What is it?
    How does it work?
    What does it cost?
    How much can I make?
    Is now the right time?
    Why should I do this?

What is it?
  • Universal Mortgage Bankers is a Mortgage Banker operating in multi-states. 
  • The explosive growth that Universal Mortgage Bankers is experiencing is attributable to the philosophy of the company that the best loan officers would be attracted to the best pay-plan in the industry (Up to 95% of commission revenue)

How does it work?

Universal Mortgage Bankers was created based on the primary principles of:

  • The originating loan officer should be paid the majority of the revenue from the closed loan.
  • Technology is radically changing the mortgage origination process by keeping corporate overhead extremely low, clients get better rates and loan officers enjoy a competitive advantage in the marketplace.
  • By combining the hi-tech of the Internet with the hi-touch of building relationships one-on-one with their own clients, loan officers will enjoy increased job security and job satisfaction.


What does it cost?
  •  The Universal Mortgage Bankers business profile does not provide for hiring new, inexperienced loan officers.
  •  The cost of becoming an experienced, seasoned loan officer falls to each individual.
  •  The other costs associated with becoming a Universal Mortgage Bankers Loan Officer have to do with operating from  your own home office: a computer and printer, an internet service provider, various software  programs, a copier, telephone, fax machine --- in short, a contemporary home office equipped  with all the necessary machinery to operate in today's marketplace.

How much can I make?
    The income opportunity is awesome.

  •  The reason most mortgage lenders pay their loan officers so poorly is because of "Office and  Administration Expenses"
  •  Universal Mortgage Bankers reverses that entire cost/benefit ratio. Consequently, Universal Mortgage Bankers loan officers can make 2 to 3  times the amount of money per loan that "typical loan officers" make.

Is Now the right time?

          Well, that depends upon you --- How tired are you:

  • Of getting lousy commission splits, of having somebody else determine "when & how" you work, of not being paid what you are worth, of not setting your own work schedule, of not being your own boss.
  • Isn't it time that you be in charge of you and that you get paid the majority of the revenue from the loans that you originate.
  • Isn't it time that you get paid for your time and efforts.

Why should I do this?

     You should do this:
  • If you have the ability to think "Outside the Box"
  • If you have a vision of the future that includes having a lifestyle, not just a living
  • If you want to have more control over your career and your time
  • If having more time with your family is more important to you than office camaraderie
  • If you would like to originate loans outside of your own state
  • If you want the advantages of owning your own brokerage but without the hassles that go with it
  • If you want to make more money per loan
  • If you perceive that the mortgage industry is rapidly changing and that you will be far more competitive by operating with far less overhead
  • If you are tired of paying your commission revenue to have somebody else "supervise your activities"
  • If you are tired of paying your commission revenue to have somebody else "manage your career" 

          "In today's competitive marketplace, you have two choices --- you can lose or you can change"

           --- Lester Thuro,  Economist




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