It's not your production.
You have a company problem. You know how to close — what's holding you back is the margins, the tech, and the rules that belong to someone else. Dwell gives them back.
Every time they "restructure," you pay for it.
It's never announced as a pay cut. It's a margin adjustment, a tech migration, a new overlay. You feel it in the same three places every time.
Margins you don't set
Your comp moves when their math moves — and you find out after.
Tech you didn't choose
Half-connected logins corporate picked that you're expected to make work.
Rules that keep changing
Overlays and policies written for their risk, not your business.
A ceiling you can feel
The environment is throttling you, not your ability.
The same math on every loan. Every number in the open.
One flat fee per closed file, and you keep 90% of what's left — loan one and loan one hundred. No tiers, no mid-year resets.
On a $400,000 loan, you keep $8,914.50.
Dwell is paid $11,000. After the flat $1,095 file fee and 10% of the remainder, the rest is yours — every number on a pro forma every month. And we're W-2 on purpose: payroll, compliance, and pre-tax business expenses are run by our team, not dumped on you with a 1099 and a login.
See the full comp math*275 bps (2.75%) is the most Dwell is paid on a loan, lender paid or borrower paid. Some investors pay less, in which case your pay adjusts accordingly. Your pay is the remainder after a flat $1,095 per file and 10% of what is left, plus a $200 monthly company draw recovered from your commissions. Standard W-2 withholding applies.
You focus on the work that makes you money. We handle the tech.
The stack is set up before you walk in. The CRM is configured, the follow-up is running — Arive+, Fuel, and the Dwell Community already working together.
Configured and connected before you start, with your AI LOA, Addy AI, doing real loan work inside it, not just reminders.
You stay the licensed LO making the calls. Your Producer Dashboard flags any file stalled past three days, so you always know where every loan stands.
Your private, white-labeled creative platform. Follow-up, funnels, and campaigns run from day one, wired straight into Arive+.
Every training, resource, and answer in one searchable place, so you get unstuck fast instead of waiting on a reply.
When a lender says no, you've got 45 more.
Retail puts you inside one set of overlays — when that lender passes, the deal is dead. With 45+ investors and thousands of products, you shop the file and place it where it fits.
"My VA loan got declined and I figured the deal was dead. Betsi found five other investors who'd take it. I've never had an ops team fight for my file like that."
Mike Sapida, Dwell LO
You'll never carry it alone again.
Five support lanes, named real people. Not a ticket queue. Not a "great team." Humans who pick up.
Agency, with someone in your corner.
No micromanagement and no call counts. A standard, and direct access to a former Top 1% originator who holds you to it.
What the first 90 days actually look like
Not an orientation packet and a login.
- Month one: daily live training with Shane — sixteen years of tactics, downloaded.
- Month two onward: a standing weekly 1:1 on your pipeline, partners, and numbers.
- Standing cadence: weekly team growth call, monthly capital markets session with market reads you can take to partners.
What a move actually costs you.
Nobody leaves a book of business on a maybe. Here's what we'll walk through on the call, in the open.
Don't take it from us. Take it from them.
The people who already do what you do, on this platform. Ask them anything.
What keeps me coming back every day, and loyal to this company, is the transparency of it all. From compensation, to the goals of the company, to the policy, to even how staff operates. It’s very clear how it’s all set out. Here’s to seven-plus more years.
I made a move once, tried something else for a while. It was fine… But when life brought me back to Washington, there was only one call I needed to make. I didn't shop around.
The tech is impressive and the products are competitive. That's not why I came back. Shane coaches you. He shows up. That kind of leadership is rare — and you notice when it's missing.
The questions producers actually ask.
What do you handle before my first day?
How is my compensation set?
I'm not a tech person. Is this going to be a headache?
Why W-2 instead of 1099?
Find out if Dwell fits your business.
No pitch. A real conversation about your production, your partners, and whether the move makes sense. If it doesn't, we'll both know fast.