Conventional & government
Conventional purchase (standard W-2 income)
Closes itJill's pick
Jill Hartley
VerifiedFounder at Pinecrest Home Lending
About $392K a year on your production. See how
At a glance
Jill at Pinecrest Home Lending
- How you're paid
- W-2, basis points
- Join as
- W-2 or 1099
- Where you work
- Hybrid
- Headquarters
- North Carolina
- Pitch
- 1 minute
- Video testimonials
- 2
What you'll get here
From Jill, in Jill's words
A desk where the hard files get a real underwriter's eyes before they ever reach underwriting, a processor who is yours and included, and a platform fee you can explain in one sentence. You keep your name, and your referral partners keep hearing from you.
How Jill leads
Slow and measured. I hire referral based originators one at a time and spend your first two to four weeks beside you.
The pitch
Hear it from Jill
What you'd make here
Try a volume
What an LO would make, a year after fees
$268K
Under $20M tier
- Commission
- $340,000
- Per-loan fees
- −$48,329
- Payroll pass-through
- −$23,800
Bonus, shown apart from the estimate. Talked through in your first meeting.
The support you'd get
Non delegated on agency and non QM, and we broker about a quarter of our volume out when another lender fits the file better. Processing is all in house and included; your processor picks your file up the day you submit and stays with it to the closing table. Two former senior underwriters sit with us and pre underwrite every file before it goes in, so the first look comes back in a day. You work in Arive with Salesforce, Homebot and Sales Boomerang behind it, and your out of pocket expenses are covered. The platform fee is $995 per closed loan ($495 under $100k) and payroll runs at 7% off the bottom. Full health and dental with half paid, and a 401(k) with a 5% contribution and a 4% match.
- Processing. All in house and included: one processor, yours from submission to funding.
- Underwriting. Two former senior underwriters pre underwrite every file; the first look comes back in a day.
- Marketing. Homebot and Sales Boomerang keep your past clients warm; co branded pieces come from our desk.
- Coaching. A weekly pipeline sit down with me and whoever you want in the room.
- Technology. Arive, Salesforce, Homebot and Sales Boomerang, all paid for.
- Your first 90 days. Your first two to four weeks are mine: we set up your database, your pricing and your first ten files together.
Scenarios they close
12 scenarios Jill's team closes
Conventional & government
FHA, including 580–620 FICO
Closes itJill's pick
Self-employed & alt-doc
Bank-statement (12/24 months)
Closes itJill's pick
Conventional & government
VA, including VA jumbo
Closes it
Conventional & government
USDA
Closes it
Conventional & government
Down-payment-assistance programs
Closes it
Jumbo & affluent
Jumbo, standard income
Closes it
Self-employed & alt-doc
P&L-only or 1099-only
Closes it
Investor
DSCR, including through an LLC
Closes it
Jumbo & affluent
Jumbo, asset-based or unusual income
Brokered out; 700 FICO and 20% down
With conditions
Property & project
Non-warrantable or review-required condo
Brokered out; 10% down minimum
With conditions
Other
Recent credit event (BK/FC < 4 years)
Two years out of a BK or FC, 640 FICO and up
With conditions
Proof
From the LOs who work with Jill
Renee
Tomas
Meet the team
The people you'd work with
Where's the culture?
Culture is easier to show than to claim, so you'll hear it in the pitch: how Jill runs a week and handles a hard file.
How files move here
From application to clear to close
- A typical file clears to close in
- 19 days
- Nine in ten files clear within
- 27 days
- First underwriting answer, typically
- 1 day
Reported by the shop, not verified by our team.
Questions LOs ask
What LOs ask Jill first
What does the $995 cover?
Everything the file touches: processing, the pre underwrite from our two senior underwriters, Arive, Salesforce, Homebot and Sales Boomerang, and your out of pocket expenses. Under $100k the fee is $495.
Do I keep my own name?
Yes. You originate under your own name and your own DBA if you have one, and your referral partners keep hearing from you, with our paper behind you.
How fast is the first UW look?
One day, median, over the last twelve months. Two former senior underwriters pre underwrite every file before it goes in, so what comes back is a clean approval or a short list you can clear.
What is the 7% off the bottom?
Payroll. Your bps are earned on the loan, the platform fee comes off, then 7% covers payroll taxes and the benefits side. It is the only other deduction.
What about health and retirement?
Full health and dental with half of the premium paid, and a 401(k) with a 5% contribution and a 4% match.
The whole time
What Jill sees of you
Reading as
Hardy-Flora-88
A handle, a range, your words. Turn the card to see her side.
Anonymous cardVerifiedShowHide
Their book, in their words
My book is about seventy percent purchase, almost all of it referred by six realtor teams I have worked with across Raleigh, Cary and Durham for the better part of a decade. The rest is past clients coming back to refinance or buy their next home, and a small amount of builder business from one townhome developer in Apex.
What they want next, in their words
I want a shop where underwriting answers in a day and my processor stays with the file, so I can promise my agents a clean closing date and keep it. Comp matters and I want a plan I can explain, but I would take a slightly lower number for a team I trust and a leader who still originates.
- Production
- $20–40M
- Licensed
- NC, SC, VA
- Authorised as
- State licensed
- Experience
- 8-15
- Current shop
- Independent mortgage bank, retail
- Purchase share
- 70%
- Sources
- Realtors, Past clients and referrals, Builders
- Top scenarios
- Conventional purchase (standard W-2 income), FHA, including 580–620 FICO, VA, including VA jumbo
- Timing
- In the next 3 months
- Relocation
- No
- Moves with a team
- No
Operations that close on timeMore money on the same productionStability and leadership I trust
This is everything you can see until they book a meeting with you.