CHER - Grow as a Loan Officer OR Realtor

Grow as a Loan Officer OR Realtor.

Be part of the most innovative real estate & lending model in the U.S.

Apply Now to Join CHER®

Work smarter, earn equity, and expand your business with unmatched tools and leads.

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Access to Top Lenders

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Why Join CHER®

Top-Tier Lending Access

Provide your clients with any kind of loan with our top lenders.

Tech That Converts

Leverage Arive, smart CRM tools, and automated follow-up—built to help you close more deals.

Exclusive Lead Flow

Through NestNavigate™, our strategic partner, you'll access insterested buyers.

Dual Agent Power

Be both a Realtor and MLO, with flexibility to maximize your income streams.

Co-Ownership Model

Help homebuyers build equity and long-term wealth with innovative programs.

1-on-1 Coaching

Personalized growth plans that scale with you and your business goals.

Mortgage Calculator

Calculate your monthly mortgage payment with precision

Loan Type

Loan Details

CA Median: $834,400
$100k$2M+
Conventional loans typically require 3–20% down payment
20%
3%50%
Current CA average: 6.75% for 30-year fixed
%
2%10%
740+
500580620680700720740+

Additional Costs

California average property tax rate is 0.73%
%
/mo
/mo
PMI
Private Mortgage Insurance is required when down payment is less than 20%
$0 /mo

Monthly Payment

$2,599

Total Monthly Payment

Principal & Interest $2,599
Property Tax $304
Insurance $150
HOA Fees $0

Loan Summary

Loan Amount$400,000
Down Payment$100,000 (20%)
Loan Term30 years
Interest Rate6.75%

Total Cost

Total Loan Cost$935,640
Total Interest$535,640
Payment Breakdown
Get Pre-Approved

This calculator provides estimates for informational purposes only. Actual loan terms and costs may vary.

California conforming loan limits: $726,200 (single-family) to $1,089,300 (high-cost areas)

Featured Partner: NestNavigate™

Through our strategic partnership with NestNavigate™, CHER® professionals gain exclusive access to a curated network of pre-qualified buyers and cutting-edge lead intelligence.

NestNavigate™ data-driven approach ensures you connect with motivated homebuyers at the perfect moment.

  • 🚀

    Advanced Buyer Matching

  • 📊

    Pre-qualified Homebuyers

  • 💡

    Seamless CRM Integration

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What Our Team Members Say

"I finally feel like I'm building something that's mine. The support system and equity model at CHER® has completely transformed how I view my career in lending."

S

Samantha

Realtor at CHER®

"In just a few months, I expanded my pipeline and recruited my own team. The dual-role flexibility and coaching have been game-changers for my growth."

J

Jeff DuPas

Growth Leader at CHER®

How It Works

1

Apply & Get Approved

Submit your application and meet with our team.

2

Onboard with a Coach

Get personalized training and business planning.

3

Daily Leads & Tools

Leverage our platform to grow your pipeline.

4

Close, Build Equity, Grow

Expand your business and build long-term wealth.

What We're Not

We believe in transparency. Here's what you should know before applying:

We don't guarantee buyer leads — we provide the platform, coaching, and lead flow, but success comes from action.

We don't promise high margins on day one — we build long-term value through ownership and scale.

Not a fit for Realtors who want traditional hand-holding — this is a modern model for entrepreneurial pros.

Who We're Looking For

Ideal Candidates:

  • Licensed Loan Officers with at least 1 year of experience
  • Comfortable with digital tools and remote work
  • Interested in building a business within a business
  • Entrepreneurial mindset with team-building ambition
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Ready to Join CHER®

Fill out the form below to start your application process.

Download

Access tools and calculators designed to help you grow at CHER®.

PDF ~1.2 MB

Buyer Consultation Guide

A step-by-step outline to run effective buyer consultations.

XLSX ~240 KB

Lead Pipeline Tracker

Spreadsheet to track pipeline stages, sources, and close rates.

DOCX ~180 KB

Open House Toolkit

Scripts, sign-in sheets, and follow-up prompts that convert.

Ready to Own Your Pipeline and Your Future?

Apply Now to Join CHER