Calling All Realtors & Brokers: Unlock New Income Streams as an Overall Agent
Calling All
Realtors & Brokers:
Unlock New Income Streams with Pointer Ridge Capital
An Overall Agent is a Realtor who also earns active commissions on helping their clients obtain mortgages — plus passive income by recruiting and growing their team.
💰 Get paid when buyer loans close — just by submitting clients through your custom link.
🧠 No license? No problem. Start now and easily earn your mortgage license as you grow.
👥 Grow a team of agents and earn on funded deals across your network.
📋 No paperwork stress — the lending process is handled for you behind the scenes.
💰 Get paid when buyer loans close — just by submitting clients through your custom link.
🧠 No license? No problem. Start now and easily earn your mortgage license as you grow.
👥 Grow a team of agents and earn on funded deals across your network.
📋 No paperwork stress — the lending process is handled for you behind the scenes.
Want to see how simple the process is? Watch this video!
Why Realtors Become Overall Agents?
Why Agents Join Pointer Ridge Capital?
💰 Get Paid When Buyer Loans Close
Submit real estate buyers using your personalized link and earn 0.75% of the loan amount fund — no licensing required to start.
💰 Get Paid When Buyer Loans Close
Submit real estate buyers using your personalized link and earn commissions when loans fund — no licensing required to start.
🎓 No License? Start Now & Grow Into It Launch your earning potential immediately. When you're ready, we’ll help you take steps to become licensed and unlock even more opportunities.
👥 Build a Downline and Earn Overrides
Recruit agents and brokers under you, earn 0.25% on their funded loans, and grow a leveraged income stream! That's true passive income for you!
🎓 No License? Start Now & Grow Into It
Launch your earning potential immediately. When you're ready, we’ll help you take steps to become licensed and unlock even more opportunities.
👥 Build a Downline and Earn Overrides Recruit agents and brokers under you, earn on their funded deals, and grow a leveraged income stream.
📋 No Paperwork Headaches
You focus on people — the lending side is managed for you, so you don’t have to deal with loan structuring, underwriting, or backend processes.
📋 No Paperwork Headaches
You focus on people — the lending side is managed for you, so you don’t have to deal with loan structuring, underwriting, or backend processes.
Choose Your Agent Plan
Overall Agent Loan Origination Level
- Solo Originators
- Branded & Lead-Generating
- Real-Time Dashboard
- Full Access to Encompass®
- Live Coaching Webinars
- On-Demand Training Courses
- AI Email Writer & Tools
- Dedicated Point of Contact
- -
- -
- -
- -
- -
Branch Manager Edition
- Leaders & Team Builders
- Included
- Commission Dashboard
- Full Access to Encompass®
- Webinar Automation
- On-Demand Training Courses
- Advanced Email Marketing
- Dedicated Point of Contact
- Advanced CRM System
- Funnels & Websites
- Payments & Invoicing
- Reputation Management
- Analytics & Reporting
- Social Media Automation
Complete Package
- Leaders & Team Builders
- Included
- Commission Dashboard
- Full Access to Encompass®
- Webinar Automation
- On-Demand Training Courses
- Advanced Email Marketing
- Dedicated Point of Contact
- Advanced CRM System
- Funnels & Websites
- Payments & Invoicing
- Reputation Management
- Analytics & Reporting
- Social Media Automation
Real Estate Pro CRM
- All-in-one CRM with SEO Optimized Realtor Website, Blog, and List Funnels
- Full Featured CRM
- Complete Website
- Q&A Mondays
- Wednesday Marketing
- Friday Mastermind
📘 Important Things You Need to Know
🔍 Does HUD allow Realtors to earn commissions from both the sale of real estate and on the mortgage?
✅ Yes — as long as you're not directly involved in loan origination (e.g. underwriting or final loan decisions), you can earn compliant compensation for permitted services. This has been reviewed by Offit Kurman, Attorneys At Law and confirmed in a legal opinion.
1. What is the Overall Agent Program?
It’s a simple, flexible way for Realtors and brokers to generate income as marketing partners by driving funded loan activity and building a team — with no processing, underwriting, or paperwork required.
2. How do commissions work when I refer other agents?
You earn override commissions from agents in your network:
75 bps (0.75%) on loans from your own borrowers.
25 bps (0.25%) on loans from the borrowers of your recruited agents (1st level).
10 bps (0.10%) on loans from the borrowers of your 2nd level agents.
10 bps (0.10%) on loans from the borrowers of your 3rd level agents.
There’s no cap on how many agents you can add — your potential income grows as your team grows.
3. Who is this program ideal for?
It’s perfect for Realtors and brokers with real estate buyer leads who want to monetize those relationships without handling paperwork or underwriting.
4. Do I need to be a licensed mortgage loan originator to join?
No license is required to start. You can begin marketing to clients and earning commissions immediately. We’ll guide you through licensing if you choose to pursue other borrower types.