Dual Income Agent
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Dual Income Agent

Important Disclosures

Last Updated: October 13, 2026

This page collects the licensing, compensation and other disclosures that apply to the LEVEL agent opportunity described on this website. It is for real estate professionals and is not a consumer mortgage advertisement.

01.Who Is Speaking

  • Direct Rate, LLC | NMLS ID 2320473 | Mortgage broker. Not a lender.
  • Jacob Arbizu, Texas Real Estate Broker, TREC: 516592 and Mortgage Loan Originator, NMLS: 2175024.
  • This website is operated by Jacob Arbizu (Dual Income Agent).

02.Licensing

Earning on the lending side requires an active mortgage loan originator (MLO) license through the NMLS. Compensation is subject to RESPA and applicable state and federal law, and the program is not available in all states. Nothing on this site is a guarantee of income or an offer of employment.

03.Compensation

Mortgage compensation is subject to applicable federal and state law, active MLO licensing, NMLS registration, Direct Rate sponsorship, state availability, company approval, investor/program requirements, services actually performed, and Direct Rate compensation plan terms. Compensation is not guaranteed and varies by transaction. Not a referral fee.

Earnings, savings, buyer introductions and closings are not guaranteed. Any figure or example on this website illustrates what may be possible and is not a promise of a particular result.

04.Referrals and RESPA

Real estate services are provided by Jacob Arbizu, Texas Real Estate Broker, TREC: 516592. Mortgage services are provided by Direct Rate, LLC through properly licensed and sponsored MLOs. Direct Rate does not pay for settlement-service referrals. Any mortgage compensation may be paid only where permitted by law and only for actual licensed mortgage origination services performed. Any financial benefit, affiliate relationship, or compensation from more than one party must be disclosed and consented to where required.

Direct Rate works with real estate professionals but does not pay for settlement-service referrals.

Real estate broker compensation and commissions are not set by law and are fully negotiable. Amounts vary by brokerage agreement, written client agreement, market, transaction, brokerage policy, MLS rules, NAR rules where applicable, and state law. No real estate compensation is guaranteed.

05.Statistics and Ratings

Statistics and ratings quoted on this website, including the share of home buyers who prefer a one-stop-shop experience, are reported figures. They are not a guarantee of results, and your results will vary.

06.Not a Commitment to Lend

This is for informational purposes only and not a commitment to lend. Terms subject to change without notice. Loans subject to credit approval, underwriting approval, verification of information, property eligibility, appraisal, investor/program guidelines, and other conditions. Actual interest rate, APR, payment, costs, and terms may vary based on the loan selected, borrower qualifications, credit history, property location/type, LTV/CLTV, occupancy, loan amount, and other factors. Direct Rate, LLC | NMLS ID 2320473 | Mortgage broker. Not a lender. NMLS Consumer Access: www.nmlsconsumeraccess.org | Equal Housing Opportunity | Licensing disclosures and Texas Complaint Notice: https://directrateusa.com/licensing-disclosures/ | Jacob Arbizu, NMLS #2175024.

Nothing on this website is a commitment to lend, an offer of credit, or an approval of any loan.

07.Equal Housing Opportunity

We support Equal Housing Opportunity. We do not discriminate, or discourage anyone from applying, on any prohibited basis.

08.Questions

For questions about these disclosures, contact us. See also our Privacy Policy and Terms & Conditions.