Blue Pebble Group — Homes + Loans Hold my spot
Jared Frost

A personal invitation from

Jared Frost

Win more deals.
Upgrade your tech.
Save your clients a boatload of money.

Tech, training, and preferred mortgage pricing — open to agents at any brokerage. Keep your brokerage and your clients.

Your clients hear it from you: “If your agent is certified, we beat your best quote — or credit you $500 at closing.”

Hold my founding spot — $47/mo See what your clients would save

*From Blue Pebble’s published incentive pricing; savings vary by scenario. Month to month, no contract.

You know the exact moment.

Third house. They stop talking about square footage and start talking about where the tree goes. It’s theirs.

Then the payment comes back and the room goes quiet.

You can find the house. You can negotiate the price. You can’t change the payment.

Until now.

The one thing no competitor can match

Up to 10% off their monthly payment. For the life of the loan.

No seller concessions. No rate buydowns. No expiration. Just a lower payment, every month, from the first one.¹

How? Loan officers in this program aren’t commission-driven.

In most of the industry, a loan officer’s commission — often around 1% of the loan — is priced into your client’s rate.² We rebuilt the sales process and the way loan officers are paid, so the rate doesn’t have to carry that cost. The difference goes into pricing instead — and loan officers here spend more time with your clients and less time on the golf course.

Hold my founding spot — $47/mo Run a client scenario →

Conventional, FHA, VA, and jumbo. Your clients are never required to use the program lender — offered, never conditioned. ¹ Savings vary by scenario and are generally largest on lower-balance, higher-LTV loans such as FHA with 3.5% down. Not an advertised rate or APR; not an offer or commitment to lend. Subject to credit approval and underwriting. ² STRATMOR Group: average retail loan-originator commissions have held between 92 and 103 basis points.

We were the agents paying for it.

We paid brokerage fees for development we never got. Underspec’d tools, no training — training was extra.

We referred hundreds of deals to commission-based loan officers who were harder to reach than our clients. They got paid on our relationships while our buyers overpaid.

So we pooled our resources and started the mortgage company ourselves.

Now the loan officers in this program aren’t commission-driven. Our AI tools were built by agents who needed them. And when we quote a loan, every other lender in the deal has to get better or lose it.

And we’re not keeping it. Any agent from any brokerage can join. Making homes affordable matters more than growing our roster.

We’re not trying to win every loan. We’re trying to make the mortgage industry finally compete to serve your client.

Hold my founding spot — $47/mo

Nobody will tell you this:

Your brokerage sells you tools it doesn’t teach you to use.

Your lender’s loan officer is paid more when your client pays more.

Both of those are choices. We made different ones.

The stack

What you get for $47

Preferred mortgage pricing — up to 10% off, life of the loan, no concessions or buydowns

~$4,500/loan

to your client³

The $500 promise — we beat your client’s best quote or credit them $500 at closing

your client’s guarantee

Blue Pebble Certified™ Homeownership Advocate — the designation and the badge

$300/yr⁵

Your client page — the program, the mission, and why you’re worth hiring See an example →

$600/yr⁵

Your affiliate page + QR code — grow the network, get paid when you do See an example →

you get paid

36 weekly coaching sessions — business building + affordability training, taught by a former rocket scientist & Wall Street trader

$1,950/yr

12 CHA masterminds — monthly, with the other advocates

$650/yr

Monthly branded graphics — Sterling Marketing System, in your colors

$360/yr

Planning + accountability tools — never wonder what to do — and track the systems from our training

$360/yr

25% property management referral fees — a quarter of the leasing fee

you get paid

$4,220

to you — whether you close another deal or not

$9,000

to your clients this year³

$12,500

if it wins you one more closing⁴

You pay $47/month. No contract.

Not billed until 48 hours after your first training.

Hold my founding spot — $47/mo

One conversation. That’s the whole thing.

“I have access to pricing that could lower your payment by up to 10% a month.”

Say that to everyone you meet for a year. How many hire you who wouldn’t have?

Two? Four? Twelve?

One extra closing pays for twenty years of membership. And that’s before the $4,200 that shows up whether you close one or not.

Build your business by doing right by your clients. That’s the rare one.

³ Buyer’s agent closing six deals a year, 50/50 buyer/seller split. Blue Pebble Loans competes for each buyer-side client and wins two. At 1% of a $450,000 loan, $4,500 per closing in client savings. Savings vary by loan type, balance, and market. ⁴ $12,500 average commission — 2.5% of $500,000. Not a projection. ⁵ Designation benchmarked against industry designation dues ($300–400/yr); client page against hosted agent landing pages (~$50/mo).

Live rates · what your clients see

What your clients would see

Live preferred pricing against any scenario — Conventional, FHA, VA, and jumbo, side by side.

This analysis is provided for information purposes and cannot be interpreted as a commitment to lend. Pricing includes incentives offered when working with Blue Pebble Homes & Loans. Final loan terms are subject to credit approval, lender underwriting, and potentially a property appraisal. Interest rates and programs are subject to change without notice. Vanna Lending, LLC dba Blue Pebble Loans, NMLS #2447767, licensed in CO, CA, NM, FL, & TX. Equal Housing Opportunity.

Who’s behind this

Wall Street coaching. Rocket-scientist systems. Same person.

Jared Frost: BSE Aerospace Engineering, summa cum laude (’05). MSE Financial Engineering (’07). Drone programs at Sandia Labs. Ten years on Wall Street and in private equity. Over $200 million in closed residential real estate.

“It’s time everyday people took the real estate market back for ourselves.”

Jared Frost, founder

Jared Frost · Founder

From the people who built it

The team, on the tech and the training.

Recorded on their phones, not produced. Everyone in these videos works for Blue Pebble — that’s the point: this is what the people who run the program say about it.

Matt Gallegos · Real Estate
Noah Werner · Real Estate
Jenn Casella · Real Estate
Nate Strauch · Real Estate

Who’s eligible

Real estate professionals are eligible.

Membership is an application, not a checkout. Your application will need to demonstrate work adjacent to real estate transactions in one of these fields:

Real estate brokerageMortgageTitle insuranceHome buildingProperty management

1. Complete the initial training

Every member starts with the first training session — it’s also when your billing clock starts, 48 hours after.

2. Commit to our referral guidelines

Whenever a client asks you for a mortgage referral, you present multiple vendors — the program lender included, never alone. Every loan is competed for; nobody gets handed one.

Founding membership — first 50 only

$47/mo

$99/mo after the founding cohort. Month to month. No contract.

What expires: your $47 rate, and the tech package at $199 instead of $399.

What doesn’t: the pricing, the designation, the coaching. Everyone gets those. The founding 50 get them cheaper, forever.

Not billed until 48 hours after your first training. Cohort one starts September 15.

Founding 50 waitlist

No card. No commitment. Holds your rate.

Founding Membership — $47/mo

Included

Your total: $47/mo

Consent is not a condition of any purchase or of receiving credit. See our Privacy Policy and Terms of Service.

No card. No commitment. Just your spot in line.

Straight answers

Is this a referral arrangement?

No. It’s a flat monthly membership for software, coaching, and partner benefits. Your price never changes based on loans, and there are no quotas, minimums, or expectations of referrals.

Do my clients have to use the program lender?

No. Preferred pricing is available to them — never required. Your clients always choose their own lender. See our anti-steering disclosure.

Who can join?

Real estate professionals. Your application needs to demonstrate work adjacent to real estate transactions — brokerage, mortgage, title insurance, home building, or property management. Members complete the initial training and commit to our referral guidelines: whenever a client asks for a mortgage referral, you present multiple vendors, never just us.

Do I have to leave my brokerage?

No. Keep your brokerage, keep your clients. Built to work alongside any brokerage.

Whose program is this?

Ours — Blue Pebble built it and owns it, and we say so on every page. Our angle: lower payments for more people, faster. An open program gets there quicker than recruiting, and your clients always choose their own lender.

What do my clients get?

Up to 10% off their monthly payment, plus our price-match promise: we beat their best quote or credit them $500 at closing. That promise runs to your client directly. Nothing about it pays you.

What’s a Blue Pebble Certified Homeownership Advocate?

An agent who completed our training, signed the Pledge — real choices, counsel not steering, transparency about relationships — and keeps the annual standards. The mark is licensed while you stay in good standing; it can be reviewed and revoked.

Do I have to switch CRMs?

No. The $47 tier doesn’t touch your CRM. The optional tech package adds a GoHighLevel sub-account with done-for-you migration, Claude and ChatGPT in your pipeline, AI coaching, and 1:1 onboarding — $199/mo founding, $399 after.

What if I cancel?

Month to month, billed only for time served. Loan estimates from your active period keep their pricing.

What does the waitlist commit me to?

Nothing. No card, no payment. It holds one of 50 founding spots at $47/mo, locked while you stay active.

Where is this available?

Preferred pricing: CO, CA, TX, FL. PM referral fees: Colorado, expanding. Elsewhere, pick “Another state” to join the expansion list.

Fifty founding spots at $47. Then it’s $99.

Hold my founding spot