Build Your Own
Recruiting Enterprise
You bring the relationships and industry knowledge. We provide the infrastructure, compliance framework, and compensation engine. Zero cost to start. Zero cost to operate.
Five Steps to
Your Recruiting Business
Co-Operate removes the barriers. You don't need capital, infrastructure, or a compliance team — just relationships and drive.
Live Webinar or Recording
Join a live webinar or watch the recording to understand the Co-Operate opportunity, compensation model, and how it all works.
Register for WebinarOnboard
Form your LLC, obtain E&O insurance, and sign the Co-Operate contractor agreement. We guide you through every step.
Recruit
Identify and recruit mortgage professionals for placement. Build your own network of Co-Operators and support them.
Earn
A flat $800 Co-Operator Fee for every loan funded by an originator you recommend and service, plus a share of a $250 network pool across seven tiers. Compensation is automated, transparent, and tied to verified work.
Join
Ready to build? Tell us about yourself and a Co-Operate recruiter will follow up to get you onboarded.
Join Co-Operate
What You Get vs.
What You Bring
What Co-Operate Provides
- Compliance framework & legal structure
- 7-tier compensation engine (automated)
- DriveX platform (tracking, reporting, audit)
- Employer partnerships & placement pipeline
- Training, onboarding, ongoing support
- Your own affiliate site & brand presence
What You Bring
- Industry relationships & network
- Knowledge of mortgage or real estate
- Motivation to build & recruit
- An LLC or willingness to form one
- E&O insurance (or willingness to obtain)
Build Your Own Income Model
Drag the sliders. Based on the flat $800 Co-Operator Fee and the $250 Network Pool funded by Co-Operate.
Figures show the flat per-loan amounts. They are not representations of expected or typical earnings.
Visualize Your Enterprise
Same numbers from your income model above — now see the people behind them. Every node is a real person producing real revenue.
Adjust sliders in the income model above — this visualization updates automatically.
Why Build With
Co-Operate?
You could recruit on your own. Here's why you'd build inside our framework instead.
Compliance Is Built In
Multi-tier recruiting in mortgage faces RESPA and FTC scrutiny. Our framework was built from day one to satisfy both. Every service is documented, every payout tied to verified work product.
Infrastructure Provided
DriveX platform, automated compensation, employer partnerships, tracking and reporting — you don't build any of this. It's ready on day one.
Compounding Revenue
Every placement you make earns a flat $800 Co-Operator Fee for the services you perform. Placements by your Frontline Recruited Contractors also generate a separately funded $250 Network Growth Allocation, allocated across up to 7 tiers of the upline network subject to applicable tier eligibility and quarterly network-service requirements.
Zero Overhead
No office, no employees, no technology stack to maintain. You operate as an independent contractor with the full backing of Co-Operate's infrastructure. All upside, no fixed costs.
Built by someone who's done this.
Co-Operate was built by someone who has spent decades in the trenches of real estate and mortgage — building enterprises, leading teams, and crushing expectations.
Tony Grothouse
Founder & CEO, G26x
Founded and leads G26x, the Grothouse family holding company. Spent his career building mortgage enterprises, now driving AI research, strategic consulting, and intelligence platforms. Built Co-Operate to give industry connectors the infrastructure they've always needed.
Questions from
Future Co-Operators
Do I need recruiting experience?
No formal recruiting experience is required. What matters is your network and relationships within the mortgage or real estate industry. Co-Operate provides training, tools, and the framework — you provide the connections.
What does it cost?
Zero. There is no buy-in, no monthly fee, and no inventory. You will need an LLC and E&O insurance (standard for independent contractors), but there are no Co-Operate fees to join or operate.
How does compensation work?
When a mortgage professional is placed through Co-Operate, a flat $800 Co-Operator Fee is generated. All $800 is Direct Compensation. Separately, Co-Operate funds a $250 Network Growth Allocation per funded loan, allocated across up to 7 tiers of the upline network subject to tier eligibility and quarterly network services; it is never deducted from the $800. Every dollar is tied to a documented, verified service. Full details at joincooperate.com/opportunity.
Is this an MLM?
No. There is no enrollment fee, no product inventory, and no compensation for recruiting alone. Every dollar paid is tied to a verified, documented recruiting or retention service. The structure is designed to comply with RESPA Section 8 and FTC Act requirements. Full compliance details at joincooperate.com/compliance.
Can I do this part-time?
Yes. Many Co-Operators start part-time while maintaining their primary role. A production floor applies — see the Conduct Policy for the current sign-on and maintenance thresholds — but scheduling around your primary role is yours to manage.
If an LO I placed recruits another LO, can they join my network?
Yes. The new LO can be placed under your Co-Operate entity and immediately become part of your retention network. All gated services are required within deadlines to be compensated.
If a placed recruit brings on another LO or refers a group, can we pay them through Co-Operate?
No. This is a lender-based decision. Typically the lender has a program in place to compensate a fee for referring other individuals into their organization. Co-Operate compensation only applies to placements made through the Co-Operate network.
How do Co-Operators track new hires and network growth?
Once an entity onboards with Co-Operate, they receive platform access to DriveX — the system that runs Co-Operate. Inside the portal, the entity and its team members have access to marketing material with their Network ID. Anyone they want to recruit on the lender side or the Co-Operate side needs to be guided through this funnel to be set up correctly for tracking and compensation.
See the Model —
Recruiting Webinar
30-minute online session with Al Stasek and Jay Kinder. See the compensation model, hear the math, ask every question. Then decide.
Ready to crush expectations?
Already attended the webinar? Start building your recruiting enterprise today.
Watch the Webinar
Register above to attend a live session with Al Stasek and Jay Kinder. See the model, hear the math, ask every question.
Register for a WebinarEnroll Now
You've seen the webinar. You've asked your questions. Skip the line and start building your recruiting enterprise today.
I'm In — Let's Go