// Lender Independence Policy

Flika takes zero compensation from lenders.

The wall is structural, not aspirational. The policy is public so it can be verified by any mortgage broker, agent, partner, or borrower who needs to know where the brokerage's incentives sit.

// The policy, in one sentence

Flika Realty does not accept compensation, of any form, from any mortgage lender, loan officer, mortgage broker, wholesale lender, or affiliated lending entity, in any state where it is licensed to operate.

// What that means specifically

Things Flika does not do.

No Affiliated Business Arrangement.

Flika does not own, control, or have an ownership interest in any mortgage company, lending entity, or settlement service provider. No RESPA Section 8 AfBA disclosure is required because no AfBA exists.

No in-house mortgage desk.

Flika has no captive mortgage operation, no preferred lender, no in-house loan officer. The brokerage does not route buyers to a controlled lending partner.

No Marketing Services Agreement.

Flika does not enter MSAs with lenders. No payments are received from lenders in exchange for marketing services, co-branded materials, or office space.

No referral fees received.

Flika does not accept payment, gift, rebate, or thing of value from any lender for referring a buyer, seller, or borrower. This applies to brokerage entity, agents acting under it, and any controlled affiliates.

No co-marketing with lenders.

Flika does not run shared marketing campaigns, social media campaigns, listing co-branding, or open house sponsorships with lenders or loan officers.

No required use.

Flika does not require, suggest, condition, or imply that a buyer must use any particular lender. Agents who do so are in violation of this policy and the brokerage's compliance standards.

// What we do instead

Brokerage commission split. Nothing else.

Flika earns revenue exactly one way: a commission split on transactions closed by Flika agents under the brokerage. The split is contractually defined between Flika and the agent, and the brokerage's share is paid by the agent out of the closing commission — never by the lender, never by an affiliate, never by an MSA partner.

This means the brokerage's financial interests are aligned with the agent's, the agent's are aligned with the buyer or seller, and none of those interests have any structural reason to prefer one lender over another. Lender choice is the buyer's.

// Why this matters

The consumer real-estate landscape is consolidating under lenders.

Rocket Mortgage's acquisition of Redfin completes a vertical-integration play that other lenders are openly modeling. Within twenty-four months, the largest consumer real-estate portals will all be lender-owned or lender-affiliated. The buyer's agent on the receiving end of a portal lead increasingly operates beside the lender that referred them.

Mortgage brokers who refer relocating borrowers to those agents lose their borrower-to-agent referral leverage — and their borrower's next loan is being marketed inside the receiving brokerage's funnel.

Flika exists, in part, to be a brokerage that is structurally incapable of behaving that way. Not because the policy says so — because the structure says so. The policy is the receipt.

// One carve-out, named explicitly

Scout is a separate product. Different rules apply to it.

Scout is an AI-readable directory of US real-estate agents, operated by Flika as a separate product surface. Scout is not a brokerage — it does not represent buyers or sellers, take listings, or earn commission on transactions.

Scout may, under a published agreement, accept directory or routing fees from lenders to surface agents in response to AI-assistant queries. Agents surfaced by Scout in those flows may or may not be Flika agents — the directory is structurally neutral.

Money paid to Scout does not flow to Flika Realty as brokerage revenue. The wall between Scout's directory P&L and Flika's brokerage P&L is structural — separate entity accounting, separate revenue recognition, separate disclosures. A lender paying Scout does not pay Flika.

// Effective date and version

This policy is versioned. Material changes will be dated.

Version: 1.0
Effective: May 26, 2026
Last reviewed: May 26, 2026

// Questions about this policy

Founder-direct.

Mortgage brokers, agents, partners, journalists, or borrowers with questions about the wall policy or any specific structural claim made above can contact the founder directly.

spencer@flikah.com →