A Mortgage Broker Referring Buyers to Realtors | No Fees

Referrals Flow Both Ways.
That Is What a Partnership Means.

LendFriend Mortgage refers pre-approved buyers to the agents we work with, at no cost and with no commission split.

$20M+

Referred in 2026

Buyer volume sent to partner agents this year alone

$200M+

Referred Since 2018

Pre-approved buyers introduced to our partners

Referral Fees. Ever.

No commissions, no strings attached, fully RESPA compliant

5.0

565 Google Reviews

Meet With Eric and Michael

We start with a short intro call or coffee. You will learn how we work, what we bring to your clients, and how buyer referrals move from our pipeline to yours.

Introduce a Buyer. We Handle the Rest.

Send us one client and watch how we work. Fast pre-approvals, proactive communication and a clean path from offer to closing, so you look even better.

Pre-Approved Buyers Sent Back to You

Our search, content and referral funnels generate high-intent buyers every week, and more than half of them do not have an agent yet. When they are ready to tour, we introduce them to the agents who have earned our trust.

How Highly Qualified, Nontraditional Buyers Find LendFriend

We have taken great pains to become experts in specialized loan products: jumbo loans, bank statement loans, asset depletion loans, DSCR loans, crypto mortgages and the rest of the programs below. Expertise alone does not bring a buyer to the door, though. Buyers find LendFriend Mortgage because of the groundwork we put into becoming educators. Our Learning Center holds more than 400 articles, each written to answer the exact question a buyer may be searching for. Education is key to becoming a name that buyers trust.

That groundwork now pays off in a new way. We study how ChatGPT, Gemini and Google’s AI results decide which lender to recommend, and the majority of our business this year has come through search and AI referrals. We teach what we learn to our partner agents, so the same engine that sends buyers to us can send buyers to you.

Explore the Specialized, Non-QM loan programs we are known for below, or review the full lineup on our loan options page.

Jumbo Loans

Financing above conforming limits for luxury purchases, with 10% down options and pricing that competes with private banks.

Bank Statement Loans

Self-employed buyers qualify on 12 or 24 months of deposits instead of tax returns that understate what they earn.

Asset Depletion Loans

Retirees and investors qualify on liquid assets rather than paychecks, without liquidating a portfolio to buy.

DSCR Loans

Investors qualify on the property’s rental income, with no personal income documentation and no cap on how many doors they own.

Crypto Mortgages

Buyers with significant Bitcoin or Ethereum holdings qualify without selling and triggering a taxable event.

RSU Mortgages

Executives count restricted stock unit income toward qualification without selling a single share.

Jumbo VA Loans

Eligible veterans finance high-value homes with no down payment and no loan limit, backed by the VA guarantee.

No Ratio Loans

Buyers with substantial assets and reserves qualify with no income documentation and no debt-to-income calculation.

Buy Before You Sell

Move-up buyers unlock the equity in their current home to make a non-contingent offer on the next one.

Texas

Our home market. Jumbo, bank statement and asset depletion buyers in Austin, Dallas-Fort Worth, Houston and San Antonio, plus a steady flow of relocations.

Florida

Second-home and relocation buyers in Palm Beach, Boca Raton, Miami, Naples and Tampa, many of them qualifying on assets rather than income.

California

Tech executives with stock and crypto, and jumbo buyers across Los Angeles, Orange County, San Diego and the Bay Area.

Illinois

Chicago, the North Shore and the western suburbs, where jumbo and self-employed buyers need a broker who can move quickly.

New Jersey

Bergen, Morris and Monmouth counties and the Jersey Shore, where high-value purchases call for jumbo and Non-QM expertise.

A Lender That Sends Realtors Referrals.

Eric and Michael started LendFriend to help buyers. Sharp pricing, honest advice and a process that respects the client’s time. That focus is what brought buyers to us in the first place.

Then a pattern emerged. More than 60% of the buyers coming to us had no agent, and they were asking us who to trust. We saw a chance to help them again, by connecting them with realtors who care about their clients the way we do. That is why we started our referral network.

Since Launching Our Referral Program

More than $20 million in buyer volume referred to partner agents in 2026 alone
Over $200 million in buyers referred since 2018
Not one referral fee paid or received. RESPA prohibits them, and the partnership is stronger without them
A funnel that keeps growing, delivering pre-approved, ready-to-buy clients every month

“Super impressed with how fast and smooth the whole process was — especially given my complex RSU comp structure that traditional banks kept discounting.

Eric and the team had no problem including my full base + RSU compensation. They were extremely fast, set clear expectations from the start, and followed through on everything they promised.

Honestly one of the easiest and most stress-free mortgage experiences I’ve ever had. Highly recommend!”

“LendFriend is the absolute best. I found them after I was denied by a lender due to an appraisal issue. I spoke with dozens of lenders, but LendFriend was the only one that could figure out a solution. They were able to close my jumbo loan in less than 3 weeks and hit my closing date. If you need a lender to step in and save the day, call LendFriend!”

“I recently used LendFriend for my home purchase, and they were fantastic! The team was professional, responsive, and truly caring. They explained everything clearly, answered all my questions, and made the process smooth and stress-free.

What really sets them apart is their forward-thinking approach—they accept cryptocurrency holdings as proof of income/assets, which was a game-changer for me and made qualifying so much easier. Communication was excellent, they secured a great rate, closed on time with no hidden fees, and their online portal was super easy to use.

If you want a modern lender that puts you first, embraces crypto, and delivers results, choose LendFriend. I’ll recommend them to everyone—thank you for making my dream home possible!”

“As a 1099 worker with non-traditional income history, Eric was able to think outside the box and help me find a mortgage for my first home. The company was always problem-solving and the process was seamless. I have already recommended them to several other friends and colleagues. If you are a non-traditional borrower or are looking for someone that can come up with creative solutions, check out LendFriend!”

“The team at LendFriend made buying our home in Florida so easy. We had an expiring lease and LendFriend was able to move very quickly to get us closed in under 30 days before the lease ended. They also got us a great rate on a jumbo loan and were available day and night to answer all of our questions. If you’re looking for a mortgage broker that makes the process stress-free while still getting you a great rate, you have to call LendFriend.”

“LendFriend made my homebuying experience so easy. As a business owner, I heard horror stories about how hard it can be for guys like me to get a mortgage. Thankfully I found LendFriend. Eric and the team had me approved in no time. My rate was great and they closed on time. Couldn’t ask for more.”

“Financing a home with acreage and unconventional retirement income can be overwhelming, but LendFriend Mortgage made the process smooth from beginning to end.

They were always quick to respond, answered every question we had, and explained each step in a way that was easy to understand. We always had direct access to the people actually working on our loan, which made the experience much less stressful.

What really stood out was that even after the loan funded, they continued helping and making sure we understood the next steps. There was never a feeling of “the loan closed, good luck.”

We truly appreciated the patience, communication, and support through the entire process and would absolutely recommend LendFriend Mortgage, especially for anyone with a unique financial situation or rural property purchase.”

“Eric and his team went above and beyond to help us with our home purchase. Our realtor recommended LendFriend to us and we couldn't have been happier with the recommendation. They were so nice and answered every question we had no matter how insignificant it seemed.”

Is there a fee to join LendFriend’s referral network?

No. There is no cost, no subscription and no catch. The network is built on mutual trust and shared results, not payment. All we ask is a chance to work with clients you care about, and we will show you why partnering with a mortgage broker who refers business back is worth it.

Do you pay referral fees or commissions on the business I send you?

No, and we never will. Section 8 of RESPA prohibits lenders and agents from paying or receiving anything of value for referrals, and every referral we make or receive is fully compliant. What you get instead is a partner whose pricing and service make you look good, and whose own buyers come back to you when they need an agent.

How do you decide which agent receives a referral?

Fit first: the buyer’s market, price point and timeline are matched to agents who work that territory. Beyond that, referrals go to agents who respond quickly, communicate well and have taken care of the clients we share. We also make the case to every unrepresented buyer that going without an agent is a mistake, so the introduction lands with a buyer who already values what you do.

How do you help homebuyers select the right realtor?

Most buyers who reach us through search have never hired an agent before, so we educate them before we introduce them. Our Learning Center walks buyers through the mistakes that go wrong without the right agent and the questions to ask when choosing a realtor. By the time we make an introduction, the buyer understands why an experienced local agent matters and is ready to work with you.

What if I don’t want to refer all of my clients to LendFriend?

That is fine. We are not here to take over your pipeline; we are here to earn it. You do not have to send us every client to receive referrals. Most agents start with one or two buyers, see how we stack up against their bank, and send more after hearing how their clients were treated.

My current lender has great rates. Can you compete?

Yes, and our pricing is often sharper than the competition. As a mortgage broker we shop each client’s loan across dozens of wholesale lenders, which means better pricing, more flexible guidelines and options banks cannot offer.

See for yourself by signing up for our Rate Alerts, or read how we suggest buyers shop for a mortgage rate.

What kinds of buyers do you work best with?

Highly qualified buyers with complicated finances are our specialty: self-employed clients, executives with stock compensation, retirees with significant assets, real estate investors and buyers holding crypto. We also excel with first-time buyers and high-credit borrowers looking for a better deal, and with jumbo, VA and investment property financing. Placing these loans takes a Non-QM mortgage broker with real depth, which is what lets us say yes when a bank has already said no.

How quickly can you pre-approve my buyer?

Same day in most cases, evenings and weekends included. We review income, assets and credit up front so the letter your buyer submits with an offer is a true pre-approval, not a pre-qualification that falls apart in underwriting.

Can you help a client who needs to buy before they sell?

Yes. Our buy-before-you-sell program unlocks the equity in a client’s current home so they can make a non-contingent offer on the next one, then sell on their own timeline. It is one of the most useful tools we offer listing agents, and we cover the questions homeowners ask most in our Learning Center.

Which states are you licensed in?

LendFriend is licensed in 18 states: California, Colorado, Connecticut, Florida, Georgia, Idaho, Illinois, Maryland, Michigan, New Hampshire, New Jersey, North Carolina, Ohio, Oregon, South Carolina, Tennessee, Texas and Virginia. That footprint also lets us help your clients buying second homes or investment property out of state.

What is LendFriend’s track record?

LendFriend is led by Eric and Michael Bernstein, who have personally originated over $1 billion in loan volume since 2019 and consistently rank among the top 1% of mortgage brokers nationwide. The firm has closed more than 6,000 loans and holds a 5.0 rating across 565 Google reviews. Our reputation is built on delivering for clients and agent partners alike, especially on the complex loans others turn away.

Sharper Pricing With Five-Star Service

As a broker we shop more than 40 wholesale lenders, so your clients get pricing that beats their bank without giving up white-glove service. Since our inception we have put clients above everything else.
10 Business Day Closings

Need to close quickly? Our average closing runs just under 21 days, and when the contract demands it we close in as few as 10 business days.
568 Five-Star Google Reviews

There is a reason LendFriend holds a 5.0 rating across 568 Google reviews. Your client’s experience with us reflects on you, and we treat it that way.
Same-Day Pre-Approvals

Offer deadline tonight? Our team pre-qualifies buyers in minutes and turns around full pre-approval letters the same day, evenings and weekends included.

Partner With LendFriend. Let’s Grow Together.

Referrals Flow Both Ways.
That Is What a Partnership Means.