ReaLend
Build Wealth Through Real Estate and Mortgage
Why ReaLend Exists
In 2022, the Federal Housing Administration (FHA) issued a ruling that changed the game for real estate professionals. For the first time, Realtors and Brokers could legally be hired by mortgage companies, obtain an NMLS license, and earn commissions on home loans.
This shift comes at a critical time in the industry:
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Shrinking Margins: Traditional real estate models are under pressure, with competition from companies like Zillow, Redfin, and eXp cutting into commissions.
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Market Timing: With home sales at 30-year lows, Realtors and Brokers are seeking new ways to grow their business and stay competitive.
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Industry Trends: National players are vertically integrating — offering both real estate and mortgage services under one brand. Local professionals now have the same opportunity.
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Massive Talent Pool: There are over 1.6 million REALTORS® nationwide (and more than 3 million licensed real estate professionals). Surveys show that nearly three-quarters are considering a mortgage license, and even a 5% adoption would mean 150,000+ dual-licensed agents.
ReaLend was created to meet this moment — giving Realtors and Brokers in Roseville, Rocklin, Lincoln, and across the greater Sacramento area a way to expand their careers, diversify their income, and compete at a higher level.
Why Realtors Choose ReaLEND
Diversify Your Income
Earn both real estate and mortgage commissions.
Simplify Your Business
We provide NMLS training, compliance, and the tools you need to succeed.
Better Client Experience
Keep your buyers in-house with one trusted Realtor + lender.
Grow With Partnerships
Brokers can open mortgage branches, share profits, and recruit more agents.
How to Get Started
The program is simple and designed to help you get started quickly:
1
Identify & Learn
We connect with top Realtors and Brokers looking for new opportunities.
2
Get Licensed
Fast-track your NMLS license with our support, guidance, and compliance tools.
3
Integrate
Launch as a BDO, Jr. LO, or mortgage branch partner.”
4
Scale
Build a dual-income business that grows with every transaction.
Solving Realtor & Broker Challenges
Realtors and brokers face shrinking commission splits, increased competition, and higher client expectations. ReaLend is built to help you overcome these challenges — boosting your income, strengthening client relationships, and positioning your business to compete with national players.
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Earnings Pressure: Increase your income without leaving real estate.
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Client Retention: Keep buyers engaged from contract to closing.
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Future-Proofing: Compete with national players through vertical integration.
We’re here to support you
Getting started with ReaLend is simple. From NMLS licensing to integrating mortgage services into your real estate business, The JJ Mack Team and American Pacific Mortgage will guide you every step of the way so you can serve clients with confidence.