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Amy Brand & Jennifer L Huber - Income by Design

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Ocean Springs, MS
Amy Brand & Jennifer L Huber - Income by Design

Helping heart-forward entrepreneurs stack income through real estate, lending & hybrid models. How will you tell your story?

Personal growth, mental health, and creative strategies for building wealth & impact—by design.

08/05/2025

Want to know the smartest way our top producers are growing their income?
They’re not just selling homes.
They’re not just closing loans.
They’re doing both — as full-service REMLOs.

In July, these leaders showed exactly what it means to stack your income while giving clients a seamless, start-to-finish experience:
👏 Tammy Crochiere
👏 Heath Van Patten
👏 Katrina Lee Fields
👏 Brent Nelms
👏 Brittany A. Brathwaite

When you help a client find the home and finance it, you:
✅ Make the process easier for them
✅ Increase your value
✅ Multiply your own income streams

That’s why these REMLOs are winning — and why you can, too.

📅 August is here. The opportunity is now.
Are you ready to design your income like they did?

08/04/2025

� Just Dropped: The #1 Income Opportunity Agents Are Missing �
If you're a real estate agent closing deals but not getting paid on the loan side... you’re leaving money on the table.

In this short video, I’ll show you how agents are earning $5K, $10K, even $27K+ extra a month—without extra tests, fees, or work.

� Get paid on purchase + refi loans
� In all 50 states
� No license, no 20-hour class, no tech cost
� Full lending team does the work—you get paid

� Drop “REMLO INFO” in the comments or DM me and let’s talk.

You’re already doing the work. It’s time to get paid for more of it.

08/01/2025

Are You a Real Estate Agent looking to Increase Your Income Without Working More Hours... another TEST or paying more FEES?

You help clients find their dream homes every day.
But what if you could also help them fund that dream ...and get paid for it?

Most agents leave thousands on the table because they don't realize they can offer mortgage services too. That’s where the REMLO model comes in.

💡 Imagine This:
You're already helping someone buy or sell a home.
👉 You offer to get them pre-approved or finance-ready.
👉 You introduce them to your Loan Partner.
👉 You send them your Apply Now link.
👉 They close.
👉 You get paid — again.

No extra hours. No heavy lifting. Just smarter income.

🛠️ The Plan Is Simple:
Identify your clients who need mortgage help — buyers and sellers.

Partner with a Loan Officer who supports you every step of the way.

Track the loan in real-time and stay in the loop.

Get paid when it closes.

It’s full transparency from start to finish. No surprises. No chasing.

🧭 You Don’t Need to Be a Lender — You Just Need a System
REMLO is your system.
You stay the hero to your client. We handle the back-end.
And together? You both win.

🎯 What's at Stake?
Keep working the old way…
❌ One paycheck per deal
❌ Hoping they qualify
❌ Watching someone else finance your client

Or…
✅ Double your value
✅ Offer full-service
✅ Increase your income
✅ Grow your business

Ready to Become a REMLO?
DM me “REMLO” and I’ll show you how to get started in minutes.
This isn’t another hustle — it’s a better business model.

Start offering lending services today.
Because your career should create more freedom not more work.

07/29/2025

Fun facts 🤪
Home equity lending is growing, presenting opportunities and challenges for lenders
HELOCs and home equity loans increased
7.2% last year: MBA
Luke Baynes
July 28, 2025
Home Equity Lending, Market Trends, Mortgage
Home equity lending — measured by volume of HELOCs and home equity loans — increased 7.2% year over year in 2024, per the MBA.

Homeowners are increasingly tapping into the equity in their homes, with originations of open-ended home equity lines of credit (HELOCs) and closed-end home equity loans increasing by a combined 7.2% year over year in 2024.

Those findings come from a comprehensive study of home equity lending by the Mortgage Bankers Association (MBA), which also found that total HELOC and home equity loan debt grew 10.3% last year.

“With close to $35 trillion of homeowner equity in residential real estate and many homeowners locked into low-rate first mortgages, HELOCs and home equity loans have become the product of choice for many homeowners,” Marina Walsh, MBA’s vice president of industry analysis, said in a press release.
Walsh added that lenders expect HELOC debt to grow by 10% in 2025 and home equity loan debt to rise 7%.
The MBA launched its annual home equity lending study in 2019. The association suspended the study for one year in 2022, as record-low interest rates in 2020-21 saw some lenders exit the home equity lending space altogether amid a borrower shift toward cash-out refinancing opportunities.

But interest in home equity lending has been increasing over the past few years as mortgage rates have climbed, the MBA report found, though borrowers’ reasons for accessing their home equity are shifting. In 2022, 65% of borrowers cited home renovations as the main reason for applying for a home equity loan. In 2024, that percentage dropped to 46%.

Instead, more homeowners are looking to pay off other debt, with 39% of home equity borrowers citing debt consolidation in 2024 versus just 25% in 2022.
At a company level, average HELOC commitment volume was $1.7 billion per lender in 2024, up from $1.6 billion in 2023. Home equity loan originations averaged $844 million per company last year compared to $788 million in 2023.

The MBA sees more runway ahead in the home equity lending space, as homeowners have borrowed less than 2% of their accumulated equity over the past two years. Additionally, the association believes more borrowers will tap into home equity if the economy worsens.

But challenges remain, Walsh observes, as “just 50% of home equity applications are closing, and turn times are averaging 39 days.”

Walsh cites automated valuations, integrations with mortgage platforms and accessible self-service options as ways lenders can increase efficiency and reduce costs amid growing demand for home equity lending.

07/29/2025

Hey friend — I’m Amy Brand, and I’m so glad you’re here �

In this live, I’m sharing my heart, my journey, and how I help buyers, agents, and investors create income by design ... even in the middle of real life.

With 26 years in mortgage lending and real estate, and as a member of the John Maxwell Leadership Team, I’ve learned how to turn both traditional and creative strategies into real freedom.

Whether you’ve been told “no” by the bank, you’re an agent doing all the work but not getting paid on the loan side, or you're just ready for more — there are solutions, and I’d love to share them with you.

DM me “READY” or drop a � if something I said resonated ... I’d love to hear your story.

Let’s design something that works — together.

07/25/2025

� Income by Design: Turn Your Knowledge Into Cash Flow
Most people work for money. Smart investors make money work for them.

Let me show you what that looks like in real life.

Jennifer didn’t just help a client buy real estate. She helped them solve a problem, access lending, tap into her network, and unlock options they couldn’t find on Zillow.

Why? Because she’s not just an agent. She’s not just a loan officer. And she’s not just an investor.

She’s all three ....and that means she has leverage.

She’s stacking income streams in a model that creates:

Cash flow

Equity growth

Scalability

Service-based relationships that create repeat business

This isn’t about sales. This is about strategy.

The Big Idea: Stack Roles. Multiply Returns.
Most people are taught to earn linear income ...one job, one check.

But investors think differently. We look for multipliers ...ways to earn once, get paid many times, or get paid in multiple ways from the same opportunity.

In Jennifer’s case:

She earned lending income (as a REMLO)

She could earn agent commission (if needed)

She offered consulting (because of her investor experience)

She stayed in the flow of deals (because of her network)

That’s how real investors think.
That’s Income by Design.

You Have One Life. Design It to Produce Income.
What Jennifer did isn’t magic. It’s math.
It’s mindset.
And it’s available to anyone who wants to build a portfolio ... not just a paycheck.

If you’re a real estate professional who wants to:

Stop working for every dollar

Learn how to turn deals into durable income

And build true financial independence

Then let’s talk.

There’s a system. There’s a team. And there’s a plan.

� DM us the word WEALTH and we’ll send you a free breakdown of how you can start stacking income like an investor ... not a salesperson.

07/23/2025

You deserve more than just a paycheck. You deserve a life by design.

If you’ve ever felt like you're working hard but not building true freedom, you’re not alone.

Whether you're a real estate agent, a loan officer, an investor, a W-2 employee, or just getting started...Income by Design exists to help you stack your income and build wealth intentionally, not accidentally.

We help you:
✅ Use income stacking strategies in real estate, lending, and hybrid business models
✅ Learn creative financing and alternative income paths
✅ Apply real-world strategies through live case studies and hands-on guidance
✅ Create a life and business that are profitable, purposeful, and people-first

This isn’t just about closing deals. It’s about:

Creating freedom and flexibility

Finding financial peace and emotional clarity

Living and earning in alignment with your values

We also share insights from John Maxwell and other leaders in personal growth...because business success is built on personal development.
And yes, mental health is a shared passion.
Because success means nothing without internal peace, clarity, emotional strength, and hope.
You are not alone.

👥 This community is for:
Real estate professionals and investors

W-2 employees who want more

Entrepreneurs (aspiring and experienced)

Anyone ready to build impact and income—with intention

This is your invitation to stop living by default… and start living by design.

Because your story isn’t over. It’s just getting started.

👉 How will you tell your story?

07/22/2025

I gained 1,480 followers, created 68 posts and received 59 reactions in the past 90 days! Thank you all for your continued support. I could not have done it without you. 🙏🤗🎉

07/21/2025

When the Bank Says No, Here's How to Say YES to Homeownership

🧭 THE PROBLEM:
Too many families are told “no” by banks, and they think that’s the end of the story. Maybe it’s the credit score. Maybe it’s a recent life storm—job loss, bankruptcy, medical bills. Whatever the reason, they walk away thinking, “I guess we just keep renting.”

🚫 THE COST OF INACTION:
But what if renting is costing you more than just money?
Every year you pay $24,000 in rent, you're throwing it away—with nothing to show for it. No equity. No legacy. No home.

🌟 THE TRUTH:
Being told no by a bank doesn’t mean you're not worthy. It means the system isn’t built for your story. That’s where we come in.

🏡 OUR MISSION:
At Income By Design, we don’t just help you buy a home—we help you build a life.
If the traditional route doesn’t fit, we guide you through how to become bankable—or how to succeed even when the banks say no.

🛠️ YOUR PATH:

We evaluate your situation with compassion and expertise.

If you qualify traditionally—great. We’ll help you close.

If not? We map out your route to YES—with creative, legal, safe strategies that put you in a home, not a holding pattern.

🙌 OUR PROMISE:
We will never put you in a situation that harms you. If it's not a fit, we’ll tell you. But if there’s a way forward—we’re going to find it, together.

📞 CALL TO ACTION:
Tired of renting and ready for a real plan?
Comment “READY” below or message us to see if you qualify for our “Path to Bankable” assessment.

07/17/2025

🌟 REMLO Spotlight 🌟
Income by Design Presents

One of our incredible REMLOs making waves in both the real estate and mortgage world!

Operating across Idaho and California, this REMLO is proof that when you combine expertise, education, and the right platform, you can create dual income by design. With a master’s degree in Construction Management from USC and years of experience in new construction, he brings more than just sales—he brings strategy, insight, and an unmatched eye for value.

Ranked among the top 0.2% of 86,000+ agents nationwide, and consistently in the top 100 agents in the Treasure Valley, this REMLO is leading the charge in redefining what it means to serve clients at the highest level—on both sides of the real estate and mortgage equation.

👉 If you’re a licensed agent looking to earn dual income, serve your clients better, and unlock new streams of opportunity...

📩 DM us “REMLO BRAND” and let’s talk about how to make this your story too.

07/16/2025

🔥Realtors: Your Deal Doesn’t Have to Die Here.
You’ve done everything right.
Your client found the perfect home.
You’ve guided them through the process.
And then...financing falls apart. 💥

You’re frustrated. They’re disappointed. And it feels like all your hard work is about to disappear.

But this doesn’t have to be the end of the story.

At Income By Design, we specialize in helping agents like you save the deal when financing fails. We offer real solutions for real buyers...especially the ones who don’t fit into the traditional box.

Here’s the plan:
Message us with the word "HELP"

We’ll review your client’s situation

You’ll have options to keep the deal moving forward

✅ Lease-to-own
✅ Private money
✅ Creative financing
✅ Second-look approvals
✅ Bridge loans

These aren’t just workarounds. They’re real pathways to get your buyer into a home and you to the closing table.

You’ve worked hard.
Don’t let one hiccup steal the win.
Let’s get your buyer the keys...and remind them why you’re the one they’ll refer forever.

📩 Send us a quick message or comment “HELP” below.
We’ll help guide you to the finish line.

You’re the hero of this story. We’re just here to hand you a better map.

07/14/2025

Growth will cost you something.
But not growing?
That’ll cost you everything.

Most people say they want change, but few are willing to surrender the familiar:
🔒 Safe but unrewarding jobs
🔁 Limiting routines
💬 Relationships that have lost their meaning

At Income by Design, we believe in growth by choice.
Not by default.

Every level of success demands a better version of you.
And we’re building a community of agents, entrepreneurs, and investors who aren’t afraid to grow into their purpose.

✨ Change is inevitable.
💥 Growth is optional.

But potential? That’s unlocked only by those who choose growth.

Ready to make that choice?

Address

1113 Ames Avenue
Ocean Springs, MS
39564

Opening Hours

Monday	8:30am - 5pm
Tuesday	8:30am - 5pm
Wednesday	8:30am - 5pm
Thursday	8:30am - 5pm
Friday	8:30am - 5pm

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Our Story

Loan Officer

NMLS #103259

Amy Brand is a Mortgage Professional that epitomizes integrity, energy, hard work, and creative service in every detail of the real estate transaction. Amy is a family woman with a devotion to God, her three beautiful children & her adorable chihuahua, Lucy. Amy started her career in the mortgage industry over 20 yrs ago . Her knowledge of products and programs allows her the ability to help her borrowers find the program that best matches their individual needs.