Same lenders.Different decade.
Every wholesale broker accesses the same lenders. The platform on top of those lenders is what separates an LO who closes from one who doesn't. F5 is the all-in-one, custom-built stack from a producing LO who refused to keep working on 2015 tech in a 2026 world.
Join F5 your way
Top producer tired of clunky tech? Newer LO building your first real pipeline? Pick a path and F5 fits around the way you actually originate.
Run independent. Keep more.
No splits, no comp tier games, no monthly clawbacks on slow months. Pick F5 Pro for full bells and whistles, or F5 Flex to start with zero commitment. Same platform either way.
- Branded LO site on Pro
- Direct Pylon, UWM + 30+ lenders
- Own your borrower data
CRM, LOS, POS, marketing, all one system.
Eight purpose-built modules, one Command deck. Pylon, UWM, and 30+ other lenders all integrated — every loan finds its best home. No Frankenstein integrations, no tab juggling, no "let me check with the broker."
- Pipeline + lead detail in one view
- Real-time dashboards and reporting
- Mortgage-native, not a generic CRM bolt-on
- Run files start to close inside Command
- Raw wholesale pricing, no broker margin markup
- Pre-approval to clear-to-close in one workflow
- BOLT instant underwrite decisions
- UClose remote closing in 15 minutes
- EASE for live underwriter chat
- Borrowers apply without leaving F5
- Drag-drop docs, e-sign, milestone updates
- Auto-feeds into Command + the LOS
- Drafts loan scenarios + quotes on demand
- Auto-summary on every lead
- Routes hot intent to you live
- Multi-touch drip sequences per lead source
- Auto-enrollment on every new lead
- TCPA + suppression enforced for you
- Auto-monitors every closed loan for savings
- Triggered SMS + email when math works
- Pre-built completed apps, ready to send
- Unlimited soft pulls — pre-qual anyone risk-free
- Unlimited hard tri-merge pulls on every borrower
- Most shops charge $120+ per hard pull
When the borrower doesn't fit Pylon or UWM, F5 has 30+ other wholesale integrations ready — non-QM, jumbo, DSCR, ITIN, HELOC, construction, reverse. Quote them side by side from one Command deck. No "let me check with the broker."
Quality over quantity. Other shops brag about 200+ lender relationships, but most are dormant — outdated rate sheets, AEs who don't pick up, files that take 60+ days. F5 only stays onboarded with the lenders that actually close: real rate sheets, real underwriters, real turn times.
✓ Core modules on both plans (F5 Pro $199/mo or F5 Flex $0/mo). Loan coordinator support, zero per-tool subscriptions. Drip campaigns, refi finder, and free credit reports are Pro-only.
Their CEO is a recruiter. Ours is still a producer.
The next time you see a brokerage post on your feed bragging about “49 states and 200+ lenders,” ask yourself one question: when was the last time their CEO closed a loan? F5 was founded by an AI-first producing LO who refused to keep working on 2015 tech in a 2026 world. He's still in production. The platform is the product. And it gets better every single week.
- 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.
Your branded storefront, live day one
Every F5 Pro LO gets a personal subdomain with a live rate engine, lead capture, and AI-powered loan estimate analyzer. Share it on socials and start generating deals immediately.
your pipeline.
Custom subdomain, photo, bio, and live rates bar. Share on socials and let borrowers come to you.
- Custom subdomain (yourname.f5mortgage.com)
- Live rates bar refreshed daily
- Apply Now and Get a Quote CTAs wired in
- Lead capture flows directly into Command
Two plans. Same platform.
Pick the one that fits your business. Try us with zero monthly commitment on Flex, or go all-in on Pro for free credit pulls and downline earnings. No splits, no hidden deductions, no surprises.
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.
F5 wires a coordinator into every Pro and Flex file to handle the admin lift — organizing borrower documents in Command, prepping files at lenders not yet natively integrated, and keeping your pipeline moving. That's hours back every week to spend originating, networking, and winning more deals.
Want a dedicated 1:1 processor handling conditions and borrower contact end-to-end? Third-party processing starts at $800/file — pass it to the borrower on the CD or absorb it from your comp.
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.
Recruiting isn't our main focus. But we don't play games with it.
F5 is a producer brokerage, not a recruiting machine. That said, when LOs at F5 recruit other LOs, the override is clean. Nothing fancy. No fine print. No games.
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.
I have direct recruits, each closing loans / month.
They have recruits total, each closing loans / month.
Tap any number to edit
Earned cleanly, the day each loan closes. No vesting, no clawbacks, no production minimums. This is on top of every file you close yourself.
We don't pad headcount. We pay clean overrides. Both can be true.
Easier than you think.
Two days of F5 work. Then you go live the moment your state clears the sponsorship transfer. No pipeline migration, no waiting on us.
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.
"The F5 transition team had me originating again before I'd even unsubscribed from my old company's Slack. Closed my first F5 loan two weeks in."
Your next chapter starts now.
Drop your info. Ryan reaches out personally within one business day. Strictly confidential. Your current employer never hears a word.
