Loan officers, fully supported.

KAM is a licensed California wholesale mortgage brokerage—agency, government, jumbo, non-QM, reverse, commercial, construction, and private money through approved lenders.

Join as a loan officer Contact us

Credit reports, LOS, DU, LP, processing—and the support you need to grow.

Why California loan officers choose KAM

100% commission minus one economical flat fee, wholesale lender access, and fast payouts—built for MLOs who self-generate business.

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

Sound familiar?

Many experienced loan officers come to KAM for the same reasons top producers leave larger shops.

  • You want more lender and program options to get difficult files to the closing table.
  • Layered tech, admin, or processing fees are cutting into what you thought was a strong split.
  • You need responsive processing and operations—not weeks chasing conditions alone.
  • You want transparent economics without rate-sheet padding or surprise charges.
  • You are a California producer who values independence, fast payouts, and a brokerage that has been here since 2012.

What KAM provides loan officers

Tools and lender access so you can focus on clients and closings.

Wholesale lender access

Shop approved wholesale lenders across agency, government, jumbo, non-QM, reverse, commercial, construction, and private money.

Origination toolkit

Credit reports, loan origination software, DU, LP, and processing support.

100% minus flat fee

100% of your commission minus our economical flat fee—designed for experienced loan officers who want to earn more.

Processing & operations

Dedicated processing pathways so you spend more time with borrowers and referral partners.

Compliance support

Brokerage operations aligned with California wholesale and regulatory expectations.

California focus

Serve clients across California with a brokerage that understands wholesale and local markets.

Wholesale loan programs

Shop across program types—availability and guidelines depend on the wholesale lender and file scenario.

Agency & government

Core purchase and refinance programs for owner-occupied and second homes.

  • Conventional & conforming
  • FHA
  • VA
  • USDA
  • Fixed-rate & ARM

Jumbo & portfolio

Higher balance and portfolio solutions when agency limits do not fit the scenario.

  • Jumbo
  • Super jumbo
  • Portfolio products (lender-dependent)

Non-QM & investor

Alternative documentation and investor-focused options—guidelines vary by lender.

  • Non-QM
  • DSCR
  • Bank statement
  • Asset depletion (lender-dependent)

Equity & seconds

Tap equity or structure second liens where programs are available.

  • HELOC
  • Stand-alone second
  • Closed-end second (lender-dependent)

Specialty & commercial

Niche and commercial paths with lender-specific overlays and experience requirements.

  • Reverse (HECM & jumbo reverse)
  • Construction & renovation
  • Commercial & SBA
  • Private & hard money

Your origination stack

KAM provides loan officers with credit, loan origination software, DU, LP, processing support, and the operational resources experienced originators expect from a California wholesale brokerage. Programs and overlays change—your KAM onboarding team will walk through current lender access and workflows.

Frequently asked questions

Clear answers for loan officers and Realtors considering KAM.

Is KAM a wholesale mortgage broker?

Yes. KAM is a licensed California mortgage brokerage. Loan officers originate through approved wholesale lenders while KAM provides brokerage infrastructure, compliance support, and operations.

Can I keep my personal brand and book of business?

KAM is built for independent producers. You run your business, clients, and referral relationships—KAM provides the brokerage platform, economics, and tools.

Do you recruit processors?

Yes. Select the processor option on our join form or contact us to discuss third-party processing relationships for KAM loan officers.

Are rates or payouts guaranteed?

No. Rates, terms, programs, lender availability, and commission timing can change and are not guaranteed. All borrowers must qualify.

Producer insights

Financial news

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

Ready to make a change?

Join KAM—100% of your commission minus our economical flat fee, with the tools to earn more on every loan.

Apply now

Licensed mortgage brokerage in California.