More commission, more freedom to run your business your way.

Keep 100% of your commission minus our economical flat fee and run your business on your terms—your process, your clients, your decisions. Kam Financial & Reality gives California loan officers and Realtors the control, tools, and fast payouts to grow since 2012.

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100% minus economical flat fee

Keep 100% of your commission minus one transparent, economical flat fee—no layers, no surprises.

Fast commission payouts

Get paid quickly when deals close—more cash in your hands, sooner.

In business since 2012

A reliable California brokerage trusted by producers building long-term wealth.

Broad wholesale access

Agency, government, jumbo, non-QM, reverse, commercial, and specialty programs through approved wholesale lenders.

Why producers choose KAM

Fast payouts, 100% commission minus our economical flat fee, and a brokerage you can rely on—serving California since 2012.

2012 Serving California since
100% Commission minus our economical flat fee
Fast Commission payouts

Why choose KAM?

A 100% commission model with an economical flat fee—so you keep more and build wealth faster.

Earn more, keep more

Our 100% commission minus economical flat fee model is built so producers take home more on every deal—and reinvest in growth.

Mortgage + real estate

Wholesale lending tools for LOs and brokerage services for agents — aligned under one California brand.

Tools that scale with you

Credit, LOS, DU/LP, processing for loan officers; transaction coordinator, E&O, and marketing for Realtors.

Compliance-minded operations

Brokerage support designed for California wholesale production—so you can originate with confidence.

Built for your career path

Whether you originate loans or represent buyers and sellers, KAM has a dedicated path for you.

Loan officers

Wholesale mortgage brokerage with the products and tools experienced MLOs need.

  • Conventional & conforming
  • FHA, VA & USDA
  • Fixed-rate & ARM
  • Jumbo & super jumbo
Explore loan officer benefits

Realtors

Real estate brokerage with MLS access, TC support, and marketing resources.

  • Greater Los Angeles
  • Riverside & San Bernardino
  • Orange County
  • San Diego County
Explore Realtor benefits

Ready to get started?

Tell us about yourself and a KAM team member will follow up within one business day.

Join our team Contact us

Or call us at (619) 356-1086 · Mon–Fri 9AM–5PM

Frequently asked questions

Clear answers for loan officers and Realtors considering KAM.

What is Kam Financial & Reality?

KAM is a California mortgage and real estate brokerage serving loan officers and real estate agents. We offer 100% of your commission minus one economical flat fee, professional tools, and support built for producers who want to earn more.

How does the commission split work?

You earn 100% of your commission minus our economical flat fee. There are no hidden layers—what you close is what you keep, minus one transparent flat fee.

How fast does KAM pay commissions?

KAM is known for fast commission payouts when transactions fund. Producers should confirm current payout timelines with the brokerage during onboarding.

How long has KAM been in business?

Kam Financial & Reality has been serving California loan officers and Realtors since 2012—a reliable brokerage with more than a decade of experience.

Who should join KAM?

Experienced loan officers and Realtors in California who want wholesale mortgage access, brokerage support, fast payouts, and a producer-focused commission model.

What loan products are available?

Conventional, conforming, FHA, VA, USDA, fixed and ARM, jumbo, super jumbo, non-QM, DSCR, bank statement, HELOC, stand-alone seconds, reverse, construction, commercial, SBA, and private money through approved wholesale lenders.

Does KAM offer non-QM or investor loans?

Yes—non-QM, DSCR, and bank statement programs are available through approved wholesale lenders. Guidelines, pricing, and availability vary by lender and scenario.

What areas do Realtors serve with KAM?

MLS access includes Greater Los Angeles, Riverside, San Bernardino, Orange County, San Diego County, and Imperial County.

Producer insights

Financial news

Housing trends, builder sentiment, bonds, and the 10-year Treasury—what matters for your clients and your pipeline.