Before you make a move

Questions to Ask Before You Move Your Mortgage Branch

Moving your branch is one of the biggest decisions in your career. These are the questions that actually matter — and what a straight answer looks like — so you can compare a mortgage branch partnership on substance, not a pitch.

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1. Do I keep my database and clients?

Your past clients and referral partners are your business. Make sure ownership of that database transfers with you and is yours to export — not the company’s. At PRMI, branch partners own their database.

2. Do I own my personal brand and marketing?

Your name, your social, your reviews, your content — confirm they stay yours. PRMI branch partners keep their personal branding assets.

3. Will I see my full branch P&L?

You can’t run a business on numbers you can’t see. Ask for complete branch P&L transparency, not a summary. PRMI gives you the full P&L.

4. How is my compensation actually calculated?

Get the real structure in writing — how splits work and whether there are fees that quietly erode them. Clarity up front beats surprises later.

5. What operations and underwriting support will I have?

Ask about in-house underwriting, turn times, and who owns the file when it gets hard. Support is what protects your reputation at the closing table.

6. What products can I actually offer?

A broader menu means you say yes to more of your market. Confirm access to conventional, government, jumbo, and non-QM / self-employed options.

7. What marketing and technology comes with the platform?

Real support is a borrower-acquisition system, not a logo. Ask to see the actual marketing and tech — and whether you keep it if you leave.

8. How fast do loans close?

Speed wins referrals and repeat business. Ask for the average purchase-loan close time. PRMI averages about 36 days, application to funding.

9. What does the transition look like?

The real question is momentum: how do you move licensing, pipeline, and team without a dead month? Ask for the concrete plan.

10. Who is behind the company?

Stability matters when rates move. Ask about track record, leadership, and how long they’ve operated. PRMI has funded loans for about 28 years.

Straight answers

Common questions

How long does it take to move a mortgage branch?
It varies by state licensing and team size, but the right partner gives you a concrete transition plan so you keep your pipeline and momentum instead of losing a month.
Will I lose loans in my pipeline when I switch?
With a planned transition, in-flight loans and your database move with you. Ask any prospective company to walk you through exactly how they handle it.
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