FAQs

Help Your Home Buyer Get an Additional Quote: Buyers always want to compare rates or get a second opinion — agents refer them to us for an extra quote from top-performing brokers or lenders, and still get paid $100 for the referral.

Get All Your Leads Pre-Approved First: Before investing time showing homes, agents use our platform to get every buyer pre-approved through top-performing brokers and lenders.

Get Them Funded: Once pre-approved, buyers are guided through the funding process by lenders who go the extra mile to help get deals closed.

Ghosted by Buyers: When buyers stop responding, agents send us the lead and still earn $100 — no follow-up or chasing needed.

Overflow Leads: Busy agents with more leads than they can handle send the extras to us and get paid without losing focus on their core pipeline.

Buyer Has Financing Issues: When a buyer has credit problems or isn’t yet ready to qualify, agents refer them to us — we route them to lenders who specialize in tough cases, and the agent still gets paid.

Monetize Non-Closing Leads: If a deal falls apart or a buyer walks away, the agent can still earn by passing the lead to us for another shot at funding.

Lead Isn’t a Good Fit: When a lead is outside the agent’s area, price range, or target clientele, they send it to us instead of letting it go to waste — and earn $100 every time.

Out-of-Budget Clients: Buyers who want more than they can afford are routed through our system to lenders who can reset expectations and offer realistic options — while agents get paid.

Non-Closing Leads: Even if the buyer doesn’t purchase, the agent still gets rewarded just for submitting the lead — turning dead ends into new opportunities.

You can see & message which broker or lender the referral was sent to and build a relationship with them. And a new feature coming soon allows you to see the broker or lender the referral is being routed to “before” you submit it.

RE Agents sign up for free, and there’s no monthly fees. RE Agents are paid $100 per referral for each one they submit. We try to send each referral to 2 brokers and/or lenders, bringing $200 revenue. From there we auto-pay RE Agents half, so $100 and we keep $100.

To Receive Referrals From RE Agents:This solution is for individuals (such as individual brokers or individual loan officers) or entire companies.

Legal Compliance

Go Fish Originators is designed to operate in compliance with RESPA, TILA, the SAFE Act, and CFPB guidance. We do not pay or receive referral fees conditioned on the selection of any particular mortgage broker or lender. Real estate agents using our system may rank their preferred pool of brokers or lenders, but no single party is guaranteed selection — if one declines, the referral passes to the next in the agent’s pool.

Compensation to agents is always a flat, fixed amount determined by Go Fish and does not vary by broker selection, loan amount, or loan terms. No percentages of loan closings are paid. The perk originates solely from Go Fish (as a lead generation platform) and not from brokers or lenders. Go Fish does not take mortgage applications or negotiate loan terms; those remain the exclusive responsibility of licensed mortgage professionals.

Prohibited Activities (RESPA Restrictions)

Under 12 CFR §1024.14(b), non-licensed agents may not:

• Steer the home buyer to any "single" Mortgage Broker or Lender
• Receive compensation based on loan approval, funding, or closing
• Discuss loan terms, provide financing advice, or suggest specific loan products
• Collect financial documents from borrowers
• Accept or assist with applications
• Participate in any activity classified as a settlement service

Compensation Rules for Unlicensed Agents

• Flat Fee Per Lead: Perk is strictly based on marketing outputs (e.g., # of referrals, traffic) and not contingent on loan outcome.
• No Success-Based Bonuses: Any payment structure tied to a closed loan or approval is not permitted.
• Market-Rate Valuation: All fees must reflect the fair market value of services provided.

Who Is Regulated Under RESPA?

RESPA governs entities that provide settlement services in residential mortgage transactions, including:

• Mortgage lenders and brokers
• Real estate professionals
• Title and escrow companies
• Appraisers, inspectors, notaries, and others connected to loan closings

Lead Distribution Filters: Platform Feature & RESPA Analysis

Go Fish Originators allows brokers and lenders to apply non-personalized filters (e.g., borrower state, income range, property type) to opt out of certain leads.

Compliance Position:

• These filters are configured by the broker or lender, not the platform or referring party.
• Referrals are still distributed algorithmically to the ranked list (preferred pool) of referral receivers who meet the selected criteria.
• The platform does not recommend, match, or steer borrowers toward specific referral receivers based on financial information or approval likelihood.
• This design is consistent with "lead generation" and is fully compliant underRESPA’s Section 8(c) safe harbor provisionsand related HUD guidance.

Conclusion

Our platform is built to uphold RESPA, TILA, SAFE Act, CFPB guidelines, and state-specific regulations, maintaining transparency, legal compliance, and consumer freedom at every step, and the platform's design is consistent with"lead generation"and is fully compliant underRESPA’s Section 8(c) safe harbor provisionsand related HUD guidance.