At Morty, we\u2019re on a mission to modernize the mortgage experience, not just for borrowers, but for the brokers and loan officers who power it. That means delivering tools that reduce friction, enhance transparency, and give you more control at every step of the loan process.<\/p>\n\n\n\n
One area where control and flexibility matter most? Compensation.<\/p>\n\n\n\n
We build with and for<\/em> our partners; this week, we launched support for Borrower Paid Compensation (BPC), one of our most requested pricing features from the field. It\u2019s a small change with a big impact: giving brokers the flexibility to run borrower-paid deals directly in pricing. In a fast-moving and highly competitive mortgage landscape, brokers need the flexibility to meet borrower needs and business goals on a deal-by-deal basis. Compensation structure is a critical part of that.<\/p>\n\n\n\n With our latest Hemlock update, BPC is fully supported across the platform. Whether you’re pricing a deal, updating a transaction, or managing broker settings, you now have the ability to configure Borrower Paid Compensation exactly how you need\u2014quickly, clearly, and accurately.<\/p>\n\n\n\n Historically, brokers could only offer Borrower Paid Compensation if the lender on the deal was already set up to allow it. That meant:<\/p>\n\n\n\n That\u2019s not ideal when you\u2019re trying to deliver a seamless borrower experience\u2014or run your brokerage efficiently.<\/p>\n\n\n\n With this release, Hemlock users now have full flexibility<\/strong> to set BPC regardless of lender setup. That means:<\/p>\n\n\n\n For independent brokers especially, where margins, client expectations, and lender preferences can vary significantly from deal to deal, this feature opens up new ways to structure your business.<\/p>\n\n\n\n This release includes several key updates to how compensation is configured and managed in Hemlock.<\/p>\n\n\n\n You can now run borrower-paid pricing scenarios right from the pricing tool, even if the lender isn\u2019t explicitly set up for BPC. This gives you a real-time view of pricing options across borrower-paid and lender-paid structures, so you can offer more tailored advice to clients from the start.<\/p>\n\n\n\n Use case:<\/strong> You\u2019re working with a self-employed borrower who\u2019s trying to qualify with lower monthly costs. You want to run pricing comparisons between LPC and BPC options to see which structure offers better rate trade-offs. With this update, you can do that instantly\u2014without needing to switch lenders or change backend configurations.<\/p>\n\n\n\n In the Edit Transaction View, you can now set the entire transaction to Borrower Paid Compensation. This makes it easy to lock in the compensation structure once the borrower chooses their path\u2014and ensures that disclosures, data tracking, and processing align with the selected option.<\/p>\n\n\n\n Pro tip:<\/strong> If you update compensation after a loan is priced, be sure to recheck fees and borrower disclosures to confirm everything aligns correctly.<\/p>\n\n\n\n In the Admin tab, broker profiles can now be configured to default to BPC. This is ideal for partners or branches that primarily operate under a borrower-paid model. It saves time during setup and ensures consistency across all loan transactions created under that profile.<\/p>\n\n\n\n This update is designed for any broker or loan officer looking for:<\/p>\n\n\n\n But it\u2019s especially helpful for:<\/p>\n\n\n\n Borrower Paid Compensation isn\u2019t new, but having real flexibility<\/strong> to use it when and how you want is. With this latest update, Morty is removing roadblocks that slow down brokers and confuse borrowers\u2014replacing them with clarity, control, and confidence.<\/p>\n\n\n\n Whether you\u2019re pricing loans, managing a team, or scaling your brokerage, Hemlock\u2019s new BPC support gives you one more way to work smarter.<\/p>\n\n\n\n <\/p>\n","protected":false},"excerpt":{"rendered":" Pricing borrower-paid deals just got easier and more flexible At Morty, we\u2019re on a mission…<\/p>\n","protected":false},"author":30,"featured_media":15224,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","_lmt_disableupdate":"","_lmt_disable":"","_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"categories":[690,866],"tags":[],"series":[],"class_list":["post-15221","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-loan-officers","category-product-updates"],"acf":[],"yoast_head":"\n
Why does this matter? Because independence shouldn\u2019t mean limitations. Whether you\u2019re pricing a loan, quoting a borrower, or building your business, you deserve tools that reflect how you work, not the other way around.
This update reflects a core belief at Morty: listening closely, building fast, and turning broker feedback into real product improvements that support their bottom line.<\/p>\n\n\n\nWhy borrower paid comp matters to mortgage brokers<\/h2>\n\n\n\n
The limitations of lender-based BPC<\/h3>\n\n\n\n
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What the new BPC features unlock<\/h3>\n\n\n\n
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What\u2019s new: BPC support across Hemlock<\/h2>\n\n\n\n
1. Price borrower-paid deals directly in Hemlock Pricing<\/h3>\n\n\n\n
2. Set BPC on a loan-by-loan basis<\/h3>\n\n\n\n
3. Default BPC settings for partners<\/h3>\n\n\n\n
Who benefits most from this update?<\/h2>\n\n\n\n
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The bottom line<\/h2>\n\n\n\n