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Expand your real estate practice with mortgages and CRE financing
Agents have been assisting with the mortgage process for decades. It's time to be recognized for our contributions.
- Teresa Grobecker
Several options to grow your business
Loan Processor (W2 Employee) – Up to 50 BPS per File 💼📑
Join GRO GROUP as a W2 Loan Processor and earn up to 50 basis points per file! This role is not salaried and does not include benefits, but it's the easiest entry point into the mortgage industry—no additional registrations required!💻 Super Easy-to-Use Platform – Our streamlined system makes it simple to gather all documents and process mortgage applications efficiently.🤝 Work with a Senior Loan Originator – Get hands-on guidance with loan pricing and structuring, ensuring smooth transactions and more closed deals. If you're looking for a straightforward role with minimal barriers to entry, this is the perfect fit! 🚀💵
NMLS Licensed MLO (No Exam Required) – 50 BPS per File 🏡📈
NMLS Licensed MLO (No Exam Required) – 50 BPS per File 🏡📈Are you NMLS licensed but prefer to skip the exam? No problem! At GRO GROUP, you can operate as a real estate mortgage loan officer with 50 basis points per file—no extra barriers. Maximize your earnings while leveraging GRO GROUP’s extensive resources and support to close more deals with ease! 🔑💵
Fully Licensed NMLS Loan Officer (Requires Exam) – 90 BPS per File 📜💼
Fully Licensed NMLS Loan Officer (Requires Exam) – 90 BPS per File 📜💼Take your mortgage career to the next level as a fully licensed NMLS loan officer with GRO GROUP! With 90 basis points per file, you’ll earn top-tier commissions while enjoying flexibility, lead generation support, and a powerful lending platform to help you succeed. Pass the exam, unlock higher earnings, and build a thriving career! 🚀💰
Join GRO GROUP as a Real Estate Agent + Loan Processor/MLO – No Caps! 🔥🏠💵
Join GRO GROUP as a Real Estate Agent + Loan Processor/MLO – No Caps! 🔥🏠💵Why choose one role when you can do it all? GRO GROUP offers a flat-fee, negotiable comp structure with NO caps for professionals looking to work as both a real estate agent and loan processor/MLO. Maximize your earning potential, diversify your business, and get full support from an industry-leading team! 🌟📈
Commercial Real Estate & Investor Lender – 50/50 Commission Split 🏢💰
Commercial Real Estate & Investor Lender – 50/50 Commission Split 🏢💰Step into the lucrative world of commercial lending with GRO GROUP—no license required!💼 Originate All Types of Commercial Loans Nationally – From multifamily to retail, office, and business sale financing, you can fund it all!📈 Leverage Your Book of Business – Monetize your existing client relationships and offer them more lending solutions without restrictive licensing hurdles.🤝 50/50 Commission Split – Earn strong commissions with a straightforward revenue-sharing model—your success is our success!🔥 Huge Demand for Business Sale Financing – The market is booming, and business acquisition financing is in high demand—get in now while opportunities are everywhere!If you're ready to expand your reach, maximize earnings, and become a trusted commercial lending advisor, this is your moment! 🚀🏦
Teresa Grobecker
CEO Gro Group, a divsion of Capital Federal Credit Union NMLS 2288260
The GRO Group has partnered with Capital Federal Credit Union to expand our services nationally. We want REALTORS® to be able to originate loans in all 50 states without having to switch brokerages.
We are leveraging a decades-old federal law that allows employees of federal banking institutions to originate loans in all 50 states without taking NMLS exams or burdening brokers with setting up new corporations or complicated JV/MSAs.
We aim to expand broker and agent earning potential. We unlock your talent as the Chief Diplomat in all real estate transactions.
This innovative program empowers agents to guide clients through every step of the home-buying journey, combining property expertise with loan origination. With GRO Group’s training and CFCU’s compliance oversight, agents deliver integrated services, creating a smooth, efficient, and client-focused experience.
You've got questions, we've got answers
SAFE Act Compliance: Licensing & Registration Requirements for Mortgage Loan Originators
Under the Secure and Fair Enforcement for Mortgage Licensing (SAFE) Act of 2008, individuals engaged in residential mortgage loan origination must either be state-licensed or federally registered. However, employees of federally regulated depository institutions, such as federal credit unions, are exempt from state licensing requirements but must register with the Nationwide Mortgage Licensing System and Registry (NMLS) and obtain a unique identifier.
How can GRO Group originate nationally?
Real estate agents employed by a federal credit union, like Capital Federal Credit Union, can originate loans nationwide without obtaining state-specific licenses, provided they are registered with the NMLS. This federal registration allows them to operate across state lines under the supervision of their employing institution.
What is the FHA and HUD say about this program?
In addition, on December 15, 2022, the FHA published Mortgagee Letter 2022-22, which revised their conflict of interest and dual employment policy. This policy allows individuals to have multiple compensated roles for services performed by HUD, as long as the transaction complies with all applicable laws, rules, and requirements.
What is the role of federal oversight?
It's important to note that while federal registration exempts these individuals from state licensing exams, they are still subject to federal oversight and must comply with all applicable regulations and registration requirements.
How is it legal for a real estate agent to work as a loan processor without an NMLS license?
According to the Secure and Fair Enforcement for Mortgage Licensing (SAFE) Act, individuals performing loan processing activities under the supervision of a licensed mortgage loan originator (MLO) are not required to obtain an NMLS license. The SAFE Act specifies that loan processing and underwriting activities are not covered under the licensing requirements for MLOs.
What kind of support do our agents get?
🤝 Stay with your current broker! Heck, bring them along! Continue working with your current real estate brokerage. Add GRO Group as an additional revenue stream. No need to switch brokers.
⛰️BROKERS: add mortgage to your business without complicated and expensive E&O, corporation setup, JV/MSA, and compliance overhead.
ℹ️ Communicate DIRECTLY with your underwriters, capital markets pricing desk, price loans (if you want to) and have direct access to the conditions portal.
🎥 FREE Training & Education
Engage with training videos, podcasts and professional development resources tailored for success. Did I mention it's FREE?
🙋♀️🙋♂️ Dedicated Loan Originator
Your personal guide from loan application to closing for a seamless experience.
🎯 🤓 🤖 Best Loan Pricing
Access the best pricing in the industry with our Ai driven underwriting and pricing tools.
Originate anywhere in the United States
Break free from boundaries—expand your business nationwide!
📤💬 Email & Social Marketing Tools
Leverage cutting-edge marketing strategies to grow your reach and impact.Professional digital presence designed to enhance your brand and build trust.
We are here to support you!