• ARIVE for LOS, separate login
• Salesforce for CRM, separate login
• SimpleNexus for POS, separate login
• ActiveCampaign for email, separate login
• Sales Boomerang for retention, separate login
• $120+ per credit pull, billed back monthly
• Half-dozen line items on every paycheck
• Roadmap controlled by six different vendors

• LOS built into Command, never leave
• CRM, POS, marketing, retention all native
• Branded borrower POS on your own subdomain
• AI baked into every workflow, not a sidecar
• FREE unlimited hard + soft credit pulls on Pro
• Loan coordinators included on call
• Two clean line items on your check, that’s it
• Roadmap moves every week, run by the team that owns it

Wall Street rates.
Direct to your borrower.

F5 is wholesale. That means raw institutional pricing from the 30+ lenders we onboard, with zero broker margin hidden in your borrower's rate. Same lender, lower rate — every time. Quote them all side by side from one dashboard, without ever leaving the platform.

For part-time LOs, retiring originators going referral-only, or anyone who wants to try F5 with zero monthly skin in the game. Pay only when you close.

For full-time LOs and recruiters. The $199 / month is your support engine — Roam virtual HQ, AI assistant, drip marketing, and refi finder — wired into your day. Lower per-file, free credit, and you earn $400 / loan on every recruit. The plan you build a business on.

Most flat-fee shops bake 25–50 bps of margin into your borrower’s rate to fund their "low" file fee. We don’t. As a broker, F5 passes through raw institutional pricing — your borrower wins by hundreds a month.

Some shops take back your downline override if you have a slow personal month. We don’t penalize that. The only clawback we run is the standard EPO / EPD industry rule on the underlying loan.

Every fee, deduction, and pass-through is spelled out in your offer letter up front. No hidden "company keep" math, no creative back-end deductions, no last-minute paycheck surprises.

F5 pays 1099 in the vast majority of states for max take-home and full flexibility. W-2 only where state regulation requires it. Same rule on both plans.

Every override comes with fine print.

The flat-fee shops that recruit aggressively bury the rules in the offer letter. By the time you realize, your “downline income” is half theoretical.

• Vesting periods. Your override isn't really yours for 6-12 months.
• Production minimums. Slow month? No override that month.
• Sunset clauses. Recruit goes quiet for 90 days? Override expires.
• Clawbacks. Recruit leaves the company? You owe back.
• Tier thresholds. Override % drops below volume bands.
• Required uplines you share with forever, even when they go inactive.

Earn it once. It's yours.

We pay clean overrides on F5 Pro. Same dollar per loan, every month, no matter the volume. Earned the day the loan closes. Yours for good.

• $400 / loan on every direct (L1) recruit
• $100 / loan on every L2 (recruits of recruits)
• No vesting. Override is yours from the day the loan closes.
• No clawbacks. Ever. Recruit leaves, you keep what you earned.
• No production minimums to collect.
• No sunset. Recruit closes a loan in year 8? You still earn.

What does the downline look like at your scale?

Tap any number. See what F5's downline structure pays you over a year, a career, or anywhere in between.

LO agreement signed. NMLS sponsorship transfer requested with your state. Payroll, welcome packet, and onboarding kicked off.

Command CRM, Pylon, UWM, AI assistant, free credit pulls, branded subdomain, marketing portal. Wired and tested same day.

Hands-on across every tool. Quoting, automations, AI replies, credit, the full Command tour. One sitting, then you’re ready.

The moment your sponsorship transfer is approved, you’re originating. Typically 1–5 business days depending on the state. F5 isn’t the bottleneck — your state regulator is.