Prepared exclusively for Kayla Tarabay

Kayla, here's what your
$23M looks like
in our branch.

You closed 53 loans and $23,082,564 in the last 12 months. We ran the numbers on exactly what that volume pays at our comp structure — and what the full infrastructure looks like behind it.

No vague promises. Just your actual numbers, your actual production, and a clear picture of what changes when you have the right team behind you.

Text Scott: (443) 567-9174Call Scott

Kayla's Last 12 Months · #2041653 · Novus Home Mortgage

$23M
Loan Volume
12 months
53
Loan Count
closed loans
$435K
Avg Loan Size
per file
21
Buyer Agents
unique agents
3.8+
Experience
years
Your Comp Breakdown

Here's exactly what your
53 loans pay you.

On correspondent, you can lock anywhere from 50 bps (0.50%) all the way up to 300 bps (3.00%). Go skinny to win rate-sensitive deals, or lock fat on the right borrower. You pay $695/file + 0.25% — that's it. Drag the slider to see how your lock price changes everything.

Correspondent Lock Rate Explorer

50 bps — Skinny / Competitive300 bps — Premium Lock
225 bps
2.25% lock
Premium Lock
Gross / Loan
$9,799
at 2.25% on $435,520
Your Net / Loan
$8,015
after $695 + 0.25%
Annual Net
$424,816
53 loans × $435,520 avg
Monthly Net
$35,401
at your current pace
Gross Revenue
$23,082,564 × 2.25% = $519,358
Your Cost
$57,706 (0.25%) + $36,835 ($695×53) = $94,541
Your Net
$519,358 − $94,541 = $424,816

What Growth Looks Like at 2.25%

You have 21 buyer agents. What happens when you add more — or those agents give you more deals?

ScenarioLoans/yrVolumeAnnual NetMonthly Net
Your Current PaceYou are here
53$23,082,560$424,816$35,401
5 Loans/Month
60$26,131,200$480,924$40,077
6 Loans/Month
72$31,357,440$577,109$48,092
7 Loans/Month
84$36,583,680$673,294$56,108
8 Loans/Month
96$41,809,920$769,478$64,123

Lock at 2.25% · 0.25% LO cost · $695 flat fee per file · $435,520 average loan size

You're already doing the work.
We give you the infrastructure.

53 loans. 21 buyer agents. 3.8 years in. You've proven you can produce. The question is: what happens when you have a full ops team, a dedicated processor, bi-weekly realtor playbooks, and a coaching system built around what's working right now?

Dedicated Processor
Virtual Ops Manager
Realtor Playbooks
TikTok Live System
50-State Referrals
Weekly Coaching
What You Get

Everything that comes
with the branch.

This isn't a coaching program you pay for separately. It's the full execution infrastructure — already built, already running — that comes with being part of the team.

Client Engine

Double your loan volume through proven strategies working in 2026

  • TikTok Live launch sprint (show concept, profile, first 5 lives outlined)
  • Weekly Live Packs — hooks, outlines, CTA scripts, captions
  • Content calendar with weekly posting plan
  • Up-to-date content ideas delivered multiple times a week (Trends, Green Screen stills, Green Screen Reaction Content, Skits, PSAs, Storytelling) — what's working right now and what you should be posting
  • All access pass to our Creator Academy — the exact blueprint That Mortgage Guy uses to generate hundreds to thousands of leads every month through video content on TikTok, Instagram, Facebook, and YouTube
Realtor Engine
  • Bi-weekly Realtor Playbooks — complete campaigns with outreach scripts and follow-up
  • Every playbook includes ready-to-send emails, texts, DMs, voicemail scripts, and short form video scripts — everything needed to get referrals from agents without writing a single word yourself
  • Personalized slide decks built in Canva to teach cutting edge classes to realtors
  • Keith and/or Scott as the credibility anchor on select agent Zooms and events
Deal Support
  • 181 lenders with searchable guidelines — instantly find the best placement for any loan scenario across every lender in the system
  • Lender pricer — price across lenders in real time to find the best rate for your client before you ever lock
  • Deal desk group — post any scenario and get fast answers from experienced mortgage professionals on structure, placement, and qualifying
  • Deep application questionnaire for discovery calls
  • Mortgage Coach software for presenting loan scenarios to clients and the blueprint for pre-approval Zooms
  • Free AI credit repair that repairs your clients' credit in real time
  • An ops team with 60+ combined years of mortgage experience to help solution any issue — deal structure, qualifying, reviewing income docs, running DU, all things ops handled in house for you
50-State Referral System
  • Out-of-state leads matched and closed with a vetted local loan officer
  • Full applications with docs collected and borrower pre-approved before handoff — for every state you are licensed in
  • Referral comp on every closed deal routed through the system
Rate & Market Intelligence
  • Weekly personalized rate site built around you — your name, your brand, your markets — with current rates and up-to-date market information your clients and referral partners can actually use
  • Personalized link in bio landing page connected to a full funnel that captures leads and drives them all the way through to a complete loan application
  • Link hub software — all key links organized and labeled for fast sending
Operations & Processing
  • Dedicated operations manager — handles day-to-day pipeline coordination and follow-up
  • Dedicated processor who submits your loan files and works all conditions start to finish
  • Optional LOA role for more support in transactions — pre-approval letters, fee sheets, running DU, chasing conditions, pricing loans, locking, disclosing — all things transactions
  • One system for all client documents from lead to fund — everything in one place, nothing lost, no chasing files
  • Standard Operating Procedures for over 400 mortgage business tasks — plus searchable software so you can find exactly what you need instantly
  • Mobile pre-approval software — instant pre-approval links to send realtors on the go
  • Template library — pre-approval emails, conditions checklists, agent update texts
Sales & Scripts
  • Custom Sales GPT trained on the world's top sales trainers — generate call scripts, objection handlers, and follow-up sequences on demand for any scenario
  • Access to Alex Hormozi's team, Russell Brunson's team, Tom Ferry, and many more multi-billion dollar entrepreneurs deployed into our businesses helping us refine on a weekly basis
Marketing & AI Intelligence
  • Weekly briefing on the most current marketing strategies and AI tools being used in the mortgage industry right now
  • AI agents deployed into your CRM building out and sending pre-screened custom messages based on the client profile — pre-approved buyer touches, past clients, Realtors, referral partners, cold leads, and more — automating client communications that actually get responses
  • Early access to what's working, what's emerging, and what to implement before everyone else catches on
Coaching & Community
  • Two calls per week — what's working now in the mortgage market, training, and live Q&A and hot seats
  • Eligibility for national referral leads generated by Scott's content
Next Step, Kayla

Ready to see what this
looks like for you?

One conversation with Scott. No pressure, no pitch — just a real talk about your numbers, your goals, and whether this is the right fit.

Text Scott: (443) 567-9174Call Scott

This page was prepared specifically for Kayla Tarabay · #2041653 · Novus Home Mortgage