| Average Company | The AMG Way | |
| Loan Officer Commission Structure | Varies, typically 40% - 50% to loan officer | 75% Commission - $595.00 Banker or Broker…that simple |
| 2nd Mortgages | Same fee for 1st or 2nd regardless and some do not even allow them! | 75% Commission - $200.00 per Stand Alone or $100.00 per "Piggy Back" 2nd |
| Commission Pay Frequency | Once per month, sometimes twice. Loans pay out 30, sometimes 60 days after funding. | Every Friday like clockwork (See "weekly loan officer commission report") |
| Close as a Banker or Broker? | Can only close as a broker or must give company first right of refusal on all deals or no options |
Close loans as a Banker or Broker at your discretion |
| FHA? | None or need to send out for underwriting | Internal Full Eagle FHA Underwriting by staff Undwriters |
| Support Staff? | Inexperienced and minimal | Full processing, underwriting, closing, post closing, secondary, quality control, IT and human resources departments |
| Licensing? | On your own to apply and pay | Our licensing department will help you to apply for your loan officer license |
| Expenses? | You need to put down a personal credit card | We pay for all expenses up front and you pay them monthly out of your commissions |
| Experience | Opened during the boom and struggling to survive | 2011 marks Advisors Mortgage Group's 12th year in Business |
| Annual Audit Fees | You cover the cost or up to $1,000.00 per year | $0.00, you sell loans and we worry about Audits and Compliance |
| Loan Compliance & Audits | 72 hours to two weeks! | Loans are audited within 24 hours of receipt. AMG is one of the most proactive Fraud Prevention company in the industry |
| File Storage | You take the responsibility of storing them at your expense, taking up your space. | We digitally store the files, running quality control prior to archiving. Audits take place without you even knowing |
| Reverse Mortgages | What's a Reverse Mortgage? | Available through the AMG multiple investors |
| Individual | Do you know HTML? | Yes, loan officers get a dedicated e-mail, website and address that are easily customized |
| Marketing Support | Minimal, if any | Full line of customizable flyers and mailing pieces. Ability to participate in company wide mass mailers |
| Benefits | You're on your own | Full Medical, Dental, Vision and 401K programs with large group discounts |
| IT Support | You're on your own | Internal IT department available on demand every business day |
| Office Supplies | You're on your own | We supply all necessary office supplies to our loan officers |
| Overnight Mail | You're on your own | Bulk pricing through our preferred shipper UPS |