Payroll - How is payroll handled and how to I get paystubs

Payroll is a multistep process with Coast 2 Coast.  In order to get paid, you must first ensure that the loan is funded and shows as funded in Arive.  You will next enter your Arive loan number into the Blaze system.  Blaze is a simple and intuitive system but operates separately from payroll.  Once you enter the information into Blaze and upload the CD/Hud1 and wire/check information, accounting will complete the Blaze process then export that information to our company payroll system.   W2 employees will use Quantum / Co-advantage and 1099 contractors will use Sullivan / Isolved.  You need an account with Arive, Blaze and either Isolved or Quantum to get paid.  In Isolved or Quantum, you will enter your personal information including your direct deposit information.  This is required to get paid. We do not cut physical checks.  To get copies of your checks, you would use the same vendor...either Quantum/Co-advantage if you are W2 or Sullivan/Isolved if you are 1099.

Payroll times and cutoffs are as follows:

What is Blaze?

Blaze is the system we use to submit commission requests. Once your request is submitted and verified, we use our external payroll providers to process the actual payments. Because these payroll companies have strict deadlines, timing and accuracy on your end is critical.

Requirements Before You Submit:

• Loan must be in FUNDED status in Arive
  • If you’re using the non-DEL version of Arive, the loan appears in Blaze immediately once funded.
  • If you’re using the core/basic version of Arive, there is a 24-hour delay before the loan appears in Blaze.

How to Submit in Blaze:

• Enter the Arive Loan Number — if the loan is funded, Blaze will automatically pull in the loan data.
• Upload only the Final Buyer CD. If the investor doesn't issue a CD, upload whatever documentation shows your actual commission. Do not upload the entire loan package — this delays processing.
• Upload the wire or check.  Having this input into Blaze helps us speed up the process of getting you paid.
• If you're splitting commission with another MLO, LOA, or processor, input their name and amount in the designated fields. We rely on what you enter to disburse payments.

Best Practices:

• Use the Notes section in Blaze, especially if the payment is non-standard or split. The more info you provide, the less back-and-forth and delay.
• Verify the CD before uploading — it must reflect your actual commission.

Payroll Timing:

• We pay weekly on Fridays.
• To be included in Friday’s payroll:
  • Your Blaze request must be submitted by the prior Friday.
  • Proof of funds (wire or check info from title) must be submitted into Blaze or emailed by end of day Monday. Please send these directly to Marcie Culley, Erin Overstreet and/or Bob Miller-Bagley
    • Note: When wires hit our account, they only show as generic credits. We need your help confirming which loan they belong to which is why we ask for the wire/check evidence.
    • Marcie sends a list of any unmatched funds each Monday to those with a pending Blaze request.

Out-of-Cycle Pay Options:

• 1099 Contractors:
  • Same-day pay available (except Tuesdays and Wednesdays) if requested before 1pm eastern.
  • $100 fee for out-of-cycle processing.
• W2 Employees:
  • No same-day option, but next-day is possible (except Tuesdays and Wednesdays) if requested before 1pm eastern.
  • Also subject to a $100 out-of-cycle fee.

Final Reminders:

1. Use the Notes section in Blaze for anything non-standard.
2. Only upload the Final Buyer CD (not the whole package).
3. Double-check the CD or uploaded docs show your commission clearly.
4. Submit your Blaze request by Friday before the pay week.
5. Send in proof of funds by end of day Monday.
6. Out-of-cycle pays must be pre-approved and cannot be done Tuesdays/Wednesdays. Cost is $100.