate commission?

Beyond Commission’s Unique Value Proposition

We provide more than a one-off opportunity... and it’s not money

50bps on leads is 3-4x total lead cost

Our 50bps structure recovers more than the cost of the lead. It propels continued investment into building business.

Purchase & Refi Payout

Our 50bps compensation applies to both purchase & refinance transactions.

We Convert on Leads in Parallel

The Beyond Commission project team will work in tandem with your team.

Income Opportunity

Team Lead

$24,116

30bps
58 - Purchase Transactions Total Annual
15 - Forecasted Captured Transactions Annual
$357,666 - Average Loan Size
30 - Bps to Broker Owner
55% - Refi Retention Rate on Purchase Business
$15,558 - Purchase Commissions to Broker Owner
$8,557 - Refi Retention Commissions to Broker Owner
$24,116 - Total Income Opportunity

Agent

$16,077

20bps
58 - Purchase Transactions Total Annual
15 - Forecasted Captured Transactions Annual
$357,666 - Average Loan Size
20 - Bps to Broker Owner
55% - Refi Retention Rate on Purchase Business
$10,372 - Purchase Commissions to Broker Owner
$5,705 - Refi Retention Commissions to Broker Owner
$16,077 - Total Income Opportunity

Potential issues with other models

For leads generated through other lead services, there is a referral fee to the real estate agent if the transaction closes. A typical referral fee is 40% of the total commission.

  • The 40% commission fee creates this low margin model
  • The 40% rate will most likely increase
  • No refinance opportunity

Ensuring a good market fit is critical for growth

Partnering with the right team, that posses a demonstrated understanding of the consumer direct model is a key component to optimizing for accelerated market reach and method integration.

Ylopo

FUB

Maverick

Your brokerage

Has capabilities and understanding of:

Demonstrated experience in conversion of PPC SEM property leads
Understands how to market inside of the FUB platform to ensure productive engagement from leads
Open to tracking relevant metrics to maintain a standard of success for stakeholders receiving leads

Nations Lending

Provides support for:

Contributes to lead cost and provides an ongoing opportunity to reinvest in 2X CAC
We contribute to the FUB platform in tandem with you
We contribute and manage agents to ensure key metrics are achieved

Nations Lending platform offers Independent Brokers an opportunity to own the value chain

Nations Lending leverages deep expertise in consumer direct lending.We manage the entire funnel to efficiently nurture, qualify, and convert leads into closed loans through a combination of cutting-edge technology, data-driven strategies, and highly responsive, customer-centric processes. This enables our Beyond Commission partners to maximize their return on marketing investment.

Nations Lending & Independent
Brokers

Servicing Advantage: Unlike typical lenders, Nations Lending services 96% of our loans. We monitor market conditions and borrower behavior to proactively offer solutions (like refinancing options when rates drop) that benefit the borrower and generate new business for our Beyond Commission partners. This is crucial in an industry with historically low borrower retention rates (often below 20%).

Refinances: the hidden opportunity and weakness you didn't know!

For many mortgage products, particularly 30-year fixed options, current rates are competitive, signaling a direct opportunity for homeowners with higher existing rates to reduce their financial burden.

Mortgage Rate Comparison (Late June 2025)

Many conventional and government-backed loans have nominal rates or APRs in the mid-to-high 6% range, making a refinance highly beneficial.

Mortgage Rate Comparison (Late June 2025)

Rates have trended down after spiking above 7% earlier in the year, highlighting a favorable, but potentially brief, window to act.

As interest rates fall, millions of borrowers may be able to refinance and get more affordable payments. As interest rates easeddown to 6.5%, about 2.5 million borrowers could already refinance and save at least 75 basis points (0.75%) on their interest rate, according to data from ICE MortgageTechnology. A reduction in rate from 7.25% to 6.5% would result in a $200 monthly savings on a $400,000 loan with a similar term. If interest rates fall to 5.5%, more than7 million borrowers can potentially refinance, and over 5 million of these refi candidates got their mortgages in the past three years.

The highest credit card debt balance: A lead generator + Retention

Refinances take place 2-3X as much as buyside purchase transactions

Opportunity:

Targeting the Market:Lenders can target homeowners with high credit card balances, offering cash-out refinance as a solution to their debt problems.

Offering a Solution:By providing cash-out refinance options, lenders can cater to the needs of these homeowners and attract a large pool of potential customers

Refinances take place 2-3X as much as buyside purchase transactions

Nations Lending products

The Staples:

FNMA, FHLMC, FHA, VA, USDA
Homestyle Renovation, Refi-Now, Refi-Possible, VLIP Credit
No Overlays (or very limited)
Fully Delegated

The Strategy/Solutions:

Jumbo financing up to $4MM
DTI to 55%, FICO down to 620, Follow AUS reserves
Non-QM
Bank statement, 1099 only, P&L only, Asset Depletion, Asset Utilization
DSCR
First-time investor, Single-Entity LLC
Fully Delegated

ACE approvals

Nations Lending’s Accelerated Competitive Edge Approval (ACE) program is designed to make your buyer’s offer stand out to home sellers. It gives them an edge over the competition by proving they can close on the deal.

With an ACE approval, borrowers complete a loan application and receive full financing approval from an underwriter before making an offer on a home.

Cash-Edge

Your buyer gets pre-funded through a Personal Mortgage Advisor at Nations Lending. Once approved by the committee, they can shop for their dream home with the power of cash. When the buyer finds a home, they receive a client agreement with property-specific terms, followed by final approval.

Building you a tailor-made team

We build an edge-to-edge support structure.

  • ISA recruitment for your office
  • Loan Officer recruitment for your office
  • In-house team dedicated to working your past book of business*
  • Realtor/Team recruiting

*All data that we receive will be governed by a licensing agreement

Technology-Driven engagement

Elite training to drive conversions.

Your ISAs operate within the Follow-Up Boss CRM, allowing them to organize, track, and optimize lead communication effectively.

Leveraging advanced AI voice and text tools, they maintain high engagement rates through fast, intelligent, and human-like responses. This technology ensures every lead receives timely, relevant communication—enhancing conversion potential at every stage.

Cost effective & accountable

Elite training to drive conversions.

Nearshore, Cost-Effective, and Time-Aligned

Accountability & Performance Metrics

Your ISAs are nearshore team members are located in the same time zone as the agents they support, ensuring real-time responsiveness without scheduling conflicts. They offer a cost-effective alternative to domestic hires, delivering high-value services at a fraction of the cost while maintaining alignment with U.S. business hours and customer expectations.

ISAs are fully accountable to clearly defined performance metrics, including response time, contact rates, appointment sets, and conversion ratios. Their activities are monitored and optimized continuously to meet partner expectations. Regular performance reviews and data-driven improvements ensure that ISAs remain productive and results-focused.

The loan officer dynamic is key

Your input is critical in placing the right LO’s in the office

  • How a loan officer services your team is a critical element for success. The ‘sit back and wait for the deal’ approach is a nonstarter. Being on-site and engaged in your office culture is mandatory.

A full suite of marketing support

  • In-Market alerts
  • Events Planning
  • Preloaded CRM
  • Instant Open-House Collateral
  • Custom Landing Pages

Homebot & the Genie Program

Tailored consumer content plus appointment setting.

  • Homebotis a valuable tool for realtors, significantly boosting their business and client relationships. It helps agents stay top-of-mind with clients by automating monthly emails that provide personalized home value insights and wealth-building tips.

    In addition our Genie team will call your former buyers to schedule meetings, zoom calls, or text conversations.