01
Retail backbone
The team, training, structured cadence, and full W-2 benefits package retail uses to keep loan officers from leaving. We use it for the opposite reason — so the move doesn't cost you what you've been counting on.
For Retail Loan Officers
Retail backbone.
Broker upside.
PrimeTime is a broker shop built like a retail team. Close more deals, keep more comp, never lose the team around you.
200 bpsUp to LO comp
130+Investors
2,700+Loan products
W-2Full benefits
The Pitch
Most broker shops weren't built to close more deals. We built one that is.
Retail brought structure, training, and a team that closes deals together. The broker channel brought better pricing, deeper product, and bigger comp. PrimeTime is what happens when you stop choosing between them.
02
Broker upside
Up to 200 bps in LO comp. 130+ investors. 2,700+ loan products. Commercial through Janover. Same loan you couldn't close at retail closes here at a paycheck that pays out.
03
No corporate attitude
None of the meddling. None of the politics. None of the cold-feeling layers between you and your business. The brand on your customer-facing materials can stay yours, too.
The Math
Same loan. Different paycheck.
We pay up to 200 basis points to the loan officer. Out of that, 11% goes to a flat accounting fee that funds the operational backbone. We're going to show you the math the way you'd run it yourself — on a real loan, with the fee already deducted.
Your retail today
- Per loan$4,000
- Per month$16,000
- Per year$192,000
PrimeTime
- Per loan$6,230
- Per month$24,920
- Per year$299,040
11% accounting fee deducted
+$107,040
ANNUAL DIFFERENCE
W-2 package included: Medical via Gravie · Dental · Vision · Life · LTD/STD
This LO may be eligible for 1099 status depending on their state. Toggle below to compare.
No loan cap. Every basis point on every dollar, paid out.
What you get
The whole offer. Six things, all real.
01
Comp
Up to 200 bps
Performance-based. No bonuses, no automatic raises, no overpaying unproven LOs. Stack months, earn the next tier.
- Paid as W-2
- 11% accounting fee, disclosed
- Comp ladder on request
02
Benefits
Full W-2 package
The reason most brokers can't recruit retail talent. We can. Real medical, real benefits, real safety net.
- Medical via Gravie
- Dental, vision, life, LTD/STD
- Pet insurance — yes, the dog
03
Tech
The full stack
Day one access to the tools you'd otherwise be paying for out of pocket. Built for how loans actually move.
- ROAM AI suite
- MX CRM + Google Workspace
- Canva Pro + design tools
04
Products
Close more deals
Two reasons retail LOs lose deals: not having the product, can't service the file fast enough. We fix both.
- 130+ investors
- 2,700+ loan products
- Commercial via Janover
05
Training
Mpire University
4–6 week roadmap built by top producers and mortgage industry innovators. Self-paced, instructor-led, with the accountability built in. From guesswork to gameplan.
- Foundation in 2 weeks, skills in 2 more
- Private FB group + weekly ROAM office hours
- AI prompt stacking + scripts mastery
06
Yours
Brand freedom
Operate under PrimeTime, our parent Mpire Financial, or your own personal brand. The relationships you've built are yours.
- No required marks
- Your site, your name
- We make it stronger, not absorb it
The Stack
Day one, you log into this.
ROAM
Magic Minutes (call summaries that work), Magic Cast, Lobby Links, AI Assistants, and Co-workers for delegated workflow.
MX
Our CRM and operational system. Built around how loans actually move, not how a software company thinks loans should move.
Google Workspace
Gmail, Drive, Docs, Sheets, Calendar, and Gemini. Standard issue, fully provisioned.
Canva Pro
For the design work you'd otherwise be expensing — flyers, social, listings, marketing collateral.
Video & Graphic Tools
For your content, your social, and the realtor partners you're recruiting on the side.
Annual technology fee for licensed loan officers / $300 / yr · prorated
Operations
Full-stack ops. Zero out of pocket.
Most broker shops hand you a login and a wholesale rep. We give you a complete ops layer built around how you close loans — processor, LOA support, and the flexibility to structure it however you work best. You pay none of it.
01 / Bring Your Own
Keep your processor
Already have someone you trust? Bring them. We'll place them within our processing partner structure so they're properly set up, compliant, and ready to work your pipeline from day one.
02 / We Place Yours
Hand them off
Have a processor but want them handled? We place them with a trusted partner in our network. They stay on your files. You stay focused on originating.
03 / We Match You
Start fresh
No processor? We'll match you with the right fit from our network based on how you work, your volume, and your market. No guessing, no solo figuring-it-out.
LOA Support
A loan officer assistant is available to every LO on the team — not gated by volume, not a reward for hitting a number. If you want one, you can have one.
How it's paid
Processing is a client-paid fee charged by the processing company. It is not a lender charge, not in Box A, and it does not come out of your comp.
You sell. We handle the rest.
Mpire University
For LOs who are early, stuck, or rebuilding.
MpireU isn't for everyone. It's built for loan officers who are new to the business, struggling to find consistency, or ready to rebuild with the right system. If you're already producing at a high level, you'll skip this and go straight to work. If you're not — this is the roadmap.
Phase 01 · Weeks 1-2
Foundation & Structure
- Business Planning & Goal Setting
- Time Management & Accountability
- Social Media Strategy & Compliance
- AI Prompt Stacking & Marketing Tools
- Loan Programs: FHA, VA, Conv, USDA, HELOC
Phase 02 · Weeks 3-4
Skills & Brand Building
- Application & Scripts Mastery
- Social Selling & Referral
- Partner Strategy
- Branding & Business Media
- Loan Programs: DSCR, Non-QM, One-Time-Close
- Success Track Prep
Access
- MpireU Private Facebook Group
Daily peer-to-peer learning, wins, and breakdowns.
- Weekly ROAM Office Hours
Live Q&A with instructors. Bring your real situations.
- MpireU Group Chat
Always-on coaching. Send a question, get an answer.
Straight Talk
The honest bit.
The fees What it costs.
11% accounting fee on gross comp. Funds payroll, compliance, and operational backbone. Industry-standard for the broker channel.
$300/year tech fee. Covers ROAM, MX, Google, Canva, and the design tools. Prorated. Non-refundable.
What you don't pay for: long-term disability, basic life and AD&D, training, your CRM, your AI suite.
The bar What's expected.
Production thresholds for staying. We'll set them with you, in writing, on day one.
Weekly 1:1s. Monthly business reviews. Quarterly business plan check-ins. The cadence retail LOs are used to.
If your retail manager skipped your weekly meeting half the time, this part will feel different.
The fit Who isn't a fit.
Bonus-hungry. Won't engage with the team. Treats opportunity casually. Uses the market as an excuse.
If you need a signing bonus to feel motivated, you're going to be the wrong fit by month three.
We screen for this on the call. So should you.
Take the call
30 minutes. No pressure.
Bring your last 12 months of production. We'll run the math live and you'll know inside half an hour whether the move makes sense for you.
Book a 30-min intro call →Prefer email? cole@mpirefi.com · Or text (813) 579-8812