Broker compensation without raising cost to the borrower.
Broker fees and points are stacked on top of the requested LTV — pricing and qualifying stay at the original LTV, so brokers earn the same and borrowers see better terms than competitors offer.
What we do — and what we don't. Local Loan Store™ specializes in commercial, investor, and non-owner-occupied lending plus secured & unsecured business working capital. We do not originate personal loans or owner-occupied residential mortgages. If your scenario is personal or owner-occupied, we'll happily refer you to a trusted partner who is ready to help — just submit your inquiry and we'll route it to the right desk.
Quote the borrower at the base LTV
We stack broker comp on top — borrower pricing stays put
Disclosure and underwriting proceed as usual
Close at the same speed as the underlying program
% of value financed at purchase — click a bar to open the program
USD millions — click a bar to open the program
Lower band = best-case pricing. Hover for details, click to open the program.
Most lenders price up the rate when broker comp is added — LTV stacking moves comp to the LTV instead of the rate, which keeps the borrower's monthly payment lower.
Best fit for transactions where the property has room under the program's max LTV cap.
Compatible with most non-QM programs in our shelf.
Quick answers about LTV Stacking. Not seeing your question? Talk to a loan officer below.
Submit your scenario — a loan officer will confirm program fit and indicative pricing within one business day.
