LO Referral Program

Your Clients Deserve a Reverse Expert.
You Deserve the Credit.

Don't leave reverse mortgage opportunities on the table. Our dedicated reverse division handles the complexity while you earn commissions — and your clients get the care they deserve. You matter.

Calculate Your Earnings → Meet Leif Potter
$0
Monthly Payments
62+
Min Age (55 Jumbo)
35%
Max LO Split
Three Ways to Partner With Us
1 · Referral Tier
10% of total comp
2 · Learning Tier
20% of total comp
3 · Partner Tier
35% of total comp
"Everyone matters. Every referral matters.
You matter."

Understanding the Product

What is a Reverse Mortgage?

A reverse mortgage is a home loan designed for homeowners age 62 and older 55+ for Jumbo that allows them to convert a portion of their home equity into tax-free cash — without selling their home or making monthly mortgage payments.

The loan is repaid only when the borrower sells the home, moves out permanently, or passes away. Unlike a traditional mortgage, the balance grows over time as interest accrues — but the borrower retains full ownership and can stay in the home for life.

This is one of the most powerful financial planning tools available to seniors, and it's a rapidly growing market that most LOs are leaving on the table. 10,000 Americans turn 62 every single day.

🏡

Keep the Home

Borrowers retain title and can stay in their home for life as long as it remains their primary residence.

💸

No Monthly Payments

No required monthly mortgage payments. Borrowers only maintain taxes, insurance, and upkeep.

🔒

FHA-Insured (HECM)

The most common reverse is FHA-insured, offering powerful consumer protections and non-recourse guarantees.

📈

Growing Market

10,000 Americans turn 62 every day. The reverse mortgage market is a massive and underserved opportunity.

Reverse Mortgage Product Types

Most Common · FHA-Insured · Age 62+
HECM — Home Equity Conversion Mortgage
The government-backed standard. Loan amounts tied to HUD's Maximum Claim Amount of $1,249,125. Compensation: 4–8 points.
Higher-Value Homes · Jumbo · Age 55+
Non-HECM / Proprietary Reverse
For homeowners with values above FHA limits. Eligible starting at age 55. Can access equity up to $4M+. Compensation: 3 points.
Purchase · H4P · Age 62+
HECM for Purchase (H4P)
Allows senior buyers age 62+ to purchase a new primary residence using reverse mortgage financing — one transaction, powerful tool.
Line of Credit · Flexible · Age 62+
Reverse Line of Credit
Access funds only when needed. The unused line grows over time — an excellent retirement planning tool even if the client doesn't need cash today.
Eligibility Requirements

Who Qualifies?

Identify the right client and let us do the rest. Here's what you need to know to spot a great reverse candidate in your book of business.

62+

Age Requirement

At least one borrower must be 62+ for HECM loans. Proprietary (Jumbo) reverse mortgages are available starting at age 55.

50%+

Significant Home Equity

Borrowers should own their home outright or have substantial equity. Existing mortgages are paid off from proceeds at closing.

1st

Primary Residence

Must be the borrower's primary residence. Eligible: single-family homes, HUD-approved condos, manufactured homes, 2–4 unit properties.

✓

Financial Assessment

Borrowers must demonstrate ability to maintain taxes, insurance, and upkeep. Income, credit, and residual income are reviewed.

📋

HUD Counseling (HECM)

All HECM borrowers complete a HUD-approved counseling session before applying. We help coordinate this process for your client.

🏠

Property Condition

Property must meet FHA minimum standards. Required repairs can typically be set aside from loan proceeds and completed post-closing.

Simple Process

How the Referral Works

You identify the opportunity. We handle the expertise. Everyone wins.

1

You Spot the Client

A client is 62+ (or 55+ for Jumbo), has equity, and asking about retirement income, eliminating payments, or buying a new home. That's your reverse signal.

2

You Make the Intro

Connect your client with Leif Potter, our reverse division leader. A warm introduction is all it takes — we handle everything from there.

3

We Handle Complexity

Leif's team manages the strategy call, product education, HUD counseling coordination, application, and fulfillment start to finish.

4

You Get Paid

When the loan closes, you receive your split based on your tier. Real compensation, minimal effort.

🤝

Your Client is Protected. Your Relationship is Protected.

We believe your client is YOUR client. Our reverse team supports you — not replaces you. Every reverse referral stays in the Partners family, and you'll be looped in throughout the process. Your relationship comes first, always.

Leif Potter — Reverse Division Leader
LP
📞 (714) 401-5678
✉️ leifp@arborfg.com
🌐 Partners Profile
🔗 LinkedIn

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 from start to finish. He understands that referring a reverse client is an act of trust — and he treats every referral accordingly.

Based in Southern California and licensed across multiple states, Leif is your dedicated partner for every reverse mortgage opportunity in your pipeline. When you introduce a client to Leif, you're not handing them off — you're leveling up their service.

NMLS# 20112 Reverse Specialist Multi-State Licensed 20+ Years Experience HECM Certified

Compensation Structure

Reverse Division Comp Plan

Choose your level of involvement. Choose your compensation.

Base Compensation HECM: 4–8 points · MCA $1,249,125
Non-HECM (Jumbo): 3 points · Age 55+
LO split calculated from total comp
Tier 1

Referral

Provide the name. Earn the check.

HECM
10%
Non-HECM
10%
→
Provide client's name and contact details only
→
Ideal for LOs focused on forward mortgage business
→
Leif's team handles everything from first call to close
→
Receive 10% of total comp at loan closing
Tier 2 · Most Popular

Learning

Engage, learn, earn more.

HECM
20%
Non-HECM
20%
→
Introduce client and join strategy call to review needs
→
Actively engaged and learning reverse fundamentals
→
Gain knowledge on client questions and loan structuring
→
Build toward full product mastery and higher splits
Tier 3 · Maximum Earnings

Partner

Full mastery. Full comp.

HECM
35%
Non-HECM
35%
→
Carry client conversations independently
→
Responsible for pricing and structuring accurate quotes
→
Guide clients through full process start to completion
→
Handle most client questions and common objections
→
All work conducted with team oversight and support
Income Potential

Calculate Your Commission

Adjust home value, borrower age, product type, and your tier to see exactly what you could earn. HECM loan amounts use HUD Principal Limit Factor (PLF) tables.

Loan Parameters

$600,000
72 years old

Your Comp Tier

2 loans/month

Your Earnings Estimate

Your Commission Per Loan
—
Select a tier
Est. Loan Amount (PLF)
—
Total Comp (Lender)
—
Your Split
—
Your Gross Commission
—
Monthly Potential
—
2 loans/month
Annual Projection
—
24 loans/year
* HECM loan amounts estimated using HUD PLF tables for borrower's age and current expected rates. HUD Maximum Claim Amount capped at $1,249,125 for HECM. Non-HECM/Jumbo amounts estimated at ~55% of property value. Illustrations only — actual results will vary. Not a guarantee of earnings.
Ready to Start?

Your Next Reverse Client is Waiting.

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

📩 Refer a Client to Leif 📞 (714) 401-5678