For mortgage brokers & loan officers
You see the insurance need before anyone else. You should be the one to fill it.
Every mortgage requires homeowners insurance. You're already at the table when the buyer needs it. Alvara lets you write the policy and keep the commission.
You have the best timing in the business.
Homeowners insurance is a closing requirement. Every single mortgage you originate creates a homeowners policy. Right now, that policy goes to whoever the buyer Googles or whoever their real estate agent refers them to.
But you're the one managing the closing timeline. You know exactly when the buyer needs insurance. You know the property details, the loan amount, the closing date. You have more context than any insurance agent the buyer could find — and the borrower already trusts you with their finances.
With Alvara, you use that context to quote 40+ carriers in seconds, find the best rate, and bind the policy before closing. The buyer gets better service. You get 80% of the commission.
Diversify your income in a rate environment that's squeezing mortgage volume.
Mortgage volume is cyclical. Insurance renewals aren't. Every policy you write today pays you again next year — regardless of what the Fed does.
The math for a broker closing 80 loans per year
Year 1
$11,648
Year 3 (renewals)
$34,944
Year 5
$58,240
Recurring, regardless of rate environment
You already deal with NMLS. Adding P&C is natural.
The licensing path is familiar.
If you've gone through NMLS licensing, you already understand the structure: pre-licensing education, state exam, continuing education. The P&C licensing process follows the same pattern — 40 hours of coursework and a state exam. The regulatory language, compliance requirements, and renewal cadence will feel familiar.
“Won't this distract from my mortgage business?”
Our quoting tool is designed to take minutes, not hours. You enter the property details you already have from the loan file, get comparative quotes from 40+carriers, and bind the policy. It fits into your existing closing workflow — it doesn't replace it.
“Is there a compliance risk with my mortgage license?”
Holding both an NMLS license and a P&C license is common and permitted in all states where Alvaraoperates. The key is proper disclosure, which our compliance tools handle automatically. Many large firms already cross-sell insurance and mortgage services — you're just doing it independently.
“When rates went up and my refi volume dropped 60%, the insurance book I'd built over the prior two years kept paying. It wasn't a replacement for my mortgage income, but it smoothed out the worst of it. I wish I'd started sooner.”
Insurance, made independent.
You already know the borrower, the property, and the timeline. Add insurance to your practice and start earning on every closing.