Frequently Asked Questions
Your role is simple and focused. You only need to:
- Send your buyer a secure loan application link
- Stay in touch with your assigned Inside Loan Officer for updates
Your Inside LO handles all backend tasks, allowing you to focus on real estate.
You are not responsible for:
- Collecting documents
- Calculating income
- Quoting rates or loan terms
- Handling disclosures or compliance
We handle the mortgage process so you can stay focused on real estate.
We guide you through the entire process. Here's what's required:
- Get your free NMLS number
- Complete 20 hours of NMLS education + 3 hours of state-specific training
- Pass the SAFE Test (75% or higher)
- Submit fingerprints and background check
- Apply through the NMLS system
- Get sponsored by Direct Rate
That's it — then you're ready to start earning.
Yes. We provide full support from the start:
- Weekly live coaching calls
- Dedicated Senior Loan Officers
- Full processing and backend support
- Real Estate Master Classes
- Discounted classes and exam prep at DirectRateUniversity.com
Yes. The LEVEL Program is fully compliant and legally structured.
- Compliant with RESPA Section 8(b)
- Dual licensing has been legal in 45 states since 2022 (including Texas)
- Fully compliant with TREC regulations
- Disclosure is required to inform clients of dual roles
- You must be licensed and sponsored by Direct Rate to earn compensation
Yes. As long as you are licensed as a Loan Originator, you can legally earn income from both the real estate and mortgage sides of a transaction.
This is not a referral program. It is a RESPA-compliant compensation model that is legal and transparent.
No. The LEVEL Program is designed to keep you focused on real estate. Your only role is to refer clients by sending a secure loan application link. All mortgage-related tasks and compliance are handled by licensed Loan Officers at Direct Rate.
That's exactly why the LEVEL Program exists. Your role in the mortgage process is limited and compliant. You are only responsible for sending your client a secure loan application link and staying informed through regular updates from your assigned Inside Loan Officer at Direct Rate. The result: you stay focused on real estate, with minimal time commitment — and gain a compliant path to additional income.
That's fine — but Direct Rate gives you something most lenders can't: a way to earn up to 1% per transaction legally, with no extra work.
We offer competitive rates, fast approvals, and a dedicated Loan Officer for every client. You keep full control of your real estate business, while your clients get a smoother, faster experience.
You don't have to stop using your current lender — but not offering Direct Rate as an option means leaving money and client value on the table.
Not at all. Clients benefit from faster approvals, better communication, and smoother closings. Direct Rate handles all mortgage-related communication and compliance, giving your clients a seamless, concierge-style experience.