Partners Reverse Referral Program

Your clients have equity.
They have options.
You have Leif.

Don't let reverse mortgage opportunities leave your pipeline. Our dedicated reverse specialist handles every detail — senior expertise, FHA guidance, full compliance — while you earn commissions and keep the relationship.

See the Numbers
62+
HECM Age Min
55+
Jumbo / Proprietary
35%
Max LO Split
10K
Turn 62 Daily
Three Tiers · Choose Your Involvement
1 · Referral  —  Pass it over
10%
2 · Learning  —  Engage & earn more
20%
3 · Partner  —  Full mastery
35%
"Everyone matters. Every referral matters.
You matter."

The Opportunity

A market you're already
walking past every week.

The reverse mortgage market is one of the most underserved opportunities in residential lending. 10,000 Americans turn 62 every day — and most loan officers either don't offer the product or lack the depth to truly help senior clients navigate it confidently.

That's a problem. And an opportunity. Clients you currently can't serve — or worse, refer to a competitor — can stay in the Partners family.

"If a client is 62, has equity, and is asking about retirement income or eliminating payments — that's a reverse signal. Recognize it. Introduce Leif. Get paid."

Leif Potter is your reverse specialist. Refer the client, choose how involved you want to be, and earn at closing. No lost relationships. No complexity on your desk.

10K

Americans turn 62 every day

The largest sustained demographic wave in American retirement history — and most of them own homes with significant equity.

$1.249M

HUD Maximum Claim Amount (2025)

HECM loan amounts are now eligible up to $1,249,125 — a massive increase that opens the product to far more homeowners than before.

55+

Jumbo / Proprietary products start earlier

Non-HECM proprietary reverse products are available starting at age 55, broadening the eligible client pool substantially.

Who to Refer

Spot the signal. Make the intro.

You don't need to know the product. You only need to recognize the client. When any of these show up in your pipeline — that's Leif.

🏡

The Equity-Rich Senior

62+ homeowner with significant equity, asking about retirement income, eliminating their payment, or pulling cash without selling. Classic HECM candidate.

Signal: "I want to stay in my home"
📉

The Fixed-Income Borrower

Social Security-heavy income, no traditional employment, or high DTI that kills a conventional refi. A reverse has no monthly payment requirement — it's a different analysis entirely.

Signal: "I can't qualify for a refi"
🔑

The Downsizing Buyer (H4P)

Senior buyer who wants to purchase a new home without a traditional mortgage payment. HECM for Purchase (H4P) is one of the most underutilized tools in senior lending.

Signal: 62+ buyer, limited income
📈

The Financial Planner Client

Advisor-referred borrower using a reverse line of credit as a retirement planning tool — not because they need money today, but because an unused line grows over time.

Signal: advisor mentions reverse LOC
💰

The High-Value Property Owner

Home value above the HECM limit? Jumbo proprietary products go to $4M+ and are available starting at 55. These are high-comp files with no FHA cap.

Signal: property over $1.25M, age 55+
🤝

The "I Was Going to Refer Out"

The client you almost sent to another lender because you didn't have the expertise. Keep them in Partners. Refer to Leif instead — same result for the client, much better result for you.

Signal: any reverse inquiry

Simple Workflow

How the Referral Works

Four steps. Minimal effort on your part. Maximum care for your client.

1

You Spot the Signal

Client is 62+ (or 55+ for Jumbo), has equity, and is asking about retirement income, eliminating payments, or buying a new home.

That's your cue.
2

You Make the Intro

Connect your client with Leif — a warm intro by email, phone, or text. Take 30 seconds. Your relationship stays intact throughout the file.

30 seconds of effort.
3

Leif Handles Everything

Strategy call, HUD counseling coordination, product education, application, and closing — start to finish. You stay in the loop at every milestone.

You stay informed.
4

You Get Paid at Close

Your split lands based on your tier — 10%, 20%, or 35% of total lender comp. Real compensation for a real referral. No guesswork.

Earn what you deserve.
🛡

Your client is your client. Always.

Leif's job is to raise your client's experience — not replace you. Every reverse file stays inside the Partners family, and you're looped in throughout. Your relationship comes first, every time.

Compensation Structure

Pick Your Tier

The more you engage, the more you earn. Choose what fits your practice.

Base Compensation Reference HECM: 4–8 pts · MCA $1,249,125
Non-HECM / Jumbo: 3 pts · Age 55+
LO split = % of total lender comp
Tier 1

Referral

Provide the name. Earn the check.

HECM
10%
Jumbo
10%
→
Share client name and contact info only
→
Ideal for LOs focused on forward mortgage volume
→
Leif's team handles every step from first call to close
→
10% of total comp paid to you at closing
Tier 2 · Most Popular

Learning

Engage, learn, earn more.

HECM
20%
Jumbo
20%
→
Introduce client and join the initial strategy call
→
Actively engaged and building reverse knowledge
→
Learn structuring, product selection, and borrower conversations
→
Natural path toward full Tier 3 mastery
Tier 3 · Maximum Earnings

Partner

Full mastery. Full comp.

HECM
35%
Jumbo
35%
→
Carry client conversations independently
→
Price and structure accurate quotes with confidence
→
Guide clients through the full process start to completion
→
Handle most questions and common objections directly
→
All work conducted with Leif's team oversight and support
Leif Potter
📞 (714) 401-5678
✉️ leifp@arborfg.com
🌐 Partners Profile

Reverse Division Leader

Leif Potter
Branch Manager · Senior Mortgage Advisor
NMLS# 20112  ·  Partners Mortgage

Leif Potter leads the Partners Reverse Mortgage Division with nearly two decades of mortgage industry experience and a deep specialization in reverse mortgage products. As Branch Manager and Senior Mortgage Advisor at Partners Mortgage, Leif has built his practice on an elite network of referral partnerships and a genuine commitment to helping senior clients find financial solutions that change their lives.

Leif's approach reflects everything Partners Mortgage stands for: honest relationships, diligent execution, and an unwavering belief that every client deserves a "Wow" experience. He understands that referring a reverse client is an act of trust — and he treats every referral accordingly.

When you introduce a client to Leif, you're not handing them off — you're leveling up their service. Based in Southern California, licensed across multiple states, and available to your clients as a true extension of your team.

NMLS# 20112 Reverse Specialist Multi-State Licensed 20+ Yrs Experience

Income Estimator

Calculate Your Commission

Adjust home value, age, product type, and your tier to see exactly what a reverse referral puts in your pocket — and what a pipeline of them looks like annually.

Loan Parameters
$650,000
72 years old
Your Compensation Tier
2 loans / month
Your Earnings Estimate
Commission Per Loan
—
Select a tier above
Est. Loan Amount (PLF)
—
Total Lender Comp
—
Your Split
—
Your Gross Commission
—
Monthly Potential
—
2 loans/mo
Annual Projection
—
24 loans/yr
* HECM amounts estimated using HUD PLF tables. MCA capped at $1,249,125. Jumbo estimated at ~55% of value. Illustrative only — not a guarantee of earnings.

Ready to Start?

Your Next Reverse Referral
Is Already Waiting.

Don't let another opportunity leave your pipeline. Connect with Leif today and start turning equity into income — for your clients, and for you. You matter.

📞 (714) 401-5678