Lender Partner Program

Pre-screened borrowers.
No cold leads.
No shared lists.

KnowBeforeYouClose screens mortgage borrowers who have requested a second opinion on their Loan Estimate. When a borrower is a fit, you receive a direct introduction — not a lead.

100%
Borrowers personally screened
1:1
Exclusive introductions
Retainer
No per-lead pricing. Ever.
The Process

How the pipeline works

From borrower audit to lender introduction — every step is deliberate.

01Borrower

Borrower audits the numbers from their Loan Estimate

A borrower receives a Loan Estimate from their current lender and wants to know if the numbers are fair. They enter the key cost and rate details into KnowBeforeYouClose for an independent review.

02Audit

We analyze the key inputs and flag cost discrepancies

Our platform evaluates the key cost and pricing inputs from the borrower's Loan Estimate — origination fees, title charges, discount points, prepaid items — and generates a deal score with flagged discrepancies.

03Screening

Borrower requests a second opinion

If the borrower wants a better option, they request an introduction. We conduct an intake call to understand their loan goals, timeline, credit profile, and motivations.

04Introduction

You receive a direct introduction

If the borrower is a fit for your profile and states, we introduce you directly. You receive the borrower's contact information, loan details, audit findings, and our screening notes.

Why It's Different

Not leads. Introductions.

Cold internet leads
✕
—Unverified intent
—Shared with multiple lenders
—No context on borrower situation
—Race to the bottom on rate
Trigger leads
✕
—Sold immediately after credit pull
—No screening, no context
—Adversarial experience
—Volume over quality
KBYC Partner intro
✓
✓Borrower has been audited + screened
✓1:1 — not shared with other lenders
✓You receive founder screening notes
✓Borrower is actively motivated
Partnership Structure

Simple, transparent model

No per-lead pricing. No hidden fees. One onboarding cost, one monthly fee, one performance fee.

One-Time Onboarding
$750 once

Covers partner activation, dashboard setup, calendar connection, and state allocation. Charged once before your first introduction.

Monthly Retainer
$1,500/mo

Flat monthly access fee. Includes up to 15 qualified borrower introductions per calendar month. Billed on the 1st.

Performance Fee
$500/funded loan

Paid only when a loan funds. Invoiced within 30 days of funding confirmation. No fee on deals that don't close.

Up to 15 introductions/month
Resets on the 1st of each month
Exclusive, 1:1 introductions
Not shared with competing lenders
State-specific allocation
Matched to your licensed states
Applications reviewed directly by the founder. Qualified partners are typically contacted within 1–2 business days.
What you receive with every introduction
✓
Borrower contact info
Name, phone, and email — revealed only after the founder has approved the introduction.
✓
Loan details + audit findings
Loan amount, product type, estimated closing costs, deal score, and all flagged cost discrepancies from the audit.
✓
Founder screening notes
A written summary from the intake call — borrower's motivation, timeline, credit context, and what they're looking for from a new lender.
F
KnowBeforeYouClose was built by someone who spent years inside mortgage lending and watched borrowers get overcharged at the closing table. This platform exists to fix that — and the partner program exists to connect motivated, informed borrowers with loan officers who can actually deliver.
FOUNDER, KNOWBEFOREYOUCLOSE

Ready to receive better introductions?

Partner access is limited and activated state by state. Apply to see if your market is available.