A method of originating a loan. In one embodiment, the method includes establishing a legally binding agreement between a real estate agent and a mortgage company. The agreement has a set of terms which include establishing the real estate agent as an independent contractor; obligating the real estate agent to communicate with an agent of the mortgage company; obligating the real estate agent to disclose the relationship with the mortgage company to a prospective buyer; and establishing a compensation of the real estate agent by the mortgage company. The real estate agent must also disclose the relationship between the real estate agent and the mortgage company to a prospective buyer.