MORTGAGE BROKER BUSINESS PLAN

I. Executive Summary

Company Description

Horizon Mortgage Advisors is a U.S.-based mortgage brokerage launching in 2026. The name signals forward-looking guidance for borrowers navigating home finance. We operate in the mortgage and real-estate finance industry and act as an expert intermediary that connects homebuyers and property investors with a national, regional, and private lender network. Our core services are residential purchase mortgages, rate-and-term and cash-out refinances, and complex commercial property loans. We deliver these through a team of licensed loan officers, underwriters, and client support staff backed by an advanced loan-origination platform and lender-matching engine.

What sets us apart is a commitment to transparent pricing, lender-neutral advice, and fast execution, plus a proprietary lender-selection matrix that improves approval speed and pricing. We target first-time and move-up homebuyers, credit-challenged borrowers, and small commercial real-estate investors in primary U.S. metros. Short-term goals: launch operations Q1 2026, sign 50 lender partners, and close 150 loans in year one. Long-term goals: scale to 1,200 closed loans annually by 2029, expand into three additional states, and deploy an in-house secondary-market desk to improve margins and rate control.

Problem

The U.S. mortgage market is complex and time-consuming, with thousands of lending products and rules that overwhelm average homebuyers and applicants who lack specialized expertise. This often results in higher interest rates, unfavorable loan terms, and inconsistent advice.

Fragmented communication between lenders and borrowers and limited transparency in traditional banking models create friction during application and underwriting. No centralized intermediary currently manages negotiations and documentation across diverse financial profiles, leaving borrowers to navigate a broken system alone and reducing effective lender-side competition.

Launching in 2026, our brokerage addresses these gaps by centralizing expertise, lender access, and document handling to reduce cost, time, and surprises for borrowers. One clear problem: buyers need a trusted intermediary to secure objectively better terms.

Solution

The U.S. mortgage market is complex and opaque, leaving many buyers—especially self-employed borrowers and investors—excluded or paying higher rates due to limited options and time-consuming negotiation. We act as a full-service mortgage broker that conducts assessments, shops a broad network of national and regional lenders, manages negotiations and underwriting follow-up, and tailors rate-and-term recommendations, all at no direct cost to the borrower and funded by lender-paid origination fees.

We simplify home financing by handling assessment, shopping, negotiation, and paperwork so borrowers get competitive, no-cost access to mortgage options.

Mission Statement

We empower U.S. homebuyers and investors with expert, transparent, and personalized mortgage brokerage services that simplify the path to property ownership by navigating the lending market on their behalf. We commit to integrity, efficiency, and securing the most favorable financial terms for every client. Through a diverse lender network and dedicated advisory, we aim to be the most trusted intermediary in the real estate ecosystem.

Key Success Factors

These factors drive our mortgage broker firm's profitability, growth, and resilience.

• Low CAC: Customer Acquisition Cost falling to $350 by 2030 reduces payback and boosts margins.
• Fast unit economics: 5-month path to breakeven and 11-month payback show operational efficiency.
• Portfolio diversification: Commercial property loans at 15.0% of portfolio provide higher-margin stability.
• Referral partnerships: 3.0% fee structure secures a consistent, low-cost lead pipeline.
• Strong financial returns: 16.0% IRR and $4,344,000 year-five EBITDA demonstrate scalable profitability.

Financial Summary

Brief financial snapshot for the Executive Summary of the Mortgage Broker business plan.

Funding need: Minimum cash required $827,000 (Feb-26). Breakeven: May-26. Payback: 11 months. Return expectations: IRR 16.0%, ROE 9.89%. Marketing budget grows from $25,000 (2026) to $150,000 (2030). Fixed monthly expenses ~ $6,400; staffing scales to 5.5 FTEs.

Financial outlook: profitable by May 2026 with scalable EBITDA growth to $4.344M by 2030.

Funding Requirements

We require $1,064,500 in total funding to launch and reach breakeven by May 2026.

Projected first-year EBITDA is $152,000, growing to $4,344,000 by 2030; breakeven occurs May 2026 with a minimum cash reserve of $827,000; marketing spend rises from $25,000 to $150,000 over five years; expected Return on Equity is 9.89 and Internal Rate of Return is 16.0%; fixed monthly expenses are ~ $6,400; staffing scales to 5.5 FTEs.