How The Mortgage Calculator Was Created

The founding story of The Mortgage Calculator is a remarkable narrative of innovation, adaptability, and strategic foresight in the realm of mortgage lending. In 2019, Nicholas Hiersche, Kyle Hiersche, and Jose Gonzalez came together, each bringing their unique expertise to create a groundbreaking lead generation model for the mortgage industry. Nicholas and Kyle, with a strong foundation in advertising and marketing dating back to their first corporation in 2004, had honed their skills in leveraging internet and technology for scalable lead generation. They had also established an advertising agency that provided consultative services across various industries, notably aiding real estate agents and mortgage loan officers.

Their path intersected with Jose Gonzalez, a REALTOR, at a networking event where they discussed ambitions to revolutionize the mortgage world. Their collaboration initially focused on a marketing plan for an FDIC bank, leading to the creation of a team dedicated to operating a lead generation campaign. This initiative marked the inception of The Mortgage Calculator, initially envisioned as a team within the bank.

However, the founders soon recognized the limitations of the FDIC bank model, especially as the COVID-19 pandemic intensified the demand for their services. In response, they shifted their operations to the largest mortgage broker in the U.S., growing to over 400 licensed mortgage brokers. Recognizing further limitations in the mortgage broker model, particularly regarding Non-QM loans, they moved to a Non-Delegated Lender model. This transition was pivotal, allowing them to grow rapidly to over 400 loan officers.

The final transformation in their journey came with the decision to launch their own company, overcoming the constraints they faced in previous models. In 2022, The Mortgage Calculator officially became a Licensed Mortgage Lender, fully embracing a Non-Delegated Correspondent model. This step allowed them to optimize their unique business approach, unshackled by previous limitations.

Their story is not just a tale of business growth but also a testament to the power of strategic thinking, adaptability, and technological innovation in the competitive world of mortgage lending. The Mortgage Calculator's journey from a small team within an FDIC bank to becoming a leading licensed mortgage lender is a vivid illustration of their commitment to revolutionizing mortgage lending through cutting-edge lead generation and business models. The story continues every day as The Mortgage Calculator strives to provide clients with unique solutions, easy to use technology, and amazing customer service.

 

The Mortgage Calculator was created in 2019 as a software The Mortgage Calculator is a licensed Mortgage Lender (NMLS #2377459) that specializes in using technology to enable borrowers to access Conventional, FHA, VA, and USDA Programs, as well as over 5,000 Non-QM mortgage loan programs using alternative income documentation! 

Using The Mortgage Calculator proprietary technology, borrowers can instantly price and quote thousands of mortgage loan programs in just a few clicks. The Mortgage Calculator technology also enables borrowers to instantly complete a full loan application and upload documents to our AI powered software to get qualified in just minutes!

Our team of over 250 licensed Mortgage Loan Originators can assist our customers with Conventional, FHA, VA and USDA mortgages as well as access thousands of mortgage programs using Alternative Income Documentation such as Bank Statement Mortgages, P&L Mortgages, Asset Based Mortgage Programs, No Ratio CDFI Loan Programs, DSCR Investor Mortgages, Commercial Mortgages, Fix and Flip Mortgages and thousands more!

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