Marketing Offset and Expenses

The Marketing Offset Program empowers our sales team to build a dedicated marketing expense fund. These funds are then used to cover approved marketing and advertising, networking and coaching expenses.

How It Works: Each pay period, you decide how much to contribute—either a set basis points (bps) amount or a flat amount. This adjustment allows you to strategically allocate funds for marketing efforts.

Flexibility: You can update your contribution amount once per month, giving you control over your marketing spend.

Eligible Expenses: Funds can be used for invoices from both enterprise and approved non-enterprise vendors on our approved list (as listed below), as well as for expenses associated with coaching and professional development, networking organizations, and marketing advertising related to the purchase of promotional and apparel products.

Eligible Vendors for Offset Program

Eligible Enterprise Platforms

  • BombBomb

  • CardTapp

  • Homebot - Client Portal

  • Homebot - Partner Intel

  • Mortgage Coach

  • Yext Listings & Reviews

Eligible Non-Enterprise Platforms

  • Realtor.com

  • rebeliQ (formerly leadPops) - Annual Subscriptions Only

  • Usherpa

New Vendor Review Option

If you have a vendor that you would like to be considered as an eligible enterprise platform, please submit a request here.

Eligible Third-party Vendors

  • Coaching and Professional Development

  • Networking Organizations (Membership Dues)

  • Promo and Apparel Vendors*

  • Advertising Publications*

  • Vendors related to a Sales Marketing Event**

*All promotional material and advertisements must be reviewed by compliance, otherwise the invoice may be rejected.
**A Sales Marketing Event is one that is outward-facing, relationship-driven, and brand-forward designed to connect with current and prospective customers while strengthening relationships with key referral partners.

Invoicing: This is NOT a reimbursement program. In order for invoices to be eligible for the Marketing Offset program, SWBC must pay the invoice that is submitted. To submit invoices to be paid under the Marketing Offset Program, e-mail MortgageAccountsPayable@swbc.com. You do not need to submit any invoices related to Eligible Enterprise Platforms (listed above).

If you need personal tax advice, consult a tax professional before participating.  

ENROLL OR UPDATE YOUR OFFSET

NOTE: If you are updating your marketing offset elections, choose all of the enterprise platforms you are currently enrolled.

To view the Marketing Offset Policy, please click here.

Marketing Offset FAQ

  • A voluntary account funded by adjusting bi-weekly commissions, used to pay for specific marketing & advertising, coaching, and networking expenses.

  • You may elect a commission calculation adjustment each pay period to establish a marketing offset account by selecting a set amount of basis points (“bps”) or by selecting a flat amount by completing a Marketing Offset Addendum to their Loan Officer Compensation Plan.

  • Marketing offset funds may ONLY be utilized to pay expenses invoiced by a vendor on the Company’s approved vendor list. Invoices pre-paid by the employee are NOT eligible for reimbursement under this Program under any circumstance.

    The Mortgage Accounting Department shall review account balances for payment of enterprise vendor services to ensure the accounts maintain a minimum balance of no less than the average cost of the service for one month on an ongoing basis. If a minimum balance deficiency is identified, the Company may notify the employee and their manager that the enterprise vendor service has been suspended.

  • Vendors or platforms approved by the Company wherein the Company and vendor have established an enterprise-wide contractual agreement for use by the employee to conduct certain marketing activities.

  • Company approved marketing vendors where employees are permitted to utilize, that are not Enterprise Vendors (Company has not established an enterprise-wide agreement with the vendor)