You're already referring buyers-why not get paid? Become a BDA
GET INTRODUCED
A New Way for Agents to Earn on the Mortgage Side — Compliantly
Recent regulatory guidance has clarified how real estate professionals can legally participate in mortgage-related compensation when structured correctly.
At Intelligent Mortgage, we’ve built a compliant framework that allows qualified real estate agents to earn additional income through our Business Development Associate (BDA) Program — without becoming licensed loan officers and without violating RESPA guidelines.
Instead of referring your buyers to lenders for free, our BDA structure allows you to:
• Be hired as a W-2 Business Development Associate
• Work directly alongside licensed loan officers
• Participate in mortgage-side revenue
• Help pre-qualify buyers upfront
• Protect your license and reputation
All while continuing to focus on what you do best: serving your clients and closing real estate.
With the right lender, the right systems, and a compliance-first structure, earning on both sides of the transaction is not only possible — it’s scalable.
Watch the video below to learn how our BDA Program works.
WHY CHOOSE US
Why choose Intelligent Mortgage?
At Intelligent Mortgage, we go beyond simply closing loans — we build long-term partnerships through smart service, strategic support, and unmatched professionalism. Here’s what sets us apart:
Agent-Centered Partnership Model
We structure our relationship to help agents grow, not just close deals.
Compliance-First Operations
Every process is designed around federal and state regulations to protect you, your clients, and your license.
Speed & Reliability
Fast pre-approvals, proactive underwriting, and consistent communication. Fewer surprises = smoother closings.
Dedicated Support Team
From processing to closings, you're backed by experienced professionals who know how to get deals done.
Advanced Pre-Approvals
We vet buyers thoroughly upfront, reducing fall throughs and wasted showings.
Grow Your Business & Network
Partner with a trusted lender to strengthen your brand, build client loyalty, and generate more referrals.
Mortgage Pre-Approval
Mortgage pre-approval is the first essential step toward homeownership. It involves a lender reviewing your financial information—such as income, assets, credit history, and employment—to determine the loan amount you’re eligible for. A pre-approval letter strengthens your position as a serious buyer, giving real estate agents and sellers confidence in your ability to secure financing. For BDAs, helping clients navigate pre-approval demonstrates professionalism and builds trust early in the process.
House Shopping
With a pre-approval letter in hand, clients can confidently begin shopping for homes within their price range. This phase involves working with real estate agents to tour properties, understand market conditions, and identify the right home that fits the client’s needs and budget. BDAs should stay engaged during this stage, offering insights and maintaining communication to keep clients focused and informed.
Loan Application
Once a client’s offer on a home is accepted, they proceed with the full loan application. This process includes submitting detailed documentation to the lender, such as bank statements, tax returns, and purchase agreements. The lender initiates underwriting, orders an appraisal, and verifies all aspects of the borrower’s financial profile. BDAs play a key role in supporting clients through this stage—ensuring paperwork is complete, deadlines are met, and all parties remain aligned.
WHAT’S THE BEST
The Intelligent Mortgage BDA Program
Imagine turning your buyer clients into an additional revenue stream—without changing how you already do business.
Earn Extra Income
This program benefits you, your clients, and your business. Ready to learn more? Let’s chat!
🚀 Earn $625 to $1,250 per closed loan
💼 No license required — you partner with our loan officers
📈 Volume bonuses and overrides if you refer other agents
⏰ Zero cold calling — simply connect your clients as usual
🧑💼 Stay fully compliant with FHA, HUD, and NMLS rules
Meet the Team of Professionals
Alex Griffith
Loan Officer | Intelligent Mortgage
Cell - 918-633-1825
NMLS# 2487695
Loan Officer
❓ Do You Have Questions? Start Here.
Before reaching out, please review our Frequently Asked Questions below. Many common questions are answered here.
What is the BDA Program
The Business Development Associate (BDA) Program allows qualified real estate agents to earn additional income by referring homebuyers to Intelligent Mortgage for their financing needs, through a compliant W-2 partnership with our licensed loan officers.
What are my responsibilities as a BDA?
As a BDA, your primary responsibilities include:
• Referring qualified buyers to Intelligent Mortgage
• Maintaining professional communication with clients and loan officers
• Assisting with coordination and follow-up
• Avoiding any activities that require mortgage licensure
• Following all company policies and compliance guidelines
BDAs do not originate loans or perform licensed loan officer duties.
How and when will I get paid?
Commission payments are issued twice per month according to the following schedule:
✔ Loans closed between the 1st and 15th
→ Paid on the 1st of the following month
✔ Loans closed between the 16th and end of month
→ Paid on the 15th of the following month
All payments are processed through payroll as W-2 compensation.
What happens if my referral doesn’t close?
If a referred client does not close a loan with Intelligent Mortgage, no commission is paid on that transaction.
However, you may continue referring clients without limitation.
How does the referral process work?
1️⃣ You introduce your buyer to Intelligent Mortgage
2️⃣ Our loan officer completes the full qualification and loan process
3️⃣ Our team manages underwriting and closing
4️⃣ Upon successful closing, you are paid per the compensation plan
You remain focused on real estate — we handle the mortgage.
How much commission can I earn?
Compensation is based on monthly production:
✔ First Closed Loan Each Month
→ 25 basis points (0.25%) of the loan amount
✔ Second and Subsequent Loans in the Same Month
→ 50 basis points (0.50%) of the loan amount
✔ Volume Overrides
Additional compensation may be earned when you refer other BDAs into the program.
All compensation is subject to compliance review and company policy.
Can I discuss loan rates and fees with clients?
No.
Only licensed loan officers are permitted to discuss:
• Interest rates
• Loan programs
• Fees and costs
• Credit qualification
• Loan terms
As a BDA, your role is limited to referral and general communication.
This protects both you and your license.
Who can I contact for more information?
For questions, onboarding, or support, please contact:
Intelligent Mortgage
📍 6666 S. Sheridan St., Suite 211
Tulsa, OK 74136
📧 Email:
[email protected]
[email protected]
📞 Phone:
(918) 633-1825
(918) 402-3978
Office: Office: 1924 Glasgow Ave, Baton Rouge, LA 70808
Call (918) 633-1825
Email:[email protected]
Site: www.im.loans
