The mortgage
opportunity.
Place loan originators with lender clients. Earn on every funded loan they produce. A flat rate, a hard cap, a clean split. Nothing buried in footnotes.
How you get paid.
A flat rate. A hard cap. A clean 70/30 split. Nothing buried in footnotes.
On every funded loan — any product, any transaction type. No blends, no carve-outs.
Cap binds at approximately $400K loan amount. Above that, the fee is flat.
$1,190 per loan at cap flows to you as Frontline Direct. The 30% funds the Downline Pool.
The second
income stream.
As you recruit Frontline Recruited Contractors (FRCs), their funded-loan production flows into a 7-Tier Pool you earn from.
Tiers 1–3 open from Day One. Tier 4 unlocks at 5 active FRCs. Tier 5 at 10. Tier 6 at 15. Tier 7 at 25.
At cap, $510 of every Contractor Fee flows through this pool — distributed only to Contractors who complete their quarterly Network Growth services.
Tiers 4–7 unlock progressively as your active FRC count grows. Locked tiers remain earned until unlocked.
Six ranks. One path.
Each rank unlocks deeper Downline Pool access. The top three also qualify for the End-of-Year Trip.
End-of-Year Trip qualification requires Director rank or above AND top 10% of the network by trailing-12-month Contractor revenue. Both conditions required.
Compete. Win.
Get recognized.
Co-Operate sponsors cash contests every month and every quarter — on top of your Contractor Fee. A real-time leaderboard keeps the network competing in public.
Recruiting Sprint
Top 3 by new QI placements each calendar month
Eligible: Builder rank and above.
Builder Challenge
Most new FRCs recruited in a calendar quarter
Winners featured across platform, newsletter, and social.
All contest prizes are paid via ACH and 1099-reportable. Contest rules are published 30 days before each period. Contestants must be in good standing and current on monthly retention services to receive prizes.
Two additional programs.
RAP and GCSP extend the core Contractor Fee architecture for specific scenarios — both layer on top of Standard, neither replaces it.
Retention Re-Assignment Program
For Qualified Individuals already placed at a Co-Operate lender client who want to be re-assigned to your downline. Economics mirror Standard exactly.
- Same economics as Standard — 42.5 bps / $1,700 cap / 70-30 split
- Retention Pillar from Day 1 — no Phase 1 Recruiting allocation
- Same N1–N4 gating — quarterly service cycle applies
Growth Co-Sponsorship
Two Contractors negotiate a co-sponsorship where a co-sponsor earns a share of incremental Frontline Direct above the target Contractor's trailing baseline.
- Co-sponsor takes 10–25% of incremental Frontline Direct only
- Above PMB threshold — Protected Monthly Baseline = trailing 3-mo avg
- Never touches the 30% — Co-Operate's Downline Fee is untouched
The hard truths.
Because you should never be surprised. All of this is explicit in your Contractor Service Agreement and the Governance & Requirements Document.