Mortgage Broker Commissions in the USA: How They Work & What to Expect

Mendapatkan gadai janji adalah keputusan kewangan yang penting yang sering memerlukan kepakaran broker gadai janji. Profesional ini bertindak sebagai perantara antara peminjam dan pemberi pinjaman, membantu individu mencari pilihan pinjaman yang paling sesuai.  

Walaupun broker gadai janji menyediakan perkhidmatan yang berharga, adalah penting bagi peminjam untuk memahami bagaimana profesional ini diberi pampasan. Di Amerika Syarikat, komisen broker gadai janji memainkan peranan penting dalam proses pinjaman rumah. 

Siapa broker gadai janji? 

A mortgage broker is a financial professional who acts as an intermediary between individuals or businesses seeking a mortgage loan and the lenders who provide the funds for the loan.

Mortgage brokers help borrowers navigate the complex process of securing a mortgage by connecting them with lenders that offer suitable loan products based on their financial situation and needs. 

Memahami komisen broker gadai janji 

Komisen broker gadai janji adalah yuran yang dibayar kepada broker untuk perkhidmatan mereka dalam memudahkan permohonan gadai janji dan proses kelulusan. Di Amerika Syarikat, komisen ini biasanya datang dalam dua bentuk: yuran pendahuluan dan yuran berterusan. 

1. Bayaran pendahuluan 

• Yuran asal: Ini adalah bayaran pendahuluan biasa yang dikenakan oleh broker gadai janji. Ia biasanya merupakan peratusan jumlah pinjaman dan boleh berkisar antara 0.5% hingga 1.5%. Yuran asal mengimbangi broker untuk memproses permohonan pinjaman, menilai kelayakan kredit peminjam, dan menyelaraskan dengan pemberi pinjaman. 
• Loan discount points: Borrowers may also encounter loan discount points, which are upfront fees paid to reduce the interest rate on the mortgage. Each point typically costs 1% of the loan amount and can result in a lower interest rate, potentially saving money over the life of the loan. 

2. Yuran berterusan 

• Yield Spread Premium (YSP): While less common today, YSP is a commission paid by lenders to brokers for securing a loan with a higher interest rate than the borrower qualifies for. This practice has been subject to scrutiny, and regulations have been implemented to ensure that brokers act in the best interests of the borrower. 
• Komisen jejak: Dalam beberapa kes, broker gadai janji mungkin menerima komisen yang berterusan, yang dikenali sebagai komisen jejak, untuk kehidupan pinjaman. Komisen ini adalah berdasarkan baki tertunggak gadai janji dan memberi insentif kepada broker untuk mengekalkan hubungan jangka panjang dengan peminjam. 

Dalam tahun-tahun kebelakangan ini, perubahan pengawalseliaan telah bertujuan untuk meningkatkan ketelusan dalam industri gadai janji dan melindungi pengguna. Akta Pembaharuan dan Perlindungan Pengguna Dodd-Frank Wall Street, misalnya, memerlukan broker gadai janji untuk mendedahkan pampasan mereka kepada peminjam. Ini termasuk memperincikan yuran permulaan, mata diskaun, dan apa-apa yuran lain yang berkaitan dengan pinjaman. 

Berapakah pendapatan broker gadai janji? 

The annual earnings of a mortgage broker can vary depending on their location and the volume of business they conduct. Typically, their compensation is a percentage of the mortgage amount, making regions with high home prices more lucrative as borrowers in such areas often require larger loans.

Established and proactive mortgage brokers who engage in numerous transactions tend to earn more compared to those who are new to the field or work part-time. 

Pelbagai platform dan sumber dalam talian menyediakan pelbagai pendapatan purata untuk broker gadai janji bergaji setakat April 2023: 

• According to Indeed, national average base salary for mortgage brokers is $98,162 per year, with some receiving additional commissions. In specific areas like the San Francisco Bay area, the average salary was notably higher at $141,240, although based on a small sample size of just three brokers. 
• PayScale reports an average salary of $64,630 for mortgage brokers based on 57 reports, with commissions ranging from $12,000 to $178,000. Those with less than one year of experience had an average total compensation of $47,000, while those with over 20 years of experience averaged $69,000. These figures are derived from relatively small sample sizes. 
• Glassdoor indicates an average base salary of $136,620 for mortgage brokers, with a range from $111,000 to $352,000. Additional compensation, including cash bonuses, commissions, tips, and profit-sharing, is estimated at $55,484 per year. 
• Lastly, ZipRecruiter reports a national average mortgage broker salary of $129,346, with a range spanning from $11,500 to $297,500. 

Adalah penting untuk diperhatikan bahawa angka-angka ini adalah purata dan boleh dipengaruhi oleh pelbagai faktor, termasuk lokasi geografi, tahap pengalaman, dan keadaan tertentu broker individu. 

How mortgage brokers profit from transactions?

Mortgage brokers predominantly earn a commission based on the loan amount, usually ranging from 1% to 2%. This commission can be paid by either the borrower or the lender, and it is typically around 2% of the loan value. Larger loans result in higher commissions for brokers, creating a financial incentive for them to secure larger loan amounts for their clients. 

Since a mortgage broker's income is commission-based, it is directly tied to the transaction value. For instance, a broker charging a 2% rate on a $250,000 loan would earn $5,000.

However, factors such as the local real estate market and the broker's experience level can significantly impact their annual earnings. According to ZipRecruiter, the average annual salary for a mortgage broker in different states varies, with factors like demand and experience playing a crucial role. 

While mortgage brokers provide valuable services in simplifying the loan process, borrowers should be aware of potential fees. One way to mitigate costs is by obtaining multiple mortgage quotes from different lenders.

According to a 2018 Freddie Mac report, borrowers can save an average of $3,000 over the life of the loan by securing at least five quotes. If a broker's commission exceeds this potential savings, borrowers may consider exploring alternatives with different fee structures. 

Bagaimanakah broker gadai janji dibayar? 

The payment to mortgage brokers can take various forms, including cash or an addition to the loan balance. If the borrower is responsible for the fee, it is paid at the loan closing.  

However, if the lender covers the cost, it may be rolled into the overall loan amount, meaning the borrower still bears the financial burden. As fee structures vary among brokers, borrowers are advised to thoroughly understand the terms before committing to a specific broker. 

What affects a mortgage broker's pay? 

Mortgage brokers typically earn a base salary along with a commission that varies based on several factors, including loan terms, client agreements, and market conditions. 

1. The terms of the loan 

On average, mortgage brokers charge a commission of 2% to 2.5% per loan. However, federal regulations prohibit brokers from charging more than 3% of the total loan amount. For example, if a mortgage broker charges 2.25% on a $500,000 loan, they would earn $11,250 in commission. 

2. The agreement with the client 

Mortgage brokers can work for either borrowers or lenders, and their fees depend on these agreements. Lenders generally pay higher commissions than borrowers. When lenders compensate brokers, they typically pay between 0.5% and 2.75% of the total loan amount. If borrowers pay, brokers charge an origination fee, which is usually less than 3% of the loan amount. 

3. The housing market 

The local housing market also influences mortgage broker commissions. In highly competitive markets, brokers may lower their commission rates to attract more clients. In contrast, in less competitive markets with fewer options, brokers might charge higher fees. 

Pengiraan komisen broker gadai janji 

Mari kita pecahkan contoh bagaimana komisen broker gadai janji mungkin dikira.  

Oleh itu, dalam contoh ini, broker gadai janji akan mendapat komisen $ 3,000 untuk memudahkan pinjaman gadai janji $ 300,000 pada kadar komisen 1%. 

It's important to note that commission structures can vary, and some brokers may also receive additional bonuses or incentives based on factors like loan volume or client satisfaction.  

Additionally, brokers may receive commissions from both the borrower and the lender, or they may charge fees to the borrower in addition to or instead of a commission. Always refer to the specific terms of the agreement between the broker and the lender for accurate calculations. 

How can Compass simplify Mortgage Broker commission calculation? 

Here is how Compass, mortgage commission automation software, that might simplify mortgage broker commission calculations: 

• Integration with mortgage systems: Compass could integrate with various mortgage-related systems, such as loan origination software and customer relationship management (CRM) tools, to access relevant data for commission calculations. 
• Struktur komisen yang boleh disesuaikan: Platform ini mungkin membenarkan broker gadai janji untuk menubuhkan dan menyesuaikan struktur komisen berdasarkan perjanjian dengan pemberi pinjaman yang berbeza. Fleksibiliti ini memastikan pengiraan sejajar dengan terma khusus setiap hubungan pinjaman. 
• Automation of calculation processes: Compass could automate the calculation of commissions, reducing the need for manual input and minimizing the risk of errors. Automation ensures that calculations are performed consistently and efficiently. 
• Real-time data updates: By accessing real-time data, Compass can provide accurate and up-to-date commission calculations. This is crucial in a dynamic mortgage market where rates and terms can change frequently. 
• Pengurusan pematuhan: Platform ini mungkin menggabungkan ciri pematuhan untuk memastikan pengiraan komisen mematuhi peraturan dan piawaian industri. Ini membantu broker gadai janji kekal mematuhi keperluan undang-undang. 
• Transparent reporting: Compass might offer reporting tools that provide detailed insights into commission earnings. Clear and transparent reports help mortgage brokers understand how commissions are calculated and provide a basis for communication with clients and lenders. 
• Error reduction: Through automation and validation mechanisms, Compass could help reduce the likelihood of errors in commission calculations, minimizing the risk of financial discrepancies and disputes. 
• Workflow optimization: Compass may streamline the overall commission workflow, from data entry to payment distribution. This optimization can save time for mortgage brokers, allowing them to focus on building client relationships and growing their business. 
• Integrasi dengan sistem perakaunan: Platform ini dapat disatukan dengan lancar dengan sistem perakaunan, memudahkan pemindahan lancar data komisen untuk pengurusan dan pelaporan kewangan. 

Kesimpulan 

Mengemudi dunia komisen broker gadai janji di Amerika Syarikat memerlukan pemahaman yang jelas tentang pelbagai yuran dan bagaimana ia memberi kesan kepada kos keseluruhan gadai janji. Apabila peraturan terus berkembang, peminjam boleh mengharapkan ketelusan dan perlindungan yang meningkat. Apabila bekerja dengan broker gadai janji, komunikasi terbuka mengenai yuran dan pampasan adalah kunci untuk memastikan perkongsian yang berjaya dan saling menguntungkan. 

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