Strategic Alliances
Partnering
your way.
A partnership built for real estate leaders who already have loan officers —
and want them working somewhere that pays, supports, and documents them properly.
01
Who this is built for
You run the brokerage.
The loan officers are already yours.
The situation
You have originators in or around your
office. Their production runs through somebody else's shop, on somebody else's terms, and you
see none of it.
The usual answer
A referral relationship. You send
business one direction and hope the service, the pricing and the loyalty come back.
What this is instead
A documented business-to-business
alliance where you choose the structure, see the numbers, and can be compensated for the growth
you actually create.
02
Why these partnerships usually fail
You've probably been here before.
Unreliable
Promises made in a meeting that nobody
wrote down and nobody kept.
Inequitable
One side carried the cost and the other
side carried the upside.
Terminated
Ended without warning, usually right after
it started working.
Static
One rigid arrangement that never adapted as
your business changed.
03
The philosophy underneath
Born from one word:
truth.
Truth, freewill and creation are what
this company believes. Transparency, empowerment and ownership are what that turns into for the
people who partner with us — and every structure on the following pages is one of those three,
made concrete and written down.
04
What you're partnering with
Three pillars. The same three we promise borrowers.
From truth
Transparency
You always know exactly where you stand
Your alliance's production and revenue are reconciled to real accounting and handed back
to you — not reverse-engineered from a spreadsheet somebody keeps privately.
From freewill
Empowerment
Real technology that puts you in control
Pricing, program matching, CRM and reporting are written in-house and shipped
continuously — not licensed, not white-labelled, not waiting on a vendor's roadmap.
From creation
Ownership
Extreme accountability — we own it with you
A real operations team carries conditions so your originators spend their day originating
instead of chasing paper. Licensing, compliance and onboarding are carried for them.
05
Decision one
What will the business-to-business
relationship be?
This is the company-to-company layer: how your brokerage and CLEAR work together.
It is separate from, and decided before, anything about individual people.
06
The B2B toolbox
Ten ways to structure it. Combine as many as fit.
Lead purchase agreements
Office desk rentals
Co-marketing arrangements
Direct-to-consumer mortgage buyer leads
Co-event hosting
Event sponsorships
Coaching
Joint mailers
Dedicated mortgage support staff
Closing gift contributions
Your new ideas
If it can be structured compliantly,
we will build it. The question we start every one of these conversations with is
"how do we find creativity within compliance?"
07
The guardrails
Every method comes with its own written procedure.
Documented
Each alliance method has its own
compliance policy and procedure that governs how it is executed. Nothing runs on a handshake.
Combinable
More than one method may be used inside the
same relationship, and the mix can change as the partnership grows.
Disclosed
Transparent production and revenue data is
provided to the strategic ally — that is a term of the arrangement, not a courtesy.
08
Decision two
What will your relationship
to us be?
Employment comes with commitment, requirements and accountability. The honest
question is not how much you can earn — it's how much you want to take on.
09
Three options
Pick your level of involvement.
Option 1
STRATEGIC ALLIANCE ONLY
Option 2
GAP MANAGER
Option 3
BRANCH MANAGER
Employment
Not an employee
Hourly position
Hourly + override
MLO license
Not required
Not required
Required
Compliance
None added
Additional
More additional
Meetings
None added
Additional
More additional
Accountability
None added
Additional
More additional
Responsibilities
None added
Additional
More additional
Compensation
No salary, no override
Hourly, no override
Hourly and override
10
If you have loan officers
Most brokers-in-charge
belong in Option 3.
You already carry people. Option 3 is the only structure that pays you for
carrying them — an hourly position plus a commission override on the branch you lead. It is
also the only one that asks you to hold an MLO license and take on real supervisory duty.
Option 1 exists for the broker who wants the alliance
and none of the obligation. That's a legitimate answer, and it stays available.
You get
Hourly compensation, a commission override
on branch production, and the CLEAR operations and technology stack behind every file.
You take on
An MLO license, added compliance
obligations, added meetings, and accountability for the originators under you.
Pending — internal
The GAP Manager and Branch Manager
role documents are being supplied. Duties, hourly band and override terms land here once
they're in hand.
11
Clear.Life Recruiting
A second income stream —
when the model works for you.
Introduce growth opportunities to originators you know. When they're hired and
produce, you're compensated on that production. Share your success, and get paid for it.
12
How the recruiting compensation actually works
A published base rate, ten levels, and volume that compounds.
01The Max100 Rate is a baseline compensation rate in basis
points, published by the company. Every participant's rate is a fixed percentage of it.
02Ten comp levels, named for their percentage of that
base — Comp 10 through MAX100. You start at Comp 10 and climb.
03Each level is earned per $100 million of cumulative
qualified volume originated by the loan officers in your downline.
04Two tiers. Volume from originators you recruited
directly pays your full rate. Indirect volume pays the difference between your level and theirs —
which is why the blended number is lower than the headline, and why the model is sustainable.
05Compensation is always a predetermined fixed percentage
multiplied by the total loan amount. Never a function of a loan's terms.
13
Read this part carefully
This was built to survive a compliance review.
MLO Compensation Rule
An originator's own personal
volume is excluded from their cumulative qualified volume. Nobody is paid through this platform
on loans they personally originated.
No shadow org chart
Position in the recruiting
platform has no bearing on actual authority in the business. Your real reporting line and your
platform position are separate by written term.
Fixed, not variable
Every calculation is a fixed
percentage of total loan amount. Compensation never moves with rate, points, or any other
term of a transaction.
Any similarity between platform position
and real management authority is expressly coincidental and stated as such in the agreement. We
put this slide in front of you on purpose — it's the question a good broker-in-charge should ask,
and we would rather answer it before you do.
14
What it can compound into
The ten-year picture.
3
originators added per year, with each
person in the network adding one every other year
340
total loan officers in the network by
year ten, direct and indirect combined
$5.7B
cumulative qualified volume across
that network over the ten years
Held back until confirmed
The dollar figures from the 2025 deck are not reprinted here. The Max100 Rate is published by
the company and may change over time, and the old table's year-one line does not reconcile to
the current agreement. This slide gets its numbers once the current published rate is confirmed
— not before.
15
Empowerment, made specific
What your originators plug into on day one.
Loan origination + point of sale
Our own LOS and
borrower-facing POS, written in-house and shipped continuously. One login reaches every system.
ClearEquity
A live read on a homeowner's equity
position, so your originators and your agents can see opportunity in a database instead of
guessing at it.
Program matching
A borrower matched to real programs
against live pricing in seconds — including down payment assistance most shops never quote.
Marketing tooling
Co-branded materials, campaign
assets and reporting built for the agent-and-originator pair, not for one side of it.
Verify before this ships
Confirm what is live versus in progress and label each one accordingly — we tell recruits
exactly that, and a broker will hold us to the same standard.
16
The process
Six steps from this conversation to a signed alliance.
01This presentation — an overview of the program, with
no obligation attached.
02Sign the Strategic Alliance non-disclosure agreement,
so we can show you real numbers.
03Complete the Strategic Alliance Transparency (SAT)
agreement — this is where you choose which methods the partnership will use.
04Follow the compliance procedure for each method you
selected in the SAT.
05Complete the correct Clear.Life Recruiting contract —
employee addendum, or outside contractor.
06Onboard, if the structure you chose includes
employment.
17
Meeting your goals
What are your
priorities?
What are your goals inside a mortgage partnership — and what involvement, time and
energy do you actually want to commit to one? We build the structure around that answer.
One-on-one calls are being set now.
18