/ ABOUT — WHY "EQUAL"

The name is the business plan.

Mortgage shopping can be fragmented and opaque. We built HomeEqual to make program scope, assumptions, lender handoffs, and the role of licensed judgment easier to see—so every borrower starts with clearer information and an accountable path forward.

01 — THE PROBLEM

Mortgage pricing is fragmented. Borrowers can encounter different programs, processes, and terms depending on where they begin. We built HomeEqual to make scope clearer, comparisons more disciplined, and the handoff to a licensed professional unmistakable.

02 — THE MACHINE

We're a mortgage broker, not a lender. With your consent and after licensed review, we can route an eligible borrower and property profile to participating partner lenders. Any rate or term comes from a lender and remains subject to that lender's disclosures and underwriting.

03 — THE WELCOME

Our digital concierge is designed to explain the process in supported languages. When information becomes personal mortgage advice, borrowers can call or email a licensed professional directly. ITIN holders, the self-employed, gig workers, and retirees deserve a clear review—not a slogan or an instant verdict.

We measure success in keys handed over.

FIG. 01 — MOVE-IN DAY

/ THE LEDGER — WHAT WE OWE YOU

Six promises, in writing.

1.We are a mortgage broker, not a lender. We route eligible files to participating partner lenders after licensed review and consent.

2.If the math doesn't work, we say so — to your face, with the honest path forward.

3.Every language deserves clarity. The digital concierge explains; a licensed human advises.

4.Speed means removing avoidable friction, never skipping lender disclosures, documentation, or underwriting.

5.We explain how information is used and give borrowers a clear path to our privacy notice and consent terms.

6.Same welcome, equal-housing standards, and a review grounded in actual program scope.

50 STATES

BUSINESS-PURPOSE DSCR PROGRAM SCOPE

FL

CONSUMER-PURPOSE HOME LOAN SCOPE

SELF-SERVE

INFORMATIONAL DIGITAL CONCIERGE

=

CLEAR TERMS. EQUAL WELCOME.

/ ROOTS

Born in Florida.
Built for everyone.

Today we broker consumer home loans for Florida properties — the state we know street by street, flood zone by flood zone. Eligible business-purpose DSCR programs may be available nationwide through participating partner lenders; availability, approval, and terms vary by state, lender, borrower, and property.

Consumer home loansFLORIDA — TODAY

Eligible business-purpose DSCRNATIONWIDE · TERMS VARY

Questions about program scopeASK THE CONCIERGE →

LICENSED MORTGAGE BROKERAGE · NMLS #2813429 · LOANS MADE BY THIRD-PARTY PARTNER LENDERS · FULL DISCLOSURES

/ LEADERSHIP

PRINCIPAL BROKER + A GROWING BENCH

CHRIS HAYNESFOUNDER · NMLS #2132494

Led by a broker. Built for a team.

Chris Haynes founded HomeEqual to give borrowers and loan officers a clearer operating system: disciplined intake, explicit program scope, source-direct verification when requested, and a clean handoff to licensed judgment. The bench is growing. The standard is not moving.

CHRIS HAYNESNMLS #2132494

PARTNER-LENDER ROUTINGPROGRAM DEPENDENT

MULTILINGUAL DIGITAL CONCIERGEINFORMATIONAL

GET PRE-APPROVED ASK THE CONCIERGE FIRST

/ JOIN — LOAN OFFICERS

Bring your license.
We bring the machine.

SEE THE LO PLATFORM & CURRENT COMPENSATION DETAILS →

Every file runs through the same disciplined platform: structured intake, source verification when appropriate, program-scope review, lender routing, and multilingual digital support. You do the work that needs a human—advice, relationships, and closings.

01 — THE MACHINE

Structured intake, verification workflows, document routing, and multilingual digital support reduce avoidable paperwork.

02 — THE ECONOMICS

Competitive splits and a platform designed for broker-channel execution. Compensation and fee details are shared during the interview.

03 — THE STANDARD

Experienced oversight, a structured compliance workflow, and a clear-scope brand behind your name.

ONBOARDING — NO BOOTCAMP, NO SHADOWING, NO WAITING ROOM

DAY 1Begin sponsorship and platform onboarding. Access and production timing depend on required agreements, licensing steps, and approvals.

WEEK 1Your first file follows the complete workflow with experienced review: intake, documentation, eligible lender routing, disclosures, and borrower communication.

DAY 30+Build repeatable borrower follow-up, clean file discipline, and durable referral relationships.

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EVERYTHING WE NEED FROM YOU — ABOUT 10 MINUTES

              NMLS ID
              GOVERNMENT ID
              DIRECT DEPOSIT
            

THE SPONSORSHIP PAPERWORK IS OURS TO DO, NOT YOURS.

EARNINGS TERMINAL — SAMPLE MATHUSER-DRIVEN SCENARIO

FILES CLOSED / MONTH AT FULL RAMP{{ loFiles }}

AVERAGE LOAN SIZE{{ loAvgFmt }}

EST. MONTHLY — FULL RAMP

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EST. YEAR ONE

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RAMP CURVE — {{ loStageTag }}M1 → M6

SAMPLE ONLY — 1.40% AVG TOTAL COMP × 70% STARTING SPLIT · ACTUAL COMP SET AT INTERVIEW · NOT A GUARANTEE OF EARNINGS

          MODEL YOUR STAGE
          ILLUSTRATIVE ONLY
        

Choose the stage closest to you to update the sample ramp above. When you are ready to talk, email the recruiting desk directly—this page will never pretend a form was submitted.

EMAIL THE RECRUITING DESK →

INCLUDE YOUR NAME, CURRENT STATE LICENSES, NMLS ID IF LICENSED, AND A SHORT NOTE ABOUT YOUR EXPERIENCE. DO NOT EMAIL GOVERNMENT ID OR BANK INFORMATION.

Bring us the real question.

A few focused steps. Clear scope. Licensed review before any decision.

GET PRE-APPROVED ASK IN YOUR PREFERRED LANGUAGE