Are You Really in Control of Your Mortgage Business?

Here’s a question most loan officers don’t stop to ask themselves: Who actually controls your business? Do you own your CRM, or does your company make you put your leads in theirs? Do you set your own margin, or does someone else decide that for you? What about your branding? Are you building something that reflects who you are, or are you fitting yourself into someone else’s image?

Most loan officers assume they’re in control. When you actually look at how most mortgage companies operate, though, the company is calling the shots on almost everything. The rates, the marketing, the database, the brand. It adds up.

I’m DJ Christofferson, a licensed loan officer for almost 17 years, a top half-percent producer in the country, and I’ve helped build a mortgage company by multiple billions in annual volume. These days, I help loan officers and branch managers build mortgage careers they actually love.

I want to talk about what it looks like when a company gives you that control back.

Your rates should be your decision. This is one of the biggest ones. At NEXA Lending, you control your interest rates on a per-deal basis. If you want to sell higher rates and make more money on a deal, you can. If you want lower margins and lower rates because you want to be the price leader every time, you can do that, too. Variability from deal to deal is your call, not someone else’s.

Some people will tell you that kind of flexibility isn’t legal. They’re wrong. There are compliant ways to do it, and the reason most mortgage companies won’t let you is because they want to keep that control for themselves. At NEXA, we show you how to do it the right way, and then the margins and the deals are yours to manage.

Your marketing and your brand should reflect you. Every big mortgage company has a marketing department, and most of the time, it feels like their job is to find reasons not to approve your ideas. It’s not compliant, it doesn’t fit the brand, and there’s always a roadblock. Meanwhile, those delays are costing you business.

NEXA has a marketing department, too, because there are legal requirements to meet. The difference is that we find ways to make your ideas work instead of shutting them down. If you come to us with a marketing concept or branding direction, we make sure the compliance boxes are checked, then let you run with it.

If you want to do something bold, something completely different from what everyone else in the industry is doing, go for it. We give you back your name and your voice. If you want to have your own teammate or set up a DBA so you can run it as your own business, you can do that, too.

Your leads and your database belong to you. Most mortgage companies want your leads in their CRM because it gives them control. If you ever decide to leave, those leads stay behind. You built the relationships, but the company owns the data.

NEXA’s approach is to treat you like an owner. We don’t provide you with a CRM, and that’s by design. We want you to own your CRM and own your data. Tools and systems are available if you want them, but the database is yours. If we don’t deliver on what we’ve promised, you take your leads and go. No strings. You have full control over your business.

Let’s set up a time to talk. If having control over your rates, your marketing, and your database sounds like the kind of model you’ve been looking for, I’d like to set up a one-on-one Zoom with you.

We can talk through what your business looks like right now and what it could look like with this kind of freedom. Reach out at 262-751-3415 or DJ@NEXAmortgage.com, or visit DJChristofferson.com to learn more.