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The Next Generation Of Agents Powered By AI

What is a Hybrid Agent?

A Hybrid Agent is someone who serves as the licensed real estate agent and a mortgage loan originator on the same real estate transaction.  Our hybrid partners provide real estate and digital mortgage services to clients for an all-in-one, full-service experience.  Hybrid Agents are changing the home buying experience by offering a better, faster, and simpler service and clients are loving it.


There are many advantages to becoming a hybrid agent:

1) Control over your deal – You have more insight and more control over the process as you can now see the loan system, see the conditions, know when the title/appraisal are ordered, and more.  More control is always a good thing.
2) Providing a Better experience –  It means you can offer a better experience for your clients as you become their main point of contact for both sides of the transaction. They already trust you, they already have a good relationship with you. No more wondering if the loan officer is communicating enough, or if they are taking care of your clients….  
3) The ability to help – You can handle loans all over the country!  If your sellers are moving out of state, you can get paid the referral fee on the real estate transaction, and you can help them on the mortgage side. Ensuring they get the same great service you are known to provide! 
Let’s not forget the benefit of getting paid on both the real estate transaction and the origination of the mortgage loan.

Is There A Hybrid Agent Support Team? 

Yes! Our Hybrid support team consists of a experienced loan officer, team manager, plus a team of processors and underwriters.  The support team is designed to handle the client experience from start to finish, so our Hybrid Agents continue to do what you do best (REAL ESTATE).

Our Tech

Artificial Intelligence and data-driven algorithms have brought life to a new generation of real estate professionals called Hybrid Agents.

With the latest cutting-edge technology, we’ve been able to develop a tool for Hybrid Agents to offer homebuyers and owners digital transparent mortgage services while increasing productivity and bottom line income.

Here's How Our Tech Works

Part 1.  The Perfect Loan Application

Hybrid is designed to ask clients the exact questions needed to complete a full mortgage application in a conversational style that’s easy to understand.   Based on the client’s answers, Hybrid has the ability to ask additional questions to make sure nothing ever slips through cracks.  Say goodbye mortgage reps and say hello to Hybrid Agents.  

Part 2.  Amazing Credit Review

Once the mortgage application is complete, Hybrid pulls a credit report and in seconds reviews the credit scores, outstanding liabilities, and minimum payment obligations while giving the client the ability to make changes.  

For example, a credit card debt might have been paid off or down. Clients can quickly change the amount owed and update minimum payment obligations. 

Part 3.  Digital Asset Verification

Clients won’t have to search for bank statements from multiple accounts to verify their assets.  Through Hybrid’s integration with major US Banks, clients can digitally verify their assets in seconds through their secure bank portal, providing updated copies throughout a purchase transaction.  

Here’s how it works: Let’s say a client has their down payment money in a savings account with Chase Bank and another account with Wells Fargo. Hybrid’s digital integration verifies the assets in seconds, reviews and approves the down payment reserve requirements.

Super secure, super fast and super cool, right? 

Part 4.  Automated Underwriting Approval

Hybrid then verifies the client’s self-reported income and runs the loan application through an automated underwriting system taking the guesswork out, streamlining the process by replacing mortgage reps and underwriting departments.

Approvals are issued out in seconds, savings clients and Hybrid Agents time and money. 

Part 5.  Approved Loans & Rates

After the approval is complete, Hybrid runs through thousands of programs to present a list of all of the available approved loan options — But hold on, there’s more. 

Each loan option comes with a set of interest rates and a detailed fees worksheet. Clients can review and select the option that works best for them.  

This is a huge deal because it protects clients from unlawful practices known across the mortgage industry.  Practices like when mortgage reps only show the client loan options that benefit them, not the client.

Once a rate is selected, Hybrid outlines lender, third party and escrow costs associated with a selected loan. Transparency is the name of the game here folks, and through technology, we’re able to offer clients just that.  

Clients and real estate agents no longer have to wait days for mortgage companies to manually complete a review by hand. It’s all done with a few clicks and the best part about it is that it’s done without human error, greed, or personal opinions.  It’s all done on math and data.  Super Safe.    

Part 6.  Pre Approval Letter

Once a loan option and interest rate are selected, a client can either download a pre-approval letter or continue to submit their loan application to processing. 

Part 7.  Submit To Processing

Woooohooooo, the offer was accepted. Submitting a pre-approved loan application to processing with Hybrid takes minutes – A client goes back into Hybrid, updates any changes to the purchase price and loan amount, and hits refresh.  Hybrid recalculates the scenario in a few seconds while updating the loan options and interest rates.  

The client can select an updated interest rate and mortgage disclosures are autogenerated in seconds with the ability to e-sign on the spot.  

Once the mortgage disclosures are complete, the client can order the appraisal and upload any additional conditions Hybrid requests.  For example, a copy of a drivers license or most recent paystub.  

Through Hybrid, we’ve seen clients get pre-approved in under 8 minutes and submit a full loan application to processing in 15 minutes.  

A process that use to take days or weeks to complete is now done in minutes. 

Compensation Model

A Hybrid Agent is a licensed Mortgage Loan Originator that facilitates mortgage loans for borrowers for compensation by Brighton Bank on a set percentage of the loan amount.  

Hybrid Agent gets compensated on:  

  1. Personal Loan Origination

  2. Real Estate Commission 

  3. 10x Team Building 

1.  Personal Loan Origination 

When a Hybrid Agent provides borrowers with mortgage services through our Hybrid Mortgage Application, they receive compensation based on a percentage of the closed loan amount.  

Here’s an example of a Hybrid Agent Comp Plan.  

Kelly, a Hybrid Agent with Brighton helped Sally not only find a home but obtain a conventional mortgage through the Hybrid App.  

Purchase Price of the home was $500,000 
Down Payment was $100,000 (20%)
Final Closed Loan Amount was $400,000.   

As a Hybrid Agent, Kelly’s compensation agreement is at 50 basis points of a loan amount.  Kelly’s commission payout for a $400,000 loan amount was $2,000.  

Compensation for Hybrid Agents does not vary.  The percentage remains the same for all Loan Amounts up to $453,100 or $679,650 for high-cost areas.  

The Hybrid Agent can now be involved in the origination of a mortgage transaction for any loan program. 

2.  Real Estate Commission

 As a Hybrid agent you get paid your normal real estate commission in addition to your Loan Officer Commission.  

3. Team Building Comp Plan (TBCP)

Hybrid Agents can also participate in the 10x Team Building Comp Plan. Yes, it’s a mouth full but trust us, if you’re considering the Hybrid Agent Program, you’ll want speak to one of our Hybrid Account Managers to learn as much as you can about 10x TBCP.

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Q: Do I have to leave my real estate brokerage? 

A: No. Nothing changes on the real estate side. You continue to work for your brokerage, and operate as normal. You join our bank as a part time W2 employee. As such you can serve as a mortgage originator.  


Q: Is there training?

A: Yes, of course!  We built our name on being subject matter experts, and the best in our industry.  We will pass that knowledge to our hybrids so that they can intelligently and correctly guide their clients.



Q: What do I need to do to be compliant? 

A: Our technology does most of the work that a loan officer would normally do, thanks to that, you are responsible for providing the application link, and discussing the rate, terms, and payment. 



Q: Who provides the disclosures? 

A: We provide all the legal disclosures that need to be provided to the client, that informs them you will be serving in a dual capacity; as both the realtor and loan officer. 


Q: Do I have to be a veteran to be a hybrid agent?  

A: No. The Veteran Lending Team is comprised of all U.S. Military Veterans, however our hybrid partners are comprised of folks from all walks of life. 


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Whether you’re ready to apply now, or simply looking to explore your options, this is the easiest way to get started. Our all Veteran Team of experienced lending professionals stand ready to listen to your situation and give you No BS, No Nonsense, advice.