WHY?
HIGHLAND MORTGAGE
Highland Mortgage was created with one mission:
to better the lives of our clients, referral partners, and employees through transparency, simplicity, and expert guidance.
OUR MISSION
OUR VALUES
BEHAVIORS
Be Accountable • Be Respectful • Be Willing
While most companies emphasize corporate values, Highland’s focus is on company behaviors. It is not merely what is said, but what is done that truly matters. The willingness to act is what separates the genuine from the aspirational. Highland's leadership team exemplifies winning behaviors that consistently deliver positive outcomes for our clients and strengthen our balance sheet.
WELCOME
As an independent and employee-owned company, our decisions stay close to the people they affect.
We aren’t answering to distant shareholders or external agendas. That independence keeps the focus on the work itself—guided by relationships, accountability, and long-term thinking.
If you’re considering what’s next, this is simply an invitation for a look closer.
The path forward is shaped by experience and built with intention.
ABOUT US
Highland Mortgage is part of the BoxCar Mortgage family, a national mortgage platform built to support loan officers at every stage of their career.
Through its family of brands, including Valor Home Loans, Retire Secure, and Vybe Wholesale, Highland is supported by a broader range of lending products, in-house solutions, and growth opportunities.
Backed by Fannie and Freddie with over 130 years of combined leadership experience, we bring unparalleled expertise to every transaction.
5 Years & Beyond
Mark Milam & Bryan Lovell
Leadership Team
Sales Team Testimonial
The Difference
How We’re Different
2025
SLA Tracking
IN-HOUSE REFERRAL DESK
At Highland Mortgage, we are proud to have licensed professionals across the United States, allowing you to close loans in any state where a team member is licensed—ensuring you receive full compensation without limits.
Expand your reach and maximize your opportunities with our nationwide licensing coverage.
Originate in any state for full comp, minus $200.
Experience
Google Reviews
MEET THE TEAM
Business Expansion Model
Tailored Solutions for Growth
We support a range of paths. Whether that’s scaling an existing operation, opening a new branch, or structuring something more independent. The focus stays on flexibility, clarity, and practical support — shaped around how you work.
Highland Retail
A branch designed for seamless launch, subsequently supported and resourced by the company to facilitate production growth.
Highland P&L
A P&L branch model offering complete control over structural, staffing, expense management, and overall team administration.
Registered Team Name
(RETAIL OR P&L)
Putting the power of Highland behind your personal brand and reputation.
BE YOUR OWN BRAND
YOUR BRAND
AT HIGHLAND MORTGAGE
At Highland Mortgage, you’re not just building loans — you’re building a name.
We believe every Loan Officer should have a brand that reflects who they are, how they work, and the clients they serve. That’s why our marketing team works alongside you to develop a presence that feels authentic, professional, and built to last.
Personal Branding Support
From headshots and bios to social media strategy and content planning, we help you define and refine your voice in the marketplace.
Custom Marketing Assets
Logos, business cards, listing flyers, open house materials, email templates, video content, and landing pages — all designed to elevate your credibility and keep you compliant.
Digital Presence & Websites
Establish a professional online presence with personal websites, landing pages, and lead capture tools that keep you visible and accessible.
A strong marketing department should understand the business it supports.
Understanding products, compliance, and how loans actually move from application to close makes a meaningful difference in the quality and effectiveness of the marketing we produce. We work alongside loan officers, referral partners, and vendors to create marketing that’s practical, compliant, and easy on the eyes.
From personal branding to logos, websites, and online presence, our team helps you build something that fits who you are and how you work.
OUR MARKETING
PREMIUM AS A STANDARD
IN-HOUSETECH
We are committed to building technology that makes day-to-day work easier and faster to manage. Developed internally and shaped by how our teams actually operate — not by one-size-fits-all systems.
Scout’s Talk-to-1003
Allows borrowers to begin a mortgage application simply by speaking. Scout uses voice recognition and AI to convert a conversation into a completed application and automatically organizes the information. This helps borrowers start applications faster while giving loan officers a clean foundation to work from.
SCOUT
Mortgage OS
DATA Without A Leash
Our proprietary point-of-sale platform that powers the full borrower experience — from application to document collection to preapproval.
Secure intake & AI docs
Voice & Video 1003
Live status & messaging
SSO for staff & clients
STMNT
Commission Portal
A real-time electronic commission system that gives branches and originators full transparency into earnings and performance.
Live tracking, 24/7
Mobile-ready dashboard
Flexible P&L structures
Built-in production insights
Guroo
Business Intelligence
A centralized business intelligence tool designed to help originators analyze performance, manage the pipeline, and build a strategy.
Pipeline & trend insights
Time-based comparisons
Industry benchmarking
Voice access, anywhere
PowerUW
Smart Underwriting
An AI-powered pre-underwriting engine that helps identify risk, structure deals properly, and reduce underwriting surprises.
Rapid pre-underwrite
Early risk detection
Smarter deal structuring
Faster, smoother closings
Switchyard
Financing Calculators
Equity growth modeling
Refi cost insights
Pricing strategy comparisons
Rent vs. buy analysis
A suite of advanced calculators built to support strategic lending conversations and data-backed borrower decisions.
Products
NOT A MOM AND POP MORTGAGE SHOP
Highland has access to over 8,000 loan products, giving our team the flexibility to match borrowers with financing solutions that truly fit their situation.
From conventional and government-backed loans to specialized options for self-employed borrowers, investors, and unique financial scenarios, this expansive product lineup allows us to approach every loan with options—not limitations. Our goal is simple: connect each borrower with the right loan, backed by the strength and resources of the Highland Mortgage network.
As a proud direct lender for Fannie Mae and Freddie Mac, we offer a seamless loan process, competitive rates, and financing solutions that meet the highest industry standards. This distinction allows us to eliminate unnecessary steps, ensuring a faster, more efficient experience for our borrowers.
Your Benefits
LET’S START THE CONVERSATION
No pressure.
Making a move in your career is a big decision. Whether you’re simply exploring your options or ready to take the next step, our team is here to answer questions and walk you through what Highland Mortgage could look like for you.