Multiple Income Streams
70% LO commission, real estate commission, recruiting bonuses, and referral income — all from the same platform.
Dual Career Opportunity
Close the Deal.
Close the Deal.
Fund the Loan.
Get Paid Twice.
You're already guiding clients through one of the biggest financial decisions of their lives — why not be part of both sides of the transaction? As a licensed Loan Officer and Real Estate Agent under Heritage Financial and Taylor Properties, you can now legally earn on both the sale and the mortgage.
The Math
What dual income actually looks like.
A single $400,000 transaction. Two revenue streams. One person.
Traditional Path
LO Only
$400k purchase · 180 bps · 70% split
Loan commission
~$5,040
Real estate commission
$0
Total per transaction
~$5,040
Dual Career Path
2× Earning PowerLO + Agent
$400k purchase · same deal · both sides
Loan commission
~$5,040
Real estate commission (buyer's side ~2.5%)
~$7,000
Total per transaction
~$12,040+
Estimates vary. Based on example figures.
Annual Income Potential
Based on closing volume — estimates only.
12 closings/yr — LO only
$60k
12 closings/yr — Dual
$144k+
Figures are illustrative estimates based on average transaction sizes in our markets. Actual results vary.
The Path
How it works.
You don't have to choose between being a great LO and a great agent. Here's how the dual path comes together.
01
Get Your Real Estate License
Maryland and the surrounding states allow LOs to hold an active real estate license. We'll guide you through the licensing process and cover the details.
02
Join Taylor Properties
Our sister brokerage — one of the largest independent real estate firms in Maryland — brings you in as an agent. You keep your LO role at Heritage Financial simultaneously.
03
Work Both Sides of the Deal
When you represent a buyer or seller as an agent, you also originate their mortgage as their LO. One client. Two commissions. Completely legal under current NAR and state guidelines.
04
Keep 70% + Bonuses
Your LO split stays at 70%. Your real estate commission is on top. Add recruiting bonuses and referral income and you have a compensation structure few companies can match.
Why Heritage + Taylor
Everything you need. Both sides.
No Production Quotas
Build your dual business at your own pace. No arbitrary minimums on either side.
Streamlined Tech
One integrated tech stack for both the lending and real estate sides. Less friction. More closings.
Full Operational Support
Processing, title, compliance, and marketing — all in-house. You focus on clients.
1,000+ Agent Network
Taylor Properties' agents are your colleagues and referral partners from day one.
One Relationship. Two Paychecks.
Your clients already trust you. Now that trust pays off on both sides of the transaction.
Let's Talk
Interested in the dual path?
Fill out the form below and our hiring lead will reach out to walk you through the specifics — confidentially.
Heritage Financial is an equal-opportunity employer. Taylor Properties is an equal-opportunity brokerage.