Q:	How do I Get Started?
A:	Contact a Branch Representative @ 818.735.4607
Q:	What are the monthly costs to be an affiliate branch?
A:	Branch managers can choose from two options: 1) $1650 Flat Fee for their home state; OR 2) An additional $450 (Total $2100) will enable your branch to originate in all states PBC is Licensed.
Q:	When is a PBC affiliate Branch Compensated?
A:	The Branch Manager will be compensated and receive all funds the day funds are dispersed via the closing agent.
Q:	How long does it take to get approved as a new branch?
A:	Upon completion of a branch manager application, your application will be reviewed for approval within 1-2 days.
Q:	What if I want to terminate the agreement?
A:	Either party, PBC or the branch manager, can terminate the agreement at any time.
Q:	How are expenses paid?
A:	The branch manager will issue checks for expenses from a corporate checking account which they are a signor.
Q:	How are loan officers compensated?
A:	Loan officer commissions are determined by the branch manager and paid through payroll via a payroll company designated by PBC.
Q:	How is branch revenue accounted for?
A:	The branch receives 100% of all origination fees, yield spread premium, and any other legal fees charged.
Q:	Why would a mortgage professional consider becoming a Pacific Bancorp Affiliate Branch?
A:	Independence: As a branch manager, you operate your office as though it were your own company. Multi-state Origination No Initial Investment: A flat fee lets you grow. Investor Relations: You choose the investors you want to use and we get you set up. Self Fulfilling prophecy: If you can imagine it, we can help you get there!
Q:	Are there production guidelines set for PBC's Branches?
A:	PBC does not set production guidelines, leaving you to grow at your own pace.