SEE WHY MORE LO'S ARE JOINING THE REDUCED FEE MORTGAGE TEAM!!!The most innovative brand in the mortgage industry!

Reduced Fee Mortgage (and our DBA, Veteran's 1st Home Loans) is a quickly growing company who is taking our Loan Originators to the next level.

Reduced Fee Mortgage (and our DBA, Veteran's 1st Home Loans) is a quickly growing company who is taking our Loan Originators to the next level.

The ownership and upper management know exactly what it takes to be a top producing loan originator and have the platform for you to climb quickly to the next level, whether you are doing $20,000,000 a year or $50,000,000 a year right now.

RFM's workflow and support systems are dialed in on every level to help propel your loan origination career fast forward.

Here are just a few reasons why RFM LO's have a distinct advantage over other companies:

  •  Your rates won't be beaten
  • More financing solutions for your clients (Every product under the sun)
  • Commission splits that are unreal (you keep all the revenue minus a nominal flat fee per file)
  • Choose your Investor/Underwriter and change mid transaction if you want to

RFM PRODUCT ADVANTAGES (just to name a few)

  • RFM DPA– Down payment assistance programs (100% financing) that the client doesn't pay back!
  • Bank Statement Programs to 90% LTV (for self-employed)
  • FHA and VA down to a 500 score
  • Stated Loans to $3,000,000
  • Jumbo rates that are unbelievable
  • NO DOC Programs (for investors) to buy or refi up to 20 rental properties (even for 5-8 unit properties!)
  • Reverse Mortgages (for refi or purchase)
  • Construction “One Time Close”
  • JUMBO's for Non-Permanent Residents up to 90% LTV up to $1.5M Loan Amount!
  • If there is a product we don't have, we will get it for you! Just ask.


  • Loan Partners that collect all of your documents and move your loan to processing for you
  • Dedicated Disclosure desk that registers, locks and discloses all of your loans
  • Dedicated Account Executive Support to help you with anything and everything
  • Dedicated Underwriting hotline for fast, real-time underwriting answers
  • Marketing support
  • Systems support
  • Training Videos on everything you ever wanted to see
  • Lender/Scenario support
  • Human Resources support
  • Payroll/Accounting support
  • On-boarding support


  • High level weekly coaching (free of charge to our LO's) to help you hit levels you never thought possible
  • Learn from some of the top LO's in the business (one of our coaches closed 952 loans for $321,000,000 last year)
  • Team building coaching and hiring resources (we will literally help you add the right people to your team to close more loans without working more hours).


  • Insane Loan Officer Commission Splits (avg is 237+ basis points per transaction on 2.75 LPC)
  • Branch Manager opportunities with a full P&L
  • Retirement Revenue – Continues after you retire from RFM


  • Fully automated marketing to consumers
  • Fully automated marketing to referral partners
  • Fully automated processing (speeds to make your head spin)
  • Full integration with online portals and Day 1 Certainty
  • Turn-Key websites and online applications ready to go


  • Full suite of turn-key platforms, marketing & support ready Day 1
  • Fully integrated and fully automated CRM systems
  • Custom Videos and Flyers ready Day 1
  • Entire suite of social media marketing platforms
  • So many things to discuss here… let’s schedule a Zoom meeting!


  • True A-Z processing (submit at purchase contract and forget it – your team handles the rest)
  • You no longer have to chase down your documents or conditions
  • Processors and Loan Partners are COMMISSIONED ONLY and based on speed (they are motivated)
  • Fully automated processing systems that dramatically speed up the process
  • Fully automated processing systems that keep you and your partners in the loop 24/7


  • Stop losing deals to rates (your customers are leaving even if they don’t tell you)
  • Stop turning down clients that could have qualified if you had the right programs
  • Stop saying no to self-employed clients that cannot show tax returns
  • Stop saying no to clients down to a 500 credit score
  • Stop tolerating subpar performance from your Underwriters and Processors (through the refi boom we still had 1 DAY turn times!)


  • Generating new business and referral partners (we coach heavily to help you with this)
  • Pre Qualifying clients
  • Product/Guideline knowledge and familiarity
  • Structuring Loans to best serve your client's financial needs


  • Must be a licensed MLO with NMLS.


  • Medical (multiple plans to choose from)
  • Dental
  • Vision
  • 401k
  • Residual Income Opportunities
  • Legal Service
  • Work remotely

Reduced Fee Mortgage, Inc.
NMLS 1974130
19950 Dodd Blvd, Suite 102, Lakeville, MN 55044 | 952-222-1390

Currently licensed in Colorado, Florida (License/Registration#: MBR4157), Michigan (License/Registration#: FL0022860), Minnesota (License/Registration#: MN-MO-1974130), South Carolina, Texas, Virginia (License/Registration#: MC-7447), and Washington (License/Registration#: MB-1974130)
NMLS® Consumer Access

Best Mortgage Brokers in Saint Paul
Equal Opportunity Housing
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