Flux gives mortgage brokers ACH for rent and deposits, cards for application and holding fees, and a QuickBooks sync so three people can agree on the same number.
Why mortgage brokers choose Flux
ACH for rent and deposits
Collect recurring rent and large deposits over ACH instead of paying card rates on every payment.
Card fees for the small stuff
Application and holding fees are a natural fit for cards where speed matters more than rate.
Books that match
A QuickBooks sync categorizes rent, fees, and deposits so reconciliation is not a monthly argument.
How mortgage brokers get paid
Mortgage Brokers usually collect rent and earnest money over ACH for the friendlier economics, take application and holding fees by card, and reconcile it all through Flux.
A typical Flux setup for mortgage brokers
Most of a broker's income arrives at closing through the settlement, but the consumer-paid pieces still need rails: credit report fees at application, appraisal fees once disclosures allow, and occasional processing or consulting fees. These are small card-not-present payments, taken by payment link sent over text or email, at the flat 2.9 percent plus 30 cents. Hosted fields in origin-isolated iframes keep card entry off your systems entirely, with SAQ-D Level 2 PCI DSS behind them.
Timing is regulatory, not operational. Federal rules restrict what you may collect before the borrower receives and acknowledges the Loan Estimate, with the credit report fee as the usual exception. A payment link workflow fits this sequencing: send the credit fee link at application, hold the appraisal fee link until intent to proceed is documented, and let QuickBooks sync stamp each fee to the loan file so your compliance trail builds itself as you work.
What mortgage brokers should watch
Fallen-through loans generate the disputes. A borrower whose file dies after the appraisal sometimes disputes the appraisal fee, reasoning that they got nothing for it. Your defense is the signed intent to proceed, the disclosure showing the fee, and the appraisal delivery record, kept together per file. Clear language at the payment link, naming the fee as due when the service is ordered, prevents most of these disputes before they ever start.
Refunds need a policy before they need a mechanism. Decide in advance which fees are refundable when a loan is denied versus withdrawn, write it into your fee disclosure, and refund to the original card so the paper trail stays clean. Because volume is deal-driven and lumpy, the absence of setup fees, monthly fees, minimums, and contracts means slow rate environments cost you nothing in processing overhead while you wait for the market to turn.
Simple, transparent pricing
Flux charges a flat 2.9% plus 30 cents per transaction, with volume discounts for higher-volume mortgage brokers and the option to pass the fee to the customer at checkout where local surcharging rules allow. No setup fees and no contracts. Accounts processing under $100,000 a year in card volume may be subject to a $20 monthly account fee.
Frequently asked questions
How do mortgage brokers accept payments with Flux?
Mortgage Brokers accept credit and debit cards, ACH bank transfers, and stablecoins through one Flux integration, with drop-in hosted fields that keep card data off your own systems.
What does Flux charge mortgage brokers?
A flat 2.9% plus 30 cents per transaction, with volume discounts for higher-volume merchants and no setup fees or contracts. Accounts processing under $100,000 a year in card volume may be subject to a $20 monthly account fee. You can also pass the processing fee to the customer at checkout where local surcharging rules allow.
How fast do mortgage brokers get their money?
Card payments settle in one to two business days and ACH in one to three business days. Stablecoin payments go to your wallet instantly.
Which fees can I collect before the Loan Estimate goes out?
Under federal rules, generally only a reasonable credit report fee may be collected before the borrower receives the Loan Estimate and indicates intent to proceed. Flux payment links make the sequencing easy to honor: send the credit fee link at application and hold the rest. Confirm the specifics with your compliance counsel.
What happens to the appraisal fee if the loan falls through?
That depends on the policy you disclose, since the appraisal was ordered and delivered regardless of the outcome. Refunding is one click back to the original card when you choose to. Keep the intent-to-proceed record and appraisal delivery confirmation attached to the payment in case the borrower disputes instead of asking.
Can borrowers pay a fee over the phone without reading me a card number?
Yes, and they should never read you one. Send a payment link by text or email, and the borrower enters their card into hosted fields in origin-isolated iframes that your office never sees. That keeps you out of card-data scope and ties the payment to the loan file.
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