The 100% Commission Model. One flat operational fee per file—you keep the rest. Whether the loan is $150K or $1.5M, your cost stays capped.
Established in July 2000, Heartland Mortgage Corp. has navigated over two decades of industry volatility—from the financial crisis to the pandemic—proving that longevity is the ultimate testament to resilience and integrity.
| Feature | Traditional Model | Heartland Partner Model |
|---|---|---|
| Compensation | Variable Split (e.g., 50 bps). The house takes more as you produce more. | 100% Commission. You keep the rest after flat fees. |
| High Balance Loans | Penalized. House takes huge cut on Jumbo loans despite equal work. | Capped Costs. You save over $12,000 on a typical $1.5M Jumbo loan. |
| Autonomy | Employee status. Corporate hierarchy limits your brand. | You are the CEO. 1099 Independent Contractor status. |
| Operational Fee | Hidden in the spread (often thousands per file). | Transparent Flat Fee: $1,275 per file. |
We believe in fair pricing. No hidden costs or surprise charges.
Independence usually implies "Do It Yourself." Not here.
We utilize a curated stack of the industry's leading specialized software to help you win more deals—all for one low, flat monthly rate.
Whether you are in New York, New Jersey, or Florida, Heartland provides the platform you need to expand your reach.