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100+ questions across 12 topic groups. If we don’t know the answer, we say so — and ask a recruiter to follow up.
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Twelve groups, expandable.

Click any question to reveal the full answer. Topics are alphabetized within each group.

About Uplend & V.I.P.

Uplend is the modern recruiting brand of V.I.P. Mortgage, Inc. (NMLS #145502). Same legal entity, same balance sheet, same licenses — see Powered by V.I.P.
Scottsdale, Arizona. 9221 E Via de Ventura, Scottsdale, AZ 85258. We have branches in 12 metro areas across 47 states.
No — V.I.P. Mortgage is privately held, founder-owned. Decisions are made with 10-year time horizons, not quarterly investor calls.

Compensation & Splits

Yes — the comp tiers are published on /loan-officers/compensation/. Your specific LOI states the exact bps you’ll be paid.
Brokered: 100–200 bps. Banked: 65–150 bps depending on tier. Your recruiter models both for your mix.
Above $25M annual: monthly budget. Above $50M: dedicated coordinator. Paid as separate stipend, not a comp deduction.
No hard floor, but our economics are best for $15M+ annual production. We’ll be honest about fit in the first call.
Override paid on team production above qualifying tier. Schedule and tiers published in your LOI.

Technology & Tools

Encompass with custom overlays configured for fast disclosures and auto-conditioning.
Yes — mobile-first 1003 that borrowers complete in 12 minutes on average.
Issue a pre-approval from your phone in under 2 minutes. Available iOS + Android.
No — the full stack is included. No monthly tech deduction, no per-loan fees on top of comp.

Marketing Support

Yes — marketing dollars are allocated by tier and paid monthly, not deducted from comp.
In-house paid-social manager above qualifying tier, with weekly call reviews and monthly reporting.
Yes. We help you migrate or co-brand — not replace — an established personal brand.
48 hours standard. Same-day for urgent listing materials.

Operations & Underwriting

21-day median app-to-CTC. Industry typical is 30–45 days.
Sub-3%, tracked monthly. Industry average is 7–11%.
24 hours from submission. Every file, every time.
No — every processor is W-2, in-house, US-based.
Yes — LOAs have full Slack access to your branch underwriter.

Products Available

Yes — bank statement, 1099, asset-depletion, and DSCR programs all live.
Yes — HECM is a full product line with dedicated reverse specialists.
Yes — we participate in DPA programs in 30+ states with state-specific matrices.

Switching Mortgage Companies

7–14 business days for the first state. Subsequent states processed in parallel.
Your transition team helps you map which loans move, which close at the prior shop, and how to communicate to borrowers.
No non-competes. Narrow non-solicit on Uplend’s proprietary database only.
Yes — strongly encouraged. Joint comp packages standard.
Yes. Borrower relationships are yours. Uplend will not retain or market to past borrowers if you leave.

Branch Manager Track

Override on team production above qualifying tier. Schedule published in LOI.
Yes — with corporate operational and marketing backing. Most branches operational in 90 days.
Documented criteria: 2–3 years branch P&L performance + hiring track record → regional VP roles.

Operations / Non-LO Roles

W-2 for all in-house ops roles, with full benefits, PTO, 401k.
Yes — files-per-processor caps enforced monthly. No “sink or swim.”
Processor → senior processor → ops lead. Documented criteria, quarterly review.

New to Industry

No — the New LO Program is designed for career-switchers. Sales, service, military, real estate, finance all transfer.
90 days from pre-licensing start to first funded loan. Some go faster.
Base + draw against commission + tier commission once you cross qualifying volume.

Veterans & Military Spouses

Yes — dedicated mentor pairing, accelerated NMLS exam prep, military-service tier recognition.
Yes — active recruiting of military spouses with portable licensing and remote-eligible work.

Licensing & Compliance

Yes — every Uplend LO is sponsored into every state they choose to work, at no cost to them.
Where state reciprocity exists we use it. Compliance handles the paperwork.
47 states. See By State for the current list and any updates.
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