Simple Pricing. No Surprises. You Keep More of What You Earn.
Every fee is paid at closing through title disbursement. You never write us a check. No retainers, no minimums, no long-term contracts.
💡 Send your own disclosures → Save $100/fileAll Loan Types — Disclosure to Funding
- Initial disclosures generated within 3 hours
- Government document ordering (FHA case numbers, VA COEs)
- Complete file setup and infrastructure
- AUS run and third-party service ordering
- 87-point quality gate before lender submission
- Condition tracking and borrower document collection
- Resubmission management
- Closing coordination with title
- CD review and signing schedule
- Funding wire confirmation
- Post-close quality audit
Conventional, FHA, VA, USDA, Non-QM, DSCR, Jumbo — all purchase and standard refinance transactions
VA IRRRLs & FHA Streamlines
- Initial disclosures generated within 3 hours
- VA IRRRL or FHA Streamline file setup
- AUS run and third-party service ordering
- 87-point quality gate before submission
- Condition tracking and document collection
- Closing coordination with title
- CD review and signing schedule
- Funding wire confirmation
- Post-close quality audit
Streamlined process for rate-and-term refinances with reduced documentation requirements
Already Sending Your Own Disclosures? Save $100 Per File.
If you handle initial disclosures in-house before handing off the file, we take $100 off. Same quality. Same SLA on everything after disclosures. Less cost.
Full Service
$995$895/file
Streamlines & IRRRLs
$695$595/file
How Payment Works
No invoices. No wires. No checks. Here's how it actually works.
We Add Our Fee to the Loan Estimate
Our processing fee goes in Section B of the LE and CD — just like an appraisal or credit report. It does NOT count against QM or high-cost thresholds.
Borrower Pays at Closing
The fee is collected at the closing table through title disbursement. You never cut us a check, send a wire, or pay an invoice.
You Keep Your Full Commission
Our fee is a legitimate third-party charge. It doesn't come out of your comp. Your borrower pays, and you keep every dollar you earned.
How We Compare
See how Bright stacks up against hiring in-house or using a typical contract shop.
← Scroll to compare →
| Bright Processing | In-House Processor | Typical Contract Shop | |
|---|---|---|---|
| Cost per file | $895–$995 | $4,000–$6,000/mo salary + benefits | $800–$1,200/file |
| Streamlines/IRRRLs | $595–$695 | Same salary regardless | Often same price as full files |
| Who pays? | Borrower (Section B) | You (overhead) | Usually you (out of comp) |
| Counts against QM? | N/A (overhead) | Depends on structure | |
| Minimum volume | Need volume to justify salary | Often 5-10 files/month | |
| Long-term contract | Employment commitment | Often 6-12 months | |
| Slow months | Pay nothing | Still paying salary | Still paying minimums |
| Quality assurance | 87-point quality gate | Varies by individual | Varies |
| Disclosure SLA | 3 hours | Depends on workload | 24-48 hours typical |
Want to see the math for your specific operation? Try our free Processing Cost Calculator →