In the ever changing mortgage market; choices are a must. 

Below you will find several different opportunities available within the Top Flite family.  Whether you are a seasoned mortgage professional looking to become a branch partner or brand new to this incredible industry and have no idea where to turn, you will find that Top Flite Financial has the right program for you.


After navigating through the programs below hopefully one of them will jump off the page, capture your heart and force you to get started immediately.  If not visit our Contact page to request more information.  Thanks for choosing Top Flite!

Branch Partner : Flat Monthly Fee
Branch Partner : Flat File Fee
Branch Partner : No Fee
Loan Officer


Branch Partner : Fixed Monthly Fee

Become a branch partner and pay one low fixed monthly fee of only $1495**. This fixed monthly program is geared to those branches that typically close 5 or more loans per month. It keeps your operating costs low, fixed and gives you the freedom to originate with unlimited potential.

Benefits

See the multiple benefits to the right

Operational Fees

$1495.00 per month flat fee

  • Your branch operating account will receive 100%
    of the revenue listed on the HUD 1 settlement statement.

Minimum Monthly Branch Fees

 $1495.00**

Method of payroll

 W2

Payroll frequency

 Weekly – all files in compliance by Friday will be paid out that following Friday.

Application Fee

$99 Non-Refundable Application Fee.***

Setup Cost

$1895.00 upon branch approval will be charged to your branch operating account.

  • $1495 of this set up cost will cover your first month’s operational fees.

  • $400 of this setup cost is used to provide you with the necessary branch start up material needed: labor law posters, Brochures, Folders, Letterhead & Envelopes, Encompass registration, etc…

Who Pays the branch expenses?

All branch expenses are paid out of a branch operating account by Top Flite’s Accounting Department.

Who pays for licensing my branch?

Your branch account will be charged for any payment needed to obtain all Branch Licensing that is required.

Top Flite will assist you with the processing and filing of all licensing paperwork required.
Term

No mandatory term is required; you can switch programs at any time***  
Branch Partner : Fixed File Fee

Become a branch partner and only pay for what you use. This flat rate fixed file fee program is geared to those branches that typically close 5 or fewer loans per month. Your per loan transaction fee of only $495** remains fixed no matter how large the loan thus giving you the peace of mind knowing your income and expense on every closed loan.
Benefits

See the multiple benefits to the right

Operational Fees

$495 per closed first lien loan.
$295 per closed second lien loan.
(The $295 is waived for piggy back seconds)

  • Your branch operating account will receive 100% of the revenue listed on the HUD 1 settlement statement minus the appropriate per file fee.

  • Close your 6th, 11th, 16th & 21st loan in a calendar month and get it for FREE!!! That's right no per file fee on these 4 loans.

Minimum Monthly Branch Fees

$495.00**

In the unlikely event your branch office hangs a donut during any calendar month TFF reserves the right to charge a $495 fee to your branch account.

Method of payroll

 W2

Payroll frequency

Weekly – all files in compliance by Friday will be paid out that following Friday.

Application Fee

$99 Non-Refundable Application Fee.***

Setup Cost

$400.00 upon branch approval will be charged to your branch operating account.

  • This will cover the cost to provide you with the necessary branch start up material needed: labor law posters, Brochures, Folders, Letterhead & Envelopes, Encompass registration, etc…

Who Pays the branch expenses?

All branch expenses are paid out of a branch operating account by Top Flite’s Accounting Department.

Who pays for licensing my branch?

Your branch account will be charged for any payment needed to obtain all Branch Licensing that is required.

Top Flite will assist you with the processing and filing of all licensing paperwork required.
Term

No mandatory term is required; you can switch programs at any time****

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Branch Partner : No Fee

Become a branch partner and pay no Operational Fees* by banking your loans with Top Flite Funding. The No Fee program was designed for those Branch Managers with a banking mentality. Get great rates, excellent service and do not disclose yield spread! This program is a win-win for everyone involved - it eliminates costs, increases profitability and gives you the freedom to originate with unlimited potential.
Benefits

See the multiple benefits to the right

Operational Fees

$0.00, Zilch, Nada*

  • Your branch operating account will receive 100%
    of the revenue listed on the HUD 1 settlement statement.

Minimum Monthly Branch Fees

$495.00**

In the unlikely event your branch office hangs a donut
during any calendar month TFF reserves the right to
charge a $495 fee to your branch account.

Method of payroll

 W2

Payroll frequency

Weekly – all files in compliance by Friday will be paid out that following Friday.

Application Fee

$99 Non-Refundable Application Fee.***

Setup Cost

$400.00 upon branch approval will be charged to your branch operating account.

  • This will cover the cost to provide you with the necessary branch start up material needed: labor law posters, Brochures, Folders, Letterhead & Envelopes, Encompass registration, etc…

Who Pays the branch expenses?

All branch expenses are paid out of a branch operating account by Top Flite’s Accounting Department.

Who pays for licensing my branch?

Your branch account will be charged for any payment needed to obtain all Branch Licensing that is required.

Top Flite will assist you with the processing and filing of all licensing paperwork required.
Term

No mandatory term is required; you can switch programs at any time****

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Loan Officer

Are you seasoned in the mortgage business but not quite ready to take on the responsibility of opening and running your own branch office?  Do you not meet the branch partner requirements?  Well partnering with Top Flite is a wise decision no matter which route you take. As a loan officer you will have a number of tools including leads available to help you grow toward that next level. 

Our goal is your success! 

Once your application is approved and based on your personality and production expectations we will place you in the care of a Branch Manager capable of helping you succeed.  Your commission percentage is negotiable and will be based on a number of items including but not limited to: Origination experience, years in the industry, designations, past commissions and most importantly what you can do today!  Apply now for one of these prestigious positions...

*No Operational Fee will be charged on loans closed in house (a $750 underwriting fee will apply). A $495 fee will be charged on all brokered loans.
**Plus a $149 per month Branch accounting fee and a $7 per employee, per week Fee which covers all payroll related fees from Paychex® (TFF’s payroll provider), the set up and
  monthly hosting fee for a personalized www.topflitefinancial.com website and the set up and
  monthly usage of Encompass® (TFF’s Loan Origination software).
***This fee includes any and all background/credit checks needed to approve your branch.
****All program changes must be approved in writing and no less than 30 days in advance.

Flexibility to choose your destiny!


Access to over 70 lenders!


Personalized websites available to you and your staff!


No monthly quotas!


Corporate support team to assist in dealing with any and all concerns!


Do what you do best and leave the Compliance, Payroll & Accounting to us!


Loan Officers with as little as 2 years experience can start their own branch and increase revenues!


Top Flite provides extensive training based on your level of education!


Start originating in multiple states today!


FHA, VA, Rural Development and Reverse Mortgage capabilities!


Utilize “Top Flite Leads” to access millions of potential clients!


Flexibility to change programs at any time with only a 30 day advance notice!


Operate as a Mortgage Banker or Broker!


You determine your Loan Officers commission!


Commercial Lending!


Construction Lending!


Unlimited income potential!


Affilate Programs allowing you to save money!


A company with vision and the desire to be on the cutting edge!


Ability to use your Appraiser and Title Company!


Corporate mentoring!


Incentive programs


Encompass Loan origination software


Owners that truly care about you!


And much, much more…