Build your business.
Keep more of what you earn.
LJ Realty Team and LJ Mortgage Team are one platform for ambitious real estate agents and mortgage loan originators across Queens, Long Island, Brooklyn and the Bronx. Technology, training and a lender under the same roof, with a commission structure you can read before you call.
Thinking about changing brokerages?
You already know how to work. What you need is a brokerage that pays you like it, backs you when a deal gets hard, and tells you the truth about the numbers. Bring your last twelve months. We'll sit down, show you exactly what they would look like at LJ, and let you decide. No pressure, no recruiter, and your current broker never hears about it.
Schedule a confidential conversationOr call / text (516) 218-1261
Lucky SinghFounder and broker. You talk to him, not a recruiter.
One roof for real estate and mortgage
Most brokerages refer buyers to an outside lender and hope. At LJ the loan officer sits in the same office as the agent, pre-approvals happen the same day, and the deal stays with the team from first showing to closing.
Realtor
Finds the buyer, wins the listing, keeps 80–90%.
Loan officer
Pre-approves the buyer, shops multiple lenders, closes.
A split you can read
Agents keep 80% to 90% of every sale, with no desk or office fees. The full structure is published on the careers page, not revealed after you sign.
The tools you actually use
OneKey MLS Matrix (agent pays MLS dues), TransactionDesk, GeoData, RPR and RentSpree for agents. Arive and multiple wholesale lenders for loan officers. All in one Agent Portal.
One-on-one with the broker
Scripts, role-play, shadowed listing appointments and line-by-line loan file reviews with Lucky, not a library of webinars.
Transaction and processing help
Checklists for every side of a deal, a processing workflow that keeps mortgage files moving, and a broker who picks up the phone.
Referrals built into the model
Realtors send buyers to LJ Mortgage; loan officers send pre-approved buyers back. Plus Zillow, Realtor.com and RedX sources ready to go.
An office you can use
Meeting rooms, printing, signings and a weekly team meeting on Rockaway Boulevard, ten minutes from the Nassau line. Recorded for agents in the field.
How LJ compares to a typical franchise brokerage
“Typical” describes common structures at national franchise offices in the New York area and varies by office. LJ's column is our published structure.
| LJ Realty Team | Typical franchise office | |
|---|---|---|
| Agent split | 80% → 85% → 90% by production | Often 50–70%, before franchise fee |
| Monthly desk / office fee | $0 | Common |
| Franchise fee off the top | None | Often 6–8% of commission |
| MLS dues | Agent pays their own MLS fees | Agent pays, often plus a tech fee |
| Mortgage | In house, same office, same day | Referral to an outside lender |
| Training | One-on-one with the broker | Classes and webinar libraries |
| Rentals | 80% on voucher rentals, $100 flat fee otherwise | Often the same split as sales, or discouraged |
| Who you talk to | The founders | A recruiter or team leader |
For Realtors: keep more, get more
Licensed salespersons and associate brokers join LJ Realty for a tiered split that rewards production, no monthly fees, and a lender in the next room. New agents get a plan for their first listing; experienced agents get their pipeline transferred and their split raised.
- 80% at 1–2 closings, 85% at 3–4, 90% at 5+
- Rentals: 80% on voucher rentals, $100 flat fee otherwise
- E-signature and research tools at no charge
- Weekly recorded team meeting and one-on-one training
LJ Realty Team agents, one office in South Ozone ParkMeet the team →
LJ Mortgage Team loan officers, NMLS 2120286Meet the team →
For Loan Officers: referrals from day one
LJ Mortgage Team is a licensed mortgage broker working with multiple wholesale lenders, so you shop every file instead of selling one rate sheet. You start on Arive, you sit with the realty team, and your first submissions are reviewed with the broker before they go to underwriting.
- 14 programs: Conventional, FHA, HomeReady, VA, DSCR, bank statement, 1099, ITIN, HELOC, commercial, construction and more
- Licensed in New York and seven other states
- NMLS sponsorship and continuing education handled
- Compensation discussed one-on-one and confidentially
Recruiting across New York City and Long Island
Our agents and loan officers work Queens, Nassau County, Brooklyn and the Bronx. Each market has its own page with what it is actually like to work there.
Two brothers, two licensed companies, one office
LJ Realty Team Inc. was founded in Queens in 2018 by Lakhwinder “Lucky” Singh and Jaswinder “Jas” Singh. LJ Mortgage Team Inc. followed so the team's buyers would never have to leave the building for financing.
Lakhwinder “Lucky” Singh
Lucky founded LJ Realty Team in Queens in 2018 and leads both companies from the South Ozone Park office. He trains agents one-on-one, reviews loan files with new originators and runs the weekly team meeting, which is recorded for anyone who misses it.
Jaswinder “Jas” Singh
Jas co-founded LJ with Lucky and runs LJ Mortgage Team Inc., a licensed mortgage brokerage working with multiple wholesale lenders and processing workflow that keeps files moving.
What agents and loan officers say
Real quotes from real people on the team. Placeholders are shown until they are collected.
[Placeholder — real agent quote goes here. Ask an agent who moved from another brokerage what changed for them.]Realtor, Queens
[Placeholder — real loan officer quote goes here. Ask about lender access and referral flow.]Loan Officer, Long Island
[Placeholder — real quote from a newly licensed agent about training and their first closing.]New agent, first year
Frequently asked
Short answers. Longer ones in the conversation.
What commission split does LJ Realty Team pay agents?
80% at one to two closed transactions a year, 85% at three to four, and 90% at five or more, with a $999 minimum brokerage portion per transaction. There are no desk or office fees.
Is LJ Mortgage Team a lender or a broker?
A licensed mortgage broker, NMLS #2120286, working with multiple wholesale lenders. Loan officers can place each file with the lender that fits the borrower.
Where is LJ located and which areas do you recruit in?
The office is at 127-03 Rockaway Blvd, South Ozone Park, Queens, NY 11420. We recruit real estate agents and loan officers across Queens, Long Island (Nassau County), Brooklyn and the Bronx.
Can I join if I am not licensed yet?
Yes. Agents in the 77-hour course and loan officers finishing the 20-hour SAFE course can start the conversation now. LJ sponsors licensing when you pass.
Who do I talk to?
The broker. Lucky Singh handles both realtor and loan officer conversations. There is no recruiter in between.
127-03 Rockaway Blvd
South Ozone Park, NY 11420. Off the Belt Parkway and the Van Wyck, ten minutes from the Nassau County line. Meeting rooms, printing, signings and the weekly team meeting.
Mon–Fri 9am–7pm · Sat 10am–5pm · Sun closed
Find us on Google: LJ Realty Team · LJ Mortgage Team
Read before you decide
Plain-language guides for agents and loan officers weighing a move.
Every Loan Program a LJ Mortgage Team Loan Officer Can Offer
The 14 loan programs LJ Mortgage Team loan officers place through wholesale lenders: FHA, Conventional, HomeReady, VA, DSCR, bank statement, 1099, ITIN, HELOC, commercial and construction, with minimum credit, down payment and DTI for each.
Read →RealtorsHow to Get a Real Estate License in New York (2026 Step-by-Step Guide)
Every step to become a licensed real estate salesperson in New York: the 77-hour course, the state exam, eAccessNY, choosing a sponsoring broker, fees, timeline and a real example from Queens.
Read →Loan officersHow to Get a Mortgage Loan Originator (MLO) License in New York
Step-by-step guide to the New York MLO license: NMLS account, 20-hour SAFE course with NY content, the national test, background and credit checks, sponsorship, Form MU4, fees, timeline and a Long Island example.
Read →Ready to talk?
Twenty minutes with LJ. Bring your numbers, ask anything, and nothing leaves the room until you decide.
You already know how we talk. This is the same team.
The videos are Lucky and the LJ agents, filmed in the South Ozone Park office and on Queens and Long Island streets, no script and no agency. Follow along, then come meet the people in them.