The Loan Matrix
321 lenders. 7,000+ products. Never say no.
You aren't tied to one underwriting desk. Instant turn-key access to 321 lenders — including UWM and PennyMac, two of the top three lenders by total production volume — and over 7,000 loan products.
321 lenders. Three ways they pay you.
NEXA gives you access to 321 lenders. How your compensation works depends on which tier the lender sits in — and the tier that covers almost everything is the one that requires nothing from you.
More than 96% of the loans NEXA originates are done with the nine NEXA Unlimited providers — where you keep 100% of the revenue with no recruit requirement. The remaining tiers exist for the rest, and for most loan officers they amount to very few loans.
100% of revenue
You keep 100% of the company's revenue on every loan. No recruit requirement of any kind.
96%+ of all NEXA loans are done here.
100% of revenue
Bring one producing loan officer to NEXA and you qualify for 100% of the revenue on this tier's loans as well.
Requirement: 1 producing LO you brought to NEXA.
220 bps / 55 bps
At a 275 bps margin, 220 bps is paid to you and 55 bps to the company — on the first $2M in production, after which you move to 100%.
Applies to under 4% of loans.
Lender counts, tier assignments, compensation structures, and payout terms are set by NEXA Mortgage, LLC and are subject to change. Verify current lender lists and terms directly.
The Nine NEXA Unlimited Providers
- UWM
- PennyMac
- Longbridge
- Evolend
- Finance of America
- Deephaven
- eLend
- EPM
- TLS
These nine carry 96%+ of NEXA's loan volume — and every one pays you 100% of the revenue on every loan you originate.
Product coverage
Agency & Government
Conventional, FHA, VA, USDA, and Jumbo programs with wholesale rates and minimal overlays.
- Fannie Mae & Freddie Mac
- FHA 203(k) Rehabilitation
- VA 100% LTV Loans
- High-Balance Jumbo to $10M+
Non-QM & Alternative Doc
For self-employed borrowers, business owners, and real estate investors.
- 12 & 24 Month Bank Statements
- P&L Only Programs
- Asset Depletion Loans
- 1099 & VOE Only
Investor & DSCR Solutions
No personal income verification. Qualified on property rental cash flow.
- DSCR down to 0.75 ratio
- Short-Term Rental Cash Flow
- Blanket Investor Mortgages
- Fix & Flip Bridge Financing
Commercial & Reverse
Expand into commercial real estate and reverse mortgage lending.
- Multi-family 5+ Units
- Mixed-Use Properties
- Commercial Construction
- Reverse Mortgage (HECM)
Bill Burg — Executive Partner, NEXA Lending
Running my lending business from a sailing catamaran in the Caribbean for the last 18 months. Same platform, same economics, real freedom. 23 years in real estate and mortgage.
Lender rankings reflect total production volume across all channels per publicly available industry data. Product availability varies by provider and state. Program details are subject to qualification and change — verify all current terms directly with NEXA Mortgage, LLC. Equal Housing Opportunity.