Compensation you can model before you ever have a conversation.

The Producer Plan is a flat-fee personal-production plan. Eligible 1099 participants receive the applicable lender-approved gross compensation less a published $695 per-funded-loan Vabasso platform fee, elected optional services, approved LO-paid expenses, and legally permissible adjustments. Platform fees stop accumulating at a $40,000 annual ceiling, after which the transaction fee is $395 per funded loan.

The Growth Plan pays 200 bps on personal production for eligible 1099 participants (185 bps for W-2 participants) out of the 250 bps of available transaction economics, and creates a three-level Growth Share of 10 bps per level on the eligible funded volume of qualified Level 1, Level 2, and Level 3 loan officers. A $195 QC and compliance fee applies per personal funded loan.

Established, self-generated loan officers who want to maximize compensation from their own production through transparent flat-fee economics and do not intend to build a producing organization.

Producing loan officers who want to build a producing organization and earn additional compensation through a qualified three-level Growth Share, accepting lower personal-production basis points in exchange.

No. Vabasso does not permit transaction-by-transaction plan switching. Your elected plan applies to all funded loans in the applicable period.

Plan changes are made prospectively at designated election windows described in your compensation agreement, and never retroactively or loan-by-loan.

Vabasso platform fees of $695 per funded loan accumulate during the measurement period until total platform fees reach $40,000. Once the ceiling is reached, standard platform fees stop and a reduced $395 per-funded-loan transaction fee applies for the remainder of the period.

At a constant $695 fee, 57 funded loans produce $39,615 in platform fees. The 58th funded loan is charged only the $385 remaining to the ceiling, bringing cumulative platform fees to exactly $40,000.

Beginning with funded loan 59, the transaction fee becomes $395 per funded loan for the remainder of the measurement period.

No. The ceiling caps the $695 platform fee only. The $395 post-ceiling transaction fee continues to apply, as do any separately charged third-party costs.

It is the reduced per-funded-loan transaction fee that applies after cumulative platform fees reach the $40,000 annual ceiling.

There is no mandatory monthly Vabasso technology fee on the plans described here. Third-party technology you elect — LOS, CRM, pricing engine, and similar — is separately paid.

Yes. Vabasso Scenario Intelligence is entirely optional at $50 per loan officer per month. It is advisory only and does not approve loans or replace underwriting.

No. Processing is separately charged and is not included in the Vabasso platform fee.

No. Credit reports and verification services are separately charged at actual cost or under a published fee schedule.

No. The loan origination system is a separately paid item unless Vabasso expressly agrees otherwise in writing.

No. A personal CRM is separately paid. Vabasso provides corporate email and standard corporate marketing support.

No. Pricing-engine costs are separately paid.

The loan officer pays state licensing, renewals, continuing education, background checks, sponsorship fees, and NMLS or state-system charges.

Vabasso provides a basic personal LO page within the Vabasso platform. Custom websites, independent hosting, and premium marketing are separately paid.

Yes, subject to compliance review, approved disclosures, and applicable advertising rules. Independent hosting and maintenance are separately paid.

Under Vabasso’s current classification matrix, W-2 participation is required in California (DFPI), Georgia, Indiana (DFI), Massachusetts, Montana, Nevada, New Jersey, North Carolina, South Carolina, Rhode Island, and Vermont.

Yes. Where the matrix permits either classification, an eligible loan officer may elect W-2 employment, subject to Vabasso approval.

No. Independent-contractor eligibility depends on applicable law, licensing structure, the actual working relationship, lender and investor requirements, and Vabasso approval.

W-2 schedules account for employer payroll taxes and employment-related costs. On the Growth Plan, W-2 personal-production compensation is 185 bps with 35 bps retained. On the Producer Plan, W-2 commission is 90% of gross compensation after the per-loan platform fee.

Employer payroll burden is the employer’s share of payroll taxes and employment-related costs paid by Vabasso. It is a company cost and is not deducted from the loan officer’s displayed gross W-2 compensation.

No. Employee withholding is deducted from the employee’s pay through payroll. Employer payroll burden is an additional cost paid by the employer.

Qualified Growth Plan participants may earn 10 bps on the eligible funded volume of active producing loan officers at each of three levels. Growth Share is paid only on levels the participant has unlocked and only while participants remain active and eligible.

Level 1 unlocks with at least 1 personally recruited active producing loan officer.

Level 2 unlocks with at least 5 active producing direct recruits.

Level 3 unlocks with at least 10 active producing direct recruits.

An LO who is properly licensed, sponsored by Vabasso, in good standing, current on applicable company and vendor charges, not suspended, has no unresolved disciplinary action, and has funded at least one eligible loan during the preceding 90 days.

No. Unfilled or locked Growth Share positions revert to Vabasso. They do not compress upward, move to another participant, increase another participant’s payment, carry forward, or create a vested right.

No. Growth Share is not vested and is not guaranteed. It continues only while the participant and the credited loan officers remain active, eligible, and in good standing under the applicable agreement.

Volume from an LO who is not an active producing LO in the applicable period is not eligible for Growth Share, and the corresponding position reverts to Vabasso.

Growth Share is calculated on eligible funded loans and paid under the schedule in the applicable compensation agreement after Vabasso receives the corresponding compensation.

Growth Share ends on termination except for eligible amounts already earned on loans funded before termination, as described in the applicable agreement.

Legally permissible and properly documented chargebacks or losses may be applied as described in the applicable agreement and in accordance with law.

Founding Growth Partner is a marketing and recognition designation only. It does not create equity, legal partnership, ownership, voting rights, profit interests, fiduciary duties, or governance authority.

No. Calculator results are illustrative estimates based on the assumptions you enter and are not a guarantee of compensation, employment, classification, production, Growth Share eligibility, or future earnings.