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    Total Compensation Calculator

    What Are You REALLY Making?

    Splits don't tell the whole story. Benefits, support, and production potential all matter. Let's do the real math.

    Most LOs underestimate their true compensation gap by $20,000+ per year

    Your Current Compensation

    $

    e.g., $1,000 per file

    $

    e.g., $300/month

    Your Production

    3
    1 unit15 units

    That's 36 units/year

    $400,000
    $150K$1M
    100 BPS
    50 BPS200 BPS

    This is your commission rate before splits

    Your Annual Volume

    $14,400,000

    Your Current Benefits

    $

    That's $18000/year coming out of your pocket

    $

    Your Total Compensation Comparison

    CURRENT
    AT CMS
    DIFFERENCE
    Gross Commission
    $129,600
    $230,400
    +$100,800
    Processing Fees Paid
    -$42,000
    -$12,600
    +$29,400
    Monthly Fees Paid
    -$3,600
    -$1,200
    +$2,400
    Net Commission
    $84,000
    $216,600
    +$132,600

    Benefits Value

    Health Insurance
    -$18,000
    $12,000
    +$30,000
    401k Match
    $0
    $3,500
    +$3,500

    Support Value

    Lead Generation
    $0
    $5,000
    +$5,000
    Training/Coaching
    $0
    $3,000
    +$3,000
    TOTAL COMPENSATION
    $66,000
    $240,100
    +$174,100

    You could be making

    +$174,100 MORE

    at CMS • That's a 263.8% increase in total compensation

    Production Potential

    But Wait, There's More

    With CMS's training, coaching, and systems, LOs typically grow production. If you increase volume, the math gets even better.

    Current
    36 units
    CMS Year 1
    42 units+17%
    CMS Year 2
    48 units+33%
    CMS Year 3
    52 units+44%

    "If you also increase production, the math gets even better."

    See How We Grow LOs

    Ready to See Your Personalized Numbers?

    We'll run the real math together. Bring your pay stubs.

    Schedule Confidential Conversation
    100% confidential. Your current employer will never know.

    Disclaimer: These calculations are estimates based on current CMS compensation structures and typical benefits costs. Actual results vary based on individual circumstances, market conditions, and production levels. This is not a guarantee of earnings or an employment offer. Benefits availability may vary based on employment status and other factors.

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    Finally, a mortgage experience designed for humans. Not paperwork. A Top 50 national brokerage helping families get their keys since 2005.

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    • 1612 Centerville Tpke, Suite 307
      Virginia Beach, VA 23464
    • (757) 558-2603
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