Become a LOORMAX OVERALL AGENT TODAY 1

Find out how you can automatically add additional income streams to your bottom line. Unlock a world of financial opportunity. Earn mortgage commissions on every sale, double your listings and sales and secure up to a $1M funding credit line to confidently purchase your next investment property while finally enjoying residual income month after month !

With the proper training, tools and techniques...

Unlock Your Potential

Join our exclusive Real Estate Wealth Community and unlock a world of opportunity. Enjoy the freedom and flexibility that comes with our fully automated income system. Take the first step towards a more prosperous future in real estate.

Discover the Benefits -

Get compensated on the borrowers mortgage
Earn multiple streams of income with our unique revenue model
Leverage our automated marketing tools to acquire a constant flow of qualified leads and prospects
Acquire up to a $1M funding credit line to confidently purchase your next investment property.
Receive comprehensive training, coaching, and ongoing support to help you succeed

Eligibility and Requirements

Our program is open to real estate agents, investors, residential home builders, financial advisers and other professionals involved in the real estate industry. No real estate license is required to participate. Simply sign up and start earning additional income from your real estate activities.

Thank You for helping place Business Purpose Loans for myself and clients as well. Also thank you for the opportunity to become a part of your mortgage company, I am looking forward to a long lasting rewarding and lucrative partnership!

Amber Singleton, California Real Estate Broker

I have been working with and referring my clients to Phill & Chris for several years and always find them to be very responsive and professional. They always provide the answers and the help my clients require as it pertains to structuring the mortgage transactions making it possible to acquire ...

____ Dennis Kelly, Financial Advisor Philadelphia, PA

What else can I say but that Chris DiCristo is a Master in his Profession. Not only does he know all facets of lending in various forms and formats, but he also knows all levels of real estate, development, zoning, variance, rules/regulations on both the state and government levels. Chris also teaches continuing education courses for mortgage and real estate professionals...

____ Maria DiVentura-Cronin, NJ Real Estate Salesperson & Real Estate Investor/Rehabber

GET INSTANT ACCESS TO

THE OVERALL AGENT

INCOME SYSTEM

AND START EARNING MULTIPLE STREAMS OF INCOME, BUILDING AN INVESTMENT PORTFOLIO WORTH MILLIONS AND BUILDING YOUR TEAM OF LIKE MINDED REAL ESTATE PROFESSIONALS WITH THE POTENTIAL OF EARNING THOUSANDS OF DOLLARS A MONTH IN RESIDUAL INCOME

START TODAY FOR JUST $1

FOR THE FIRST 90 DAYS

This comprehensive system will help you elevate your earnings potential doing little to no additional work than you are already doing!

AFTER 90 DAYS

$97/M

AND EARN OVERRIDES FROM BUILDING AND MANAGING YOUR TEAM

Proprietary and personal mortgage origination website
Proprietary and personal team recruiting website system
Private community membership site
Personal commission dashboard system
Ongoing coaching webinars
Ongoing online courses
Live meetings and educational courses
Mortgage Product Brochure Creator
Your Own Special Point of Contact
and so much more...

MULTIPLE INCOME STREAMS - Personal and Residual

75 Basis Points (.75%) per personal deals that you originate.
25 Basis Points (.25%) per team deals that you receive override commissions on Level 1 and Level 2 Recruits.
12.5 Basis Points (,125%) per team deals that you override on your Level 3 Recruits.

Hypothetical example: (results vary and this is not indicative of foreseeable results)
- *As of December 2023, the average mortgage loan amount in the United States was $329,854,. (Google AI, July 30, 2024)

JOIN OVERALL AGENT

Financial Disclaimer

The financial outcomes and results achieved by our clients can vary significantly. While some individuals may experience excellent results, these should not be regarded as typical or guaranteed. Various factors, including individual circumstances, market conditions, and adherence to our recommended strategies, influence financial results. Past performance is not indicative of future results. We do not provide any guarantees or assurances regarding specific financial outcomes or returns. Clients should conduct their own due diligence and consult with a professional advisor before making any financial decisions.

Who is Loormax Lending?

Loormax is your direct mortgage banking powerhouse. At Loormax, we are unwavering in our commitment to securing the best rates and terms for our borrowers, navigating the complexities of today’s fluctuating real estate and mortgage landscapes with precision and expertise. Founded in the wake of the 2008 economic downturn, Loormax Lending Center emerged in response to significant changes in the industry. Following the introduction of the Dodd-Frank Act by the Obama Administration in 2010, which imposed strict borrowing limits based on debt-to-income ratios, many potential homeowners found themselves unable to qualify for loans. This regulatory environment inadvertently depressed the housing market further. However, the landscape began to shift in 2012 with the advent of Non-Qualified Mortgages, designed to assist those deemed non-eligible under Dodd-Frank. The scenario improved significantly in 2017 when President Donald Trump enacted legislation easing certain restrictions, thereby rejuvenating community banks and broadening lending opportunities for a wider spectrum of American consumers. This legislative change led to the creation of innovative, tailored mortgage products that cater to the unique financial needs of individuals, enabling more consumers to buy and refinance homes. Loormax Lending is steered by two seasoned Marines, partners for over three decades, boasting a combined 50 years of real estate and mortgage experience. Observing these market transformations, they resolved to establish what is now the premier A-Z mortgage company in the nation. Loormax guarantees a comprehensive suite of mortgage options, ensuring that anyone looking to finance real estate purchases or refinances receives a resounding "YES, You Are Approved!" Today, Loormax Lending proudly offers an extensive portfolio of mortgage products including conventional, FHA, VA, USDA, first-time homebuyer loans, and more. From zero-down payment options to jumbo loans, self-employed borrower solutions, and even hard money lending, our offerings are as diverse as the dreams of our clients. For investors and commercial clients, we provide specialized loans for apartment complexes, office buildings, shopping centers, and beyond. We've also streamlined the mortgage application process with our user-friendly online pre-approval system. Apply online and receive pre-approval in 24 hours or less, simplifying your journey toward home ownership. At Loormax Lending, what matters most is YOU. We are dedicated to empowering our clients to achieve their real estate aspirations. Click the 'Apply Now' button to get prequalified for the mortgage that best suits your financial needs. Join the Loormax family—where your success is our success. Let’s make your real estate dreams a reality.

Who Can Use This System?

QUESTION: How is Overall Agent legal pursuant to HUD regulations and RESPA when sharing commissions from mortgage origination with non-licensed individuals?

Answer: The legality of sharing commissions from mortgage origination with non-licensed individuals under HUD regulations and the Real Estate Settlement Procedures Act (RESPA) is a common concern. Overall Agent ensures compliance with these regulations through the following practices:

RESPA Compliance: RESPA prohibits kickbacks, referral fees, and unearned fees in connection with the provision of settlement services in federally related mortgage loans. Overall Agent complies with RESPA by ensuring that all payments are made for actual services rendered and are not disguised referral fees. The compensation structure is carefully designed to ensure that payments are only made for legitimate services related to the mortgage process.
HUD Regulations: The Department of Housing and Urban Development (HUD) enforces RESPA and provides guidance on what constitutes permissible and impermissible activities. Overall Agent adheres to HUD regulations by ensuring that any sharing of commissions is tied directly to bona fide services provided. Non-licensed individuals are compensated for their contributions to marketing, administrative support, and other non-mortgage origination activities, which are permissible under HUD guidelines.
Clear Separation of Activities: Overall Agent maintains a clear separation between activities that require a mortgage license and those that do not. Non-licensed individuals are not involved in any aspect of mortgage origination, such as negotiating loan terms, offering loan programs, or advising on loan products. Instead, they provide support services that do not require licensing, ensuring compliance with both RESPA and state licensing laws.
Detailed Documentation and Transparency: Overall Agent ensures that all transactions and compensation arrangements are well-documented and transparent. This documentation includes clear agreements outlining the nature of services provided by non-licensed individuals and the corresponding compensation. This transparency helps demonstrate compliance with HUD regulations and RESPA, ensuring that all parties are fully aware of the terms and conditions.
Legal and Regulatory Oversight: Overall Agent regularly consults with legal and compliance experts to ensure that its practices remain in line with current laws and regulations. This ongoing oversight helps to identify and address any potential issues proactively, ensuring that all operations are legally sound.

In conclusion, Overall Agent operates legally under HUD regulations and RESPA by ensuring that all compensation to non-licensed individuals is for bona fide services rendered and not for referral or unearned fees. By maintaining clear boundaries between licensed and non-licensed activities and ensuring full transparency, Overall Agent upholds the legal and ethical standards required in the mortgage industry.

Change in HUD Law Now Allows Real Estate Agents & Investors to Receive Mortgage Commissions on Every Sale !

With the proper training, tools and techniques...

MULTIPLE STREAMS OF INCOME $$$ ARE POSSIBLE WITH NO MORTGAGE LICENSE REQUIRED!!!

Unlock Your Potential

Join our exclusive Real Estate Wealth Community and unlock a world of opportunity. Enjoy the freedom and flexibility that comes with our fully automated income system. Take the first step towards a more prosperous future in real estate.

Amber Singleton, California Real Estate Broker

____ Dennis Kelly, Financial Advisor Philadelphia, PA

____ Maria DiVentura-Cronin, NJ Real Estate Salesperson & Real Estate Investor/Rehabber

GET INSTANT ACCESS TO

THE OVERALL AGENT

INCOME SYSTEM

AND START EARNING MULTIPLE STREAMS OF INCOME, BUILDING AN INVESTMENT PORTFOLIO WORTH MILLIONS AND BUILDING YOUR TEAM OF LIKE MINDED REAL ESTATE PROFESSIONALS WITH THE POTENTIAL OF EARNING THOUSANDS OF DOLLARS A MONTH IN RESIDUAL INCOME

START TODAY FOR JUST $1

FOR THE FIRST 90 DAYS

AFTER 90 DAYS

$97/M

AND EARN OVERRIDES FROM BUILDING AND MANAGING YOUR TEAM

Financial Disclaimer

Who is Loormax Lending?

Who Can Use This System?

Real Estate Agents

Real Estate Investors

Builders & Financial Advisors

QUESTION: How is Overall Agent legal pursuant to HUD regulations and RESPA when sharing commissions from mortgage origination with non-licensed individuals?

Change in HUD Law Now Allows Real Estate Agents & Investors to Receive Mortgage Commissions on Every Sale !

With the proper training, tools and techniques...

MULTIPLE STREAMS OF INCOME $$$ ARE POSSIBLE WITH NO MORTGAGE LICENSE REQUIRED!!!

Unlock Your Potential

Join our exclusive Real Estate Wealth Community and unlock a world of opportunity. Enjoy the freedom and flexibility that comes with our fully automated income system. Take the first step towards a more prosperous future in real estate.

Amber Singleton, California Real Estate Broker

____ Dennis Kelly, Financial Advisor Philadelphia, PA

____ Maria DiVentura-Cronin, NJ Real Estate Salesperson & Real Estate Investor/Rehabber

GET INSTANT ACCESS TO

THE OVERALL AGENT

INCOME SYSTEM

AND START EARNING MULTIPLE STREAMS OF INCOME, BUILDING AN INVESTMENT PORTFOLIO WORTH MILLIONS AND BUILDING YOUR TEAM OF LIKE MINDED REAL ESTATE PROFESSIONALS WITH THE POTENTIAL OF EARNING THOUSANDS OF DOLLARS A MONTH IN RESIDUAL INCOME

START TODAY FOR JUST $1

FOR THE FIRST 90 DAYS

AFTER 90 DAYS

$97/M

AND EARN OVERRIDES FROM BUILDING AND MANAGING YOUR TEAM

**Financial Disclaimer**

Who is Loormax Lending?

Who Can Use This System?

Real Estate Agents

Real Estate Investors

Builders & Financial Advisors

QUESTION: How is Overall Agent legal pursuant to HUD regulations and RESPA when sharing commissions from mortgage origination with non-licensed individuals?

Financial Disclaimer