Internal LO Referral Program

Your Spanish-speaking client deserves a bilingual expert. You deserve the credit.

Don't lose a Spanish-speaking borrower to another lender. Partner with Rob Garcia — native Spanish-speaker, 20+ years in fintech and mortgage leadership — and keep your client, your trust, your commission.

See the Numbers
A
35 bps · Pass it over
B
50 / 50 · Full Support
C
35 bps to Rob · You drive
EN · ES
Bilingual
Rob Garcia
Rob Garcia
Senior Partner
NMLS #2378922
"Every borrower deserves to understand their loan in the language they think in. Hablamos español — con confianza."
Call(408) 802-5840
Emailrob@partnersmortgage.com
Three Ways to Partner
A · Referral LeadPass it over · Rob runs it
35 bps
B · Full SupportRob drives · You partner on workload
50 / 50
C · Critical TouchpointsYou drive · Rob supports in Spanish
35 bps→Rob
The Opportunity

A market you're already walking past every week.

The Hispanic community is the fastest-growing homebuyer segment in America, and it's not close. Yet most loan officers can't fully serve Spanish-preferred borrowers — not because they lack expertise, but because trust, nuance, and the vocabulary of a mortgage simply don't translate under pressure.

That's a problem when a first-time buyer's parents are on the call, when the disclosure set arrives in English only, when the realtor is bilingual and expects the lender to be too. It's also an opportunity. Clients you currently refer out — or lose altogether — can stay in the Partners family.

"If the borrower's first language is Spanish, their experience should be in Spanish. Punto."

Rob Garcia is your answer. Refer the client, choose how involved you want to be, get paid. No lost relationships. No awkward handoffs. No language-barrier dead ends.

63M+

Hispanic population in the U.S.

Roughly 1 in 5 Americans. The largest minority group in the country and growing every year.

#1

Fastest-growing homeownership segment

Hispanic homeownership has posted net gains every year for the last decade — outpacing every other demographic.

CA · NV

Where the density is densest

Rob's primary coverage states are also the two states with the highest Hispanic buyer activity on the West Coast — with Arizona coming online soon.

Who to Refer

Spot the right client. Make the intro.

You don't need to memorize a new product. You only need to recognize the signal. When any of these show up in your pipeline, that's Rob.

🗣

The Spanish-preferred borrower

Your client understands English but does their real thinking — budgeting, family conversations, worry — in Spanish. The most important financial decision of their life deserves their native language.

Signal: asks to "switch" mid-conversation
👨‍👩‍👧

The bilingual household

The borrower speaks English. The co-signer, the parent helping with the down payment, or the decision-maker in the family does not. Rob keeps everyone at the table, fluent, informed, and comfortable.

Signal: "My mom has to approve"
🔑

The first-time Latino buyer

Homeownership is generational. A first-time Hispanic buyer often carries an entire family's expectations. That weight deserves a lender who shares the cultural context, not just the product sheet.

Signal: multi-generational buyer
🏘

The ITIN / non-traditional file

Borrowers without a Social Security number, self-employed cash-heavy profiles, or families with layered income sources. Rob knows these files, knows the programs, and knows how to structure them clean.

Signal: "can we still qualify?"
🤝

The bilingual realtor partner

You work with a Spanish-speaking agent who keeps asking if you "have someone." Now you do. Bringing Rob into that relationship strengthens both of your positions with that agent — long term.

Signal: recurring referral gap
📞

The "I was going to refer them out"

The client you almost let go because the fit wasn't right and you didn't want them to have a bad experience. Send them to Rob instead. Same result for the client — much better result for you.

Signal: internal handoff needed
Simple Workflow

How the Referral Works

Three clear paths depending on how involved you want to be. Same client, same care, three levels of ownership and pay.

1

You spot the client

Any file where language, culture, or family dynamics call for a native Spanish speaker. You know it when you see it.

2

You pick your path

Decide up front: hand it off, partner with Rob driving, or stay Primary and pull Rob in for specific touchpoints.

A — Pass it over · 35 bps
B — Rob drives · 50/50
C — You drive · 35 bps→Rob
3

Rob gets to work

Rob conducts whatever portion of the file you've assigned him in Spanish — full ownership, partnership, or surgical support. You're looped in at every milestone in ARIVE.

4

You get paid at close

Commission lands the same way your regular loans do. 35 bps flat (A), 50/50 split (B), or you keep total comp minus 35 bps to Rob (C).

🛡

Your client is your client. Always.

All three options add you as an LO in ARIVE so you see every status update in real time. Rob's job is to raise your game with this borrower type, not take the relationship. Every file stays inside the Partners family — and you stay in the driver's seat of the client relationship long after close.

Rob Garcia at Partners Mortgage
Direct(408) 802-5840
Emailrob@partnersmortgage.com
NMLS#2378922
OfficeRoseville, CA
StatesCA · NV · AZ AZ Coming Soon
Meet Your Referral Partner

Rob Garcia — Senior Partner

Rob Garcia joined Partners after a 20-year career in Silicon Valley fintech and mortgage leadership, including 9+ years as an executive at SnapFi where he helped build and scale originations, sales operations, and a borrower experience that actually felt like the 21st century. That background shapes how he shows up for every file today: structured, responsive, and relentlessly focused on closing the loan clean.

What makes Rob irreplaceable as a referral partner is his fluency — and not just the linguistic kind. He is natively bilingual in English and Spanish, but equally important, he is bicultural. He understands what a first-time Latino buyer is actually thinking about when the interest rate conversation happens on speakerphone and three generations of family are listening. He knows what trust looks like when it needs to be earned in two languages at once.

"For a lot of the families I work with, buying a house is the single biggest thing their family has ever done in this country. Eso no es transacción. Eso es legado."

Rob operates primarily in California and Nevada, with Arizona coming online soon, and is available to support referrals anywhere Partners Mortgage is licensed. When you refer a client to Rob, you're not handing them off — you're pairing them with the expert they needed the moment they called you, and you're keeping the full economics inside the Partners family.

NMLS #2378922 Native Bilingual · EN / ES 15+ yrs Silicon Valley Fintech Exec 9+ yrs SnapFi Mortgage Exec Senior Partner · Partners Mortgage ITIN & Non-Traditional Files
Compensation

Three paths. One commission at close.

Pick the involvement level that fits your bandwidth and your client relationship. All three pay at closing, all three keep you in ARIVE on the file.

Geography Structure below assumes CA & NV. Out-of-state files carry a 25 bps out-of-state program layer. See next section for exactly how that adjusts each option.
Option A · Pass it over

Referral Lead

You refer. Rob runs it. You collect at close.
35 bps
Paid to you at closing Flat 35 basis points of the loan amount, paid out to the referring LO regardless of state.
You
Additional LO
Added in ARIVE to see status updates on the file
Rob
Primary LO
Owns strategy, communication, and close end to end
→
Provide the client's name, contact info, and a brief warm intro
→
Rob owns strategy, structure, pre-approval, and all borrower communication
→
Rob provides occasional status updates so you're never in the dark
→
35 bps hits your comp at closing. No further action required.
Option B · Rob drives

Full Support

Rob runs it in Spanish. You partner on the workload.
50 / 50
Of total loan compensation Even split between Rob (Primary) and you (Partner LO) on the file.
You
Partner LO
Coordinate ops & manage the partners you brought to the file
Rob
Primary LO
Structures the loan and runs the borrower relationship in Spanish
→
Rob (Primary): structures the loan, runs pre-approval, issues PAL, and is the borrower's go-to in Spanish through close
→
You (Partner): coordinate the processor and internal ops team, and manage the realtor and 3rd-party relationships you brought to the file
→
Both LOs share the comp 50/50 — two experts on the file, one clean transaction
→
You stay close enough to the client that the relationship is preserved long after close
Option C · You drive

Critical Touchpoints

You stay Primary. Rob supports in Spanish at the moments that matter.
Total comp − 35 bps
Paid to you at closing You keep total lender comp on the file, less 35 bps paid to Rob for his Spanish support.
You
Primary LO
Structure, pre-approval, PAL, realtor, all the relationship calls
Rob
Spanish Specialist
Steps in for up to 3 specific borrower-facing touchpoints in Spanish
Choose up to 3 touchpoints
Application taking — build rapport with the client from the beginning
Pre-approval — discuss options, affordability, path & program
Home shopping — scenario modeling on different homes
In-contract consultation — timeline, milestones, document needs
Approval / CTC needs — explaining UW conditions in Spanish
Closing the transaction — funding, signing, wiring walkthrough
Or any other step that's confusing for the customer
→
You (Primary): drive the file end-to-end with full ownership of strategy, pricing, and the realtor relationship
→
Rob (Specialist): jumps in for up to 3 touchpoints you pick — in Spanish — to bridge the language gap exactly where it matters
→
You keep the full comp on the file, less 35 bps paid to Rob for his support
→
Best fit when you have the file but need surgical bilingual help at key moments
Who Does What

Every touchpoint. Every owner. No ambiguity.

A loan isn't one task, it's forty. Here is exactly who owns each one under each option — from the first intro email to the wire hitting escrow — so you know precisely what you're signing up for before you make the referral.

You Referring LO
Rob Rob Garcia
en español Conducted in Spanish
Pick 1 of 3 Selectable touchpoint in Option C
Activity
Option APass it over · 35 bps
Option BRob drives · 50/50
Option CYou drive · 35→Rob
01Intake
Initial client introduction

Warm handoff — name, context, what the borrower needs and why you're bringing in Rob.

You
Make the intro, then step back.
You
Make the intro and stay on as Partner.
You
You own the relationship from minute one.
Take the loan application

Full 1003 intake — borrower info, property, employment, assets, goals.

Rob
Roben español
Rob takes application in Spanish.
YouPick 1 of 3
Or assign Rob to take it in Spanish.
02Qualification
Loan structure & strategy

Program selection, rate & pricing strategy, DTI analysis, scenario modeling.

Rob
Rob
Rob owns strategy as Primary LO.
You
You own structure as Primary.
Pre-approval decision

Credit pull, AUS run, income documentation review, final pre-approval call.

Rob
Rob
YouPick 1 of 3
Or have Rob run it in Spanish.
Home shopping & scenario modeling

Running monthly cost scenarios on different homes, programs, and price points.

Rob
Rob
YouPick 1 of 3
Or have Rob model with the borrower.
Issue the Pre-Approval Letter (PAL)

PAL generation and reissues for competing offers.

Rob
Rob
You
03In Contract
Realtor & 3rd-party relationship

Listing agent, buyer's agent, title, escrow — all the non-borrower calls.

Rob
You
You keep the agent relationship. Always.
You
Your file, your agents, your contacts.
In-contract consultation

Post-acceptance walkthrough — timeline, milestones, document needs, "what to expect."

Rob
Roben español
YouPick 1 of 3
Or have Rob walk them through it in Spanish.
Borrower Q&A and status

Go-to person for "what's happening with my loan" calls and day-to-day questions.

Rob
Rob
You
Your borrower, your relationship.
04Processing & Underwriting
Internal team & processor coordination

Working with the processor, ops team, and internal milestones to keep the file moving.

Rob
You
This is your half of the partnership.
You
Conditions / CTC needs

Gathering docs, explaining what UW is asking for and why — often the hardest borrower conversations.

Rob
Roben español
YouPick 1 of 3
Or assign Rob — language matters most here.
Underwriting milestone

Conditional approval conversation, CTC update, any scenario changes required by UW.

Rob
Roben español
You
05Closing
Closing process discussion

CD review, signing expectations, funding walkthrough, final-numbers conversation.

Rob
Roben español
YouPick 1 of 3
Or have Rob walk them through closing in Spanish.
ARIVE file visibility

Real-time access to file status, docs, and borrower communications.

You
Added as Additional LO.
You
Added as Partner LO.
You
You're the Primary LO.
Commission at close

Payout structure after the loan funds. Paid through Partners comp.

35 bps flat
Of the loan amount. CA, NV, or any state.
50 / 50 split
Of total lender comp on the file.
Total comp − 35 bps
You keep the file, Rob earns 35 bps for support.

Bottom Line · Option A

You do two things: make the intro, then cash the check. Rob owns every borrower touchpoint, every third-party conversation, every milestone. Best fit when the client is outside your comfort zone and your bandwidth is already full.

Bottom Line · Option B

Rob is Primary and runs the borrower relationship in Spanish end-to-end. You stay close as Partner — coordinating internal ops and managing the realtor and 3rd-party relationships you brought to the file. Two experts share one transaction, comp split 50/50.

Bottom Line · Option C

You drive the file as Primary with full ownership of strategy, pricing, and the realtor relationship. Rob is your Spanish specialist for up to 3 specific touchpoints you choose — surgical bilingual support exactly where it matters most. You keep total comp minus 35 bps to Rob.

Important · Geography Adjustment

Files outside of CA & NV carry a 25 bps out-of-state layer.

Rob's core coverage is California and Nevada (with Arizona coming soon). When a referred loan closes in a different state, the Partners out-of-state program applies a 25 bps layer to the file. Here's exactly how that interacts with each option — no math you have to redo in your head.

Option A · Out of State

You still receive the full 35 bps. The 25 bps out-of-state layer is pulled from Rob's remaining commission, not yours. Your payout is protected and unchanged.

Option B · Out of State

The 25 bps is allocated first, then the remaining compensation is split 50/50 between Rob (Primary) and you (Partner). Both LOs share the geography cost proportionally.

Option C · Out of State

You're driving the file, so you absorb the 25 bps OOS layer on top of the 35 bps paid to Rob for his support. Your net = total comp − 35 bps − 25 bps.

Earnings Estimator

Calculate Your Commission

Model a single loan or a steady referral habit. Pick the loan size, state, option, and lender comp — we'll do the rest.

Loan Parameters

$600,000
225 bps (2.25%)

Your Referral Option

2 loans/month

Your Earnings Estimate

Your Commission Per Loan
—
—
Loan Amount
—
Total Lender Comp on File
—
Out-of-State Layer
—
Paid to Rob
—
Your Share
—
Monthly Potential
—
2 loans/month
Annual Projection
—
24 loans/year
* Illustrative figures based on inputs shown. Option A pays a flat 35 bps to the referring LO regardless of state (out-of-state layer absorbed by Rob). Option B splits total lender comp 50/50 after the 25 bps OOS layer is deducted for non-CA/NV files. Option C: you keep total comp on the file, less 35 bps paid to Rob; for OOS files you also absorb the 25 bps geography layer. Subject to Partners Mortgage comp plans in effect at closing.
Ready to Partner?

Your next Spanish-speaking client is already in your pipeline.

Stop referring out. Stop losing borrowers you could have closed. Pick your level of involvement, make one intro to Rob, and keep the whole thing inside Partners — the relationship, the reputation, and the check. You matter. Tu cliente también.

📞 (408) 802-5840