Frequently Asked Questions – Mortgage Broker Partner Program


Partner Program FAQ

Is ICS a broker or lender?

ICS is a commercial mortgage lender and broker. We fund  loans in-house and broker loans to banks, credit unions, life insurance companies, and private lenders.

Does the online training program include cold-call and email scripts?

Yes. Our online training program includes cold-call scripts, email templates, and voicemail scripts, so you know exactly what to say when reaching out to property owners, realtors, loan officers, bankers, and other referral partners.

I want to sign up and start submitting loans. Do I have to complete training first?

Online Training is optional but highly recommended for all Partners that want to broker loans through ICS as the primary client contact Broker. Once you sign up, you will have immediate access to submit loans for funding and view our lenders, tools, and resources. 

How long does it take to get paid on deals?

Hard Money Bridge loans typically close in 30 days or less, so you would be paid in less than a month. However, if there are issues with the property, appraisal problems (if required), sometimes it can take a few extra weeks. We have seen bridge loans close in less than 2 weeks. Bank and institutional commercial and investment property loans take longer to close given stricter underwriting guidelines, with closing time-frames usually between 45 and 90 days. SBA commercial real estate loans can fund in approximately 60 days. 

What kind of loans does ICS fund?

ICS brokers income producing short-term bridge loans and conventional real estate loans through private lenders, banks, credit unions, life insurance companies, FHA, Fannie Mae, and Freddie Mac.

What is the commission split on deals closed through ICS?

Our Mortgage Partners earn 100% of their fees charged to the client. 

Can I broker residential home loans through ICS?


I'm a residential loan officer with a mortgage company / bank. Can I broker loans through ICS?

You do not work for ICS as an employee and get paid directly at escrow closing or on a contract 1099 basis through ICS depending upon the lender. Your employing bank or mortgage company should not have an issue with what services you use on an independent basis. We do not compete with residential home loan banks or residential mortgage companies, so there is no conflict of interest. If you are concerned about this, we encourage you to review your employment contract with your employing bank or mortgage company.

How many users can use a single training and lending platform account?

1 person per account. If you have a team of sales people that work under you, each person would need to sign up to access our training and lending platform tools and resources.

I'm an ICS Partner and have a loan to submit. Where should I submit the loan?

You can submit your loan request through or use your dedicated loan application link we provide you through the Lending Platform Dashboard.

When you sign up as an ICS Commercial Mortgage Broker Partner, are you an employee of ICS?

No, you are signing up with ICS as an independent contractor. It is not a W2 job. You are paid directly at escrow closing on most deals. In some cases, the lender will pay ICS directly, in which case you are paid within 48 hours of funding on a 1099 basis.

Is training provided?

Yes, we offer the most affordable online training program in the industry. It is optional but highly recommended.

What type of properties can I provide financing for through ICS?

ICS has hundreds of lenders you can broker loans through, so you will want to check each lender to see what loan programs and property types they work with. In general, ICS lenders fund non-owner occupied investment and commercial properties, including multifamily, office, retail, industrial, mobile home parks, churches, restaurants, specialty use, land, gas stations, and much more.

Is there live training by phone or in-person?

No, all training is online. However, your assigned Senior Partner at ICS will work closely with you on all loans you submit for funding, where you will learn a lot along the way.

Does ICS provide leads?

ICS provides realtor, residential loan officer, banker, and building owner contact information you can use to originate business. We do not sell leads through the website. That is not what we do. We have over 1.5M contacts you can download from our Lending & Training Platform.

What type of loans can I broker through ICS?

All non-owner occupied income producing property loans, fix and flip, and SBA commercial real estate loans. You can find hundreds of different loan programs across dozens of property types through our expansive lender network.

Can I work with ICS under my own company name?

Yes. You can originate loans independently using your own company brand, using our lenders, tools, and resources to broker your loans.

Can I use the ICS brand to originate loans.

Yes, our service allows you to use the ICS brand, including an ICS email, marketing materials, and your own ICS web application. This is optional.

How much does ICS charge for the Commercial Mortgage Broker Training online?

ICS charges $139 per month, billed monthly to your credit card. Training is optional but highly recommended.

Why does ICS charge a monthly fee for training?

We charge a monthly fee because this is a brokerage service provided to you, including training, our commercial lending platform, and an abundance of tools and resources not available anywhere else in the industry.

How long is the Commercial Mortgage Broker Partner agreement when I sign up?

Our service is a monthly agreement,  auto-renewing month-to-month until you cancel. Most brokers remain active throughout the year.

I only have one deal. Can I submit it to ICS?


Where is ICS located?

ICS is located in Seattle, Washington.

What states can I originate loans in when brokering through ICS?

You can originate loans nationwide through all our nationwide lenders.

Can I originate loans in other countries?

No, ICS does not have international lenders at this time within our network.

How long has ICS been in business?

ICS started out as a Commercial Real Estate Brokerage in 2009 and began brokering commercial and investment real estate loans in 2011.

I have a loan, but don't want to handle the client, can I refer it?

Yes, you can refer the loan by submitting it online. ICS pays a 20-30% referral fee at closing if you are not involved in the loan process.

How do I get support from ICS?

The best way to get support the fastest is to email us through our contact page on the website. A Support Manager will then get back to you via email or phone.

How do I sign up as an ICS Commercial Mortgage Broker Partner?

Go to

How do I cancel my training service with ICS?

Go to, then login and cancel your account.

Does ICS have a refund policy.

No. We do not provide refunds. You can cancel at anytime.

If I submit a loan through the website, does ICS contact my client?

For Brokers, absolutely not. If you request assistance processing, underwriting, and placing your loan with the best lender, we will confirm you agree to have us contact your client as needed? We contact all borrowers on deals submitted by Referral Partners.

What is the minimum loan size I can broker through ICS?

$100k is the minimum loan size we typically see. However, some of our lenders do fund smaller loans, but it is rare to see deals under $100k.

What is the maximum loan size I can broker through ICS?

There is no maximum loan size. Loan size requirements are based upon each lender.

Do I need a license to broker commercial and investment real estate loans?

That depends upon the state you are brokering the loan in. A loan officer or real estate broker license is required in California, Arizona, and Nevada. Check with your state to determine if you think you need a license. At this time, there is no license required outside of these 3 states listed. It is your responsibility to stay up on licensing requirements.

How do I pull a credit report for a client?

We recommend you have your client pull their credit themselves through Experian. This way, their credit is not affected. They can provide you that credit report.

How does ICS help package loans for lender review?

When you submit a loan online at ICS, you instantly receive an email with a link to the Loan Funding Package. You can share this link with lenders of your choice. They can review the loan via the Loan Funding Package link, including documents you uploaded at the time of submission.

How much do Commercial Mortgage Brokers make?

Full-time Commercial Mortgage Brokers are the highest paid professionals across the real estate industry. The average annual income of a full-time Commercial Mortgage Broker within 3 years is $350,000+. Many brokers earn in excess of $1M per year. Many Commercial Mortgage Brokers only originate a few deals a year, as a side business, so the income is much less.

Can I have my own website?

Yes, it's your business. You can promote your business in any way you like. ICS is a lending platform and training service to help you broker and fund the deals you originate through your marketing strategies.

How much do I charge per loan?

That is completely up to you. Most brokers charge 0.25% to 1% depending upon the deal size.

I have general questions. What should I do?

First, make sure those questions are not answering in the online training courses or this FAQ section. If you still cannot find the answer to your questions, email ICS through the "contact us" link at

Do I get an assigned manager or Senior Partner at ICS that can help me with my loans?

Yes. All Partners are teamed with a Senior Partner at ICS. 

I want to sign up just to learn, but am not sure if I will work broker any loans. Can I sign up just for training to see if this is for me?

Absolutely. Many people sign up for the training, and remain active to have continuous access to all our tools, resources, and new training courses that come out each month. You can always cancel whenever you like.