About Us

Are You Ready To Grow Your Branch?

Be an Affiliate & Experience the Flat Fee Branch

$2500 for as many loans as you can close in a month.

Transparent and Simple Fee Structure

Join the Obsidian Financial Services Affiliate Branch Program and benefit from a straightforward fee structure. Pay a flat fee of $2,500 per month, allowing you to close as many loans as you can within that period.

Dedicated Earnings Management

We arrange a dedicated checking account for all your earnings, including overrides and bonuses, ensuring your finances are streamlined and organized. You have the flexibility to set your lender compensation on every deal, empowering you to maximize your earnings.

Unmatched Earning Freedom

Experience true financial freedom with Obsidian Financial Services. Our program ensures that you and your Loan Officers receive the compensation you deserve, all for a single flat fee. Enjoy the peace of mind that comes with no hidden fees or unexpected expenses, allowing you to focus on growing your business and achieving your goals.

THE AFFILIATE BRANCH PROGRAM

Exclusive Flat Fee Broker Program!

Unlock a world of benefits:

Flat Fee Freedom: Pay a flat fee of $2,500 and close as many loans as possible each month.
Effortless Financial Management: We set up a dedicated checking account for all your earnings, including overrides and bonuses.
Direct Fund Access: Receive funds directly to your business account via wire or checks from title companies.
Flexible Compensation: Pay your loan officers at your convenience using a customized comp plan. For example, set up your loan officers at 250 BPS and lock loans on the mini-corr channel at 350 BPS, allowing you to retain 100 BPS.
No P&L Hassles: Forget about P&L complexities; use your funds as you see fit. It’s your money, and we respect that.
Tailored Margins and Locks: Utilize your own Loan Sifter to set up margins and locks according to your unique needs.
Cutting-Edge Software: Leverage our state-of-the-art LOS software (LendingPad) to control what your loan officers can and can’t see.
Extensive Lender Network: Choose from over 100 lenders for broker or Mini-Corr (RAW PRICING) options, ensuring a constant avenue to close your loans. If that doesn’t suit, utilize the Delegated channel with an impressive 98% closing ratio.
Diverse Loan Programs: Enjoy 100 BPS Lender Paid on the mini-corr channel for various loan programs, including Const/Perm, 203K, Manufactured, Reverse, DPA Programs, and Non-QM Loans.
Tax Flexibility: A 1099 option is available in most states, and in states requiring a W2, only a small portion is necessary.
DBA Support: Maintain your company’s identity with the use of DBAs, allowing you to continue using your existing company name.

Experience the Unmatched Benefits of the Mini-Corr./Non-Delegated Program in Our Affiliate Program:

Raw Pricing Advantage: Mini-Corr. offers raw pricing—a unique feature not available in any other Affiliate Program.
Lender Compensation Flexibility: Set up your Lender Comp with each loan in Mini-Corr., eliminating the need for quarterly setups.
Obsidian Confidentiality: Close transactions in the name of Obsidian, ensuring that Lender Comp remains undisclosed to the borrower.
Versatile Loan Options: Mini-Corr. supports CONV/VA/FHA/REVERSE mortgages, making it particularly significant for REVERSE mortgages.
FHA Approval: Yes, you read it right! We are approved for FHA loans. HUD #00392-000-4 Full Eagle.

In Addition, Delegated Lender Ginnie Mae Approved:

Speedy Closings: Close loans in less than 10 days consistently.
No Overlays Advantage: No overlays mean you can close more loans without unnecessary restrictions.
No Repurchase Agreements: After 6 months, there are no repurchase agreements, and no buybacks if the loan isn’t purchased by the investor. You’re only responsible for cases of fraud or misrepresentation.
Direct Underwriter Access: Communicate directly with the underwriter, who will assist in structuring the loan to ensure a smooth closing, particularly crucial for considerations like income, DTI, and credit.
Credit Repair Support: Our third-party credit repair company collaborates with the underwriting team, guaranteeing loan approval over 90% of the time.
Competitive Rates: Enjoy competitive rates in line with industry standards. Ginnie/Fannie Mae approval ensures an experienced Loan Officer can attest to the importance of having ZERO OVERLAYS!

We welcome Mortgage Originators, regardless of whether you’re closing one loan a month. Unlike other approaches, we don’t believe in fighting for a lifestyle; our company owners are Mortgage Originators just like you. We understand the challenges you face in today’s market and empathize with your efforts. To ensure that even those closing on an average of one loan a month can maximize their compensation plan, we’ve introduced a unique solution—charge a flat fee and keep 100% of the comp.

For Loan Officers:

Partner with a Wide Range of Lenders

Collaborate with over 100 approved lenders in the broker channel.
Benefit from a flat fee of $1295 or 10% of the closing check, whichever is greater, per file, enabling you to earn the full compensation of 2.75%.
Experience raw pricing in the Mini-Corr. channel, allowing you to receive full front and back compensation.
Access various loan programs like 203K, DPA, Construction to Perm, Doctor Loans, Non-QM (earning up to 300 BPS) in the mini-corr. channel.
Choose between 1099 or W2 status.
Receive dedicated support from a Territory Manager for mentorship and business growth.

Mini-Corr Advantage:

Maximize Your Earning Potential

Act as a lender in the Mini-Corr. channel—submit to your preferred lender without a set comp plan.
Enjoy raw pricing, a feature not offered in any other Affiliate Program.
Set up your Lender Comp with each loan in Mini-Corr., eliminating the need for quarterly setups.
Close transactions in the Obsidian name, with Lender Comp remaining undisclosed to the borrower.
Explore various mortgage options, including CONV/VA/FHA/REVERSE, with special emphasis on REVERSE mortgages.
Yes, you read it right! We are approved for FHA loans on Mini-Corr.
Join us, and regardless of your monthly loan volume, take control of your compensation and elevate your lending experience.

Navigating the Market with Integrity:

Combatting Falsehoods and Deception

In today’s competitive market, there’s a proliferation of individuals willing to resort to falsehoods and deception to undermine potential threats to their interests. Misinformation, including outright lies, is often disseminated to maintain their standing.
One prevalent falsehood involves companies claiming to be HUD approved when they can only operate as brokers. To verify a company’s HUD approval status, you can visit the website HUD.gov, click on ‘single,’ and enter their name. If the company appears as we do, it confirms their credibility. However, if nothing surfaces under their name, it’s a clear indication of dishonesty.
When entities are untruthful about even minor details, it raises concerns about the extent they might tarnish the reputation of individuals and other businesses. It’s crucial to remember that embracing the truth is the path to liberation.

Join Obsidian:

Become Part of a Winning Team

When you become a part of Obsidian, you’re not just joining a mortgage company; you’re becoming a vital member of one of the fastest-growing brokers and lending companies in the nation.
We’re proud of our winning team, equipped with a wide array of options tailored to your specific needs. Our motto is “Options,” and we’re committed to offering you all of them.
Whether you’re an experienced broker or transitioning into the lending sector, Obsidian welcomes you at your own pace. We emphasize flexibility by not imposing the use of any specific platform, acknowledging that everyone is unique.
Moreover, our commitment to affordability is unwavering. No one matches our competitive fees for brokered files, be it in the traditional brokerage or the mini-correspondent space. If you come across a better offer, rest assured we’ll not only match it but beat it!

Embrace Truth and Excellence with Obsidian!

Contact Information

To explore further opportunities and arrange an interview, please visit our website at www.obsidianfinancialservices.com or contact us via email at [email protected]. Due to the high level of interest in our program, we kindly ask for your patience as we respond and schedule interviews within 24 to 48 hours. Thank you for your keen interest in joining us.

Equal Opportunity Employer Statement

Obsidian Financial Services is committed to being an equal opportunity employer. We prohibit discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression. Our commitment is to provide an inclusive and welcoming environment for all members of our team and the individuals we engage with.

We comply with all applicable laws governing discrimination in employment, and this policy applies to all terms and conditions of employment, including hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation, and training. Obsidian Financial Services expressly prohibits any form of workplace harassment based on race, color, religion, gender, sexual orientation, gender identity or expression, national origin, age, genetic information, disability, or veteran status. Any improper interference with the ability of Obsidian Financial Services employees to perform their job duties may result in disciplinary action, up to and including discharge.

We value diversity and strive to create a fair and inclusive work environment that reflects the diversity of the communities we serve. By fostering an atmosphere of respect, trust, and understanding, we aim to attract and retain the best talent and create a workplace where every individual feels valued and empowered.

If you have any questions or concerns regarding this Equal Opportunity Employer (EOE) policy, please do not hesitate to contact us.

Are You Ready To Grow Your BRANCH?

You have Questions? Speak to a Representative.

When you become a part of Obsidian, you're not just joining a mortgage company; you're becoming a vital member of one of the fastest-growing brokers and lending companies in the nation. We're proud of our winning team, equipped with a wide array of options tailored to your specific needs. Our motto is "Options," and we're committed to offering you all of them. Whether you're an experienced broker or transitioning into the lending sector, Obsidian welcomes you at your own pace. We emphasize flexibility by not imposing the use of any specific platform, acknowledging that everyone is unique. Moreover, our commitment to affordability is unwavering. No one matches our competitive fees for brokered files, be it in the traditional brokerage or the mini-correspondent space. If you come across a better offer, rest assured we'll not only match it but beat it!

Sign Your Agreement

We will send you a Affiliate Branch Agreement to sign. Once you have signed the agreement, we will begin the process of sponsoring and onboarding your Branch. If you have loans to bring over, Our Underwriting team will work with our transition desk to get your loans underwritten and approved.

Onboarding and Branch Set Up

We will work with our onboarding team to get you onboard as soon as possible. This will include getting your sponsorship completed, getting your Trade Name set up as a branch, and setting up your bank account and other credentials.

Unlock Your Potential with Obsidian Financial Services

Streamlined Fee Structure: Harness the power of a flat $2,500/month fee and close limitless loans each month.

Efficient Financial Setup: Experience a dedicated checking account tailored for your earnings, including bonuses and overrides. Customize your compensation plans with ease.

Direct Fund Reception: Seamlessly receive funds directly into your business account via wire transfers or checks from title companies.

Flexible Compensation Plans: Take control of your loan officers’ pay schedules. Tailor compensation plans to your liking, ensuring maximum efficiency.

Advanced Technology Solutions: Leverage cutting-edge software like LoanSifter and LendingPad to streamline operations and enhance productivity.

Extensive Lender Network: Access a vast network of over 100 lenders, offering multiple closing options, including broker/Mini-Corr/non-del (RAW PRICING), and Delegated channels with a remarkable 98% closing ratio.

Visit Obsidian Financial Services now or email us at [email protected] to explore these exclusive benefits and elevate your lending journey today!

How Does It Work?

We extend a warm welcome to Mortgage Originators, irrespective of your monthly loan closings. At Obsidian Financial Services, we prioritize your lifestyle and resonate with the challenges you encounter in today’s market. Our founders, being Mortgage Originators themselves, comprehend your journey firsthand. To empower even those closing just one loan monthly, we’ve innovated a distinct approach: a flat fee structure that allows you to retain 100% of your compensation. Join us for a supportive partnership where your success is our shared goal!

Partner with a HUD approved Lender

In today’s competitive landscape, we’ve witnessed a rise in deceptive practices aimed at safeguarding personal interests. Misinformation and falsehoods are unfortunately common tactics used to maintain status quo. A common misconception involves companies falsely claiming HUD approval, when they’re actually limited to broker operations. To confirm a company’s HUD approval status, we recommend visiting HUD.gov for accurate information.