START YOUR COMPENSATION
AT 275 BPS
If you're not earning 275 bps on your NEXT loans, it's time to explore NEXA Lending.
Bring your business from a low-paying retail lender to the largest mortgage brokerage in America and get paid what you're worth. Simply transferring your license could give you an immediate raise for the work you're already doing — while joining a platform that helps you build your own business instead of enriching a local broker who keeps a large share of the profit you bring into the office.
Stop - Drop Them - And Roll Over to NEXA
Three Ways to Earn 400 BPS
Three Ways to EARN 400 BPS
There are three specific ways NEXA will pay your 400 BPS on your next deal.
1. Begin Introductory 6-Month Trial
You’ll automatically be eligible for the NEXA 100 compensation plan for 6 months (180 days) once you transfer your license to NEXA Lending. There is no need to meet a loan volume amount and no need to build a team of loan officers during these 6 months to earn 400 bps. You’ll earn this commission when you fund a loan during this introductory period by using one of these lenders:
UWM – Finance of America Reverse – Deephaven – PennyMac
2. Personally Produce $2MM of Corresponding Loans
If you individually close $2MM in loan values using the NEXA 100 lenders, you’ll earn 400 bps. But if you decide to bring your colleagues over to NEXA, their loan amounts will be added to yours to qualify for 400 bps.
3. Build a Team
If a colleague you invite joins NEXA and they close a loan with one of our 200+ lenders, you could earn 400 bps, provided your loan also closes in the same month.
The more loan officers you invite to explore NEXA, the greater your opportunity to qualify for the NEXA 100 and maximize your earnings. But recruiting is optional.
4. Recruitment
NEXA does not require loan officers to recruit other loan officers. Recruiting is completely optional. NEXA also provides multiple ways to earn 400 bps and 100% commissions based on your own production and business goals.
Earn 100% of the NEXA Commission
There Are Two Ways To Get Paid 100%
100% Commission Opportunities – means NEXA reimbursing the standard 25-basis-point corporate fee and 12% profit-sharing deduction.
But if you are a W2 NEXA employee, you still must pay the Administrative Fee (10%) because it’s your contribution to your federal taxes since you are still considered self-employed.
Qualification to Earn 100%
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Meet the monthly loan volume thresholds as an individual as shown on the NEXA Compensation Plan or the NEXA Partnership Compensation Plan.
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Qualify for NEXA 100 by recruiting loan officers who consistently close loans during the same period that you close a personal loan.
Recruitment
NEXA does not require loan officers to recruit other loan officers. Recruiting is completely optional. NEXA also provides multiple ways to earn 400 bps and 100% commissions based on your own production and business goals
NEXA 100 Program
NEXA 100 Program
The NEXA 100 program is a correspondent lending model that allows eligible loan officers to earn 100% of their commission on qualifying loans by reimbursing the standard 25-basis-point corporate fee and 12% profit-sharing deduction.
Program Highlights
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Automatic Eligibility: Every new loan officer qualifies for their first 180 days at NEXA.
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Ongoing Qualification: After 180 days, eligibility continues by having at least one active first-level sponsored loan officer who closes a loan during the same month.
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Participating Lenders: Qualifying correspondent loans must be funded through NEXA 100 lenders.
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Maximum Compensation: Eligible loan officers receive the equivalent of the corporate fee and profit-sharing deductions back as a bonus, allowing them to earn 100% of their selected commission on qualifying transactions.
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Compliance Focus: The program follows all applicable compensation regulations and emphasizes proper source-tier and compensation compliance.
The NEXA 100 program is designed to reward loan officers who help NEXA grow its business model by recruiting other loan officers.
The NEXA Formula
NEXA keeps the business running with a small operational cost, then invests in growth through revenue share—so you keep more of what you earn.
Loan Margin
Your commission percentage
You choose your compensation level (75 bps - 400 bps).
Operational Costs
25 bps of loan amount
Covers technology, processing, compliance, corporate operations and infrastructure.
Revenue Share Contribution
12% of the Commission
After subtracting the Operational Cost. Funds the revenue share program and is paid to your upline based on the recruiting chain.
Administrative Fee
10% of commission
10% of the commission after subtracting the Operational Cost, NEXA Profit, and other business expenses.
Your Take Home Commission
What you keep
The amount deposited to you after all applicable fees.
How it Works in Real Life
NEXA’s Loan Fee Scenario
Let us use the following loan amount of $500,000 and the maximum margin allowable for an independent loan officer using 275 bps as the commission (2.75%) or $13,750 (Gross Commission) to explain the NEXA Loan Fees.
Three NEXA Loan Fees:
1. NEXA’s Operational Cost
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25 bps of the Loan Amount
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Example: 0.25% of $500,000 = $1,250
2. NEXA’s Profit – to 1099 NEXA Employees
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12% of the commission after subtracting the Operational Cost
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Example: 12% of ($13,750 - $1,250) = $1,500
3. Admin Fee – only charge to W2 NEXA Employees in accordance with state regulations
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Since loan officers are considered self-employed individuals, this fee covers a portion of the employee’s federal tax obligations.
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10% of the commission after subtracting the Operational Cost, NEXA Profit, and other business expenses.
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10% of ($13,750 - $1,250 - $1,500) = $1,100
Therefore, if you were to close on a $500,000 Loan, the breakdown would look like this:
Item | Fee | Balance | Commission |
|---|---|---|---|
Check to W2 Loan Officer | $9,900 | ||
Admin Fee (10%) * | $1,100 | $9,900 | |
Check to 1099 Loan Officer (Compensation of 220 bps after fees) | $11,000 | ||
Other Business Expenses | $0.00 | $11,000 | |
NEXA Profit (12%) | $1,500 | $11,000 | |
Operation Cost (25 pbs) | $1,250 | $12,500 | |
Broker Check to NEXA (Gross Commission) | $13,750 |
400 BPS - New Loan Officer
Promotion
Promotion Qualifications
Eligible new loan officers may earn up to 400 bps on qualifying loans closed during their first six full months. After the promotional period ends, eligibility depends on partnership status and recruiting qualifications.
Revenue Share Contribution
12% of your net commission funds the revenue share program. That money is distributed throughout your recruiting organization. Instead of going to corporate executives, it helps reward loan officers who help grow the company.
01
You Close The Loan
You do what you do best-close loans and help your clients
02
12% to The Share Program
12% of your net commission funds the revenue share program
03
Revenue Share Pool
That money is placed into the revenue share pool
03
Paid to Recruiting Partners
The funds are distributed throughout your recruiting organization