For Realtor Partners

Free preapprovals in 2 hours. $500 if we can't close.

Send me your clients. I'll have a preapproval in their hands the same day. If I can't close a loan I preapproved, I'll cut you a check for $500. It's that simple.

Refer a Client → Call (949) 842-2006
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2-Hour Preapproval

Business hours, no gimmicks. You get a real preapproval letter — not a soft maybe.

Mon–Fri 8am–6pm PT · Learn more →
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$500 Close Guarantee

If I preapprove a client and they get denied through my file, I pay you $500. Skin in the game.

Full terms →
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Every Loan Type

Conventional, VA, FHA, DSCR, HELOC, construction, commercial. One LO, all products.

See how it works →
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Free NMLS Licensing

Close one loan with me and EMC covers your LO licensing. Earn commissions on every future deal — legally.

Learn about the dual-license program →
Welcome

You're going to like this.

Want to Earn on Every Deal You Refer?

Most realtors refer a client to a lender and walk away with nothing but a thank-you. I think that's backwards.

Close one loan with me and EMC will pay for your NMLS Loan Officer license. After you're licensed, you can legally earn loan-officer commissions on every future deal you bring me — real dollars, recurring, on top of your real estate commission. No conflict of interest, no RESPA gray area, just two legit compensation streams from every transaction.

Licensing typically runs $1,000–$1,500 out of pocket. EMC eats that cost when you show up with real volume.

Start With One Deal →

Built for Realtors Who Care About the Deal

I built my business on realtor relationships. Here's what you get when you work with me.

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Purchase

Conventional, FHA, VA, Jumbo

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VA Loans

Zero down, specialist experience

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DSCR / Investment

Cash flow qualifying, no tax returns

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Construction

One-time close, custom builds

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HELOC

5-day turnaround, up to 90% CLTV

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Commercial

Mixed-use, multi-family, business

Refer a Client

Send me the deal. I'll preapprove within 2 hours (business hours) and keep you posted at every step.

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    Sent.

    I got the referral. I'll text you within 2 hours (business hours) with next steps on your client. Thanks for trusting me with the deal.

    $500 Close Guarantee — Full Terms

    If I issue a preapproval for a client you refer and the loan is subsequently denied through no fault of the borrower's own actions or market events, I will pay you $500.

    What counts as "preapproved"

    I issue a formal preapproval letter in writing for the referred client.

    What counts as "can't close"

    The loan is denied by underwriting through my file within 90 days of the preapproval letter date.

    Exclusions — the $500 does NOT apply when:

    • The borrower stops responding or withdraws the application
    • The appraisal kills the deal (low value, property condition, etc.)
    • The borrower's credit changes materially during the loan process
    • The property falls out of contract for reasons unrelated to financing
    • The borrower experiences a material change in income, employment, or financial situation during the loan process
    • The borrower fails to provide required documentation
    • The borrower chooses to finance with another lender

    This guarantee is a personal commitment from Justin Bermingham, not a legal contract. It is offered in good faith to realtor partners who refer clients. Disputes are handled in good faith by Justin directly.