321 lenders. 7,000+ loan products. Three ways to be paid.
NEXA does not have one payout model - it has three. What changes between them is the condition attached, and how much of the lender panel you are drawing from.
Three tiers, and what each one asks of you.
| Tier | Lenders | Payout | Condition | Share of NEXA loans |
|---|---|---|---|---|
| NEXA Unlimited | 9 wholesale providers | 100% of the revenue | None | 96%+ |
| NEXA 100 | 28 non-delegated correspondent lenders | 100% of the revenue | One producing recruit per year | Under 4% combined |
| Broker panel | 284 broker companies | At a 275 bps margin: 220 bps to you, 55 bps to the company on the first $2M, then 100% | None |
Tier structure and qualification requirements are set by NEXA Mortgage, LLC and are subject to change. Confirm current terms directly with NEXA Mortgage, LLC.
Nine providers. 100% of the revenue. Nothing required.
No volume requirement. No recruiting requirement. 100% of the revenue is yours, automatic from day one. Over 96% of all NEXA loans are placed through these nine - so the top tier is not a niche you have to qualify for. It is where the business actually happens.
- United Wholesale Mortgage (UWM)
- PennyMac
- Longbridge Financial
- eVOLend
- Finance of America Reverse
- Deephaven
- eLend
- EPM
- TLS - The Loan Store
United Wholesale Mortgage and PennyMac are NEXA wholesale providers, not competitors. Both rank among the top three lenders in the country by total origination volume. NEXA places loans with them and pays out 100% of the revenue on every one - along with Longbridge Financial, eVOLend, Finance of America Reverse, Deephaven, eLend, EPM and TLS.
UWM and PennyMac ranked #1 and #2 by total origination volume in Q1 2025 (HousingWire, April 2025).
28 more lenders at 100%. Bring one person a year.
NEXA 100 opens 28 non-delegated correspondent lenders, also at 100% of the revenue. The only condition is one producing loan officer per year that you brought to NEXA - someone who closes at least one loan a month. If you would rather recruit no one, stay on NEXA Unlimited and keep 100% anyway. The choice is yours, and it is not a downgrade.
Lender availability varies by state and program. Confirm current availability before quoting.
The remaining 284 broker companies.
These pay the base NEXA plan - at a 275 bps margin, 220 bps to the loan officer and 55 bps to the company on the first $2M of production, with 100% after that threshold. Under 4% of NEXA loans are done this way.
That is the full picture, all 321 lenders, stated plainly. Look at the whole panel, see which tier your business fits, and make the call yourself.
7,000+ products, and the reason there are that many.
A broker model prices each loan across many lenders rather than pushing everything through one credit box. That is what a panel this size buys you.
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)
Product availability varies by lender, state and borrower qualification. Not all products are available in all states.
Which tier fits your business?
That depends on two things: your production and whether you want to build a team. Book a call and we will map it.
This site is for the recruitment of licensed mortgage professionals and is not an advertisement for consumer credit, an offer of employment, or a commitment to any specific compensation. Compensation, lender availability and program terms are set by NEXA Mortgage, LLC and are subject to change - verify all current terms directly with NEXA Mortgage, LLC. Bill Burg, NMLS# 1647508, AZMB#0944059 | NEXA Mortgage, LLC, NMLS ID #1660690 (nmlsconsumeraccess.org). Equal Housing Opportunity.
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.