NEXA100 Comp Plan: Keep Up to 100% of Your Revenue

By DJ Christofferson

After being downsized in 2007, DJ shifted from corporate America into real estate and ultimately found his true lane in mortgages. He built his production on one core principle: be the kind of partner to Realtors he wished loan officers had been for him. Be valuable.

Most loan officers have been told, at some point, that they have to choose.

You can have high compensation, but you’ll carry high rates that cost you deals.

Or you can offer low rates, but you’ll give up your comp to do it. I heard the same thing for years.

It isn’t true, at least not at NEXA, and the reason comes down to how the company actually makes its money.

Before I stepped out of production to help other loan officers grow, I closed almost 300 loans in my last full year, so I’ve sat in the chair you’re in. What I wish someone had shown me sooner is that the tradeoff everyone accepts as gospel is really just a product of how most companies are built. Change the structure, and the tradeoff disappears.

You keep 100% of your revenue, with no split and no padded margins. We recently enhanced what was already one of the top comp plans in the business, and the headline is simple: you make 100% of the revenue generated on your loans. No split to the company, no margins quietly padded on the back end. The money the loan generates is yours. That alone puts more in your pocket per deal than most producers are used to, and it does it without asking you to do anything differently on the origination side.

Because we don’t pad margins, your rates stay low. This is the part that surprises people. High comp usually means high rates, since the company has to make its money somewhere. But we don’t make our money on your rates, and we don’t pad the margins, so the rates you quote stay genuinely competitive. That means you’re not choosing between getting paid and winning the deal. You get both, which is the opposite of the tradeoff most officers have made peace with.

And the largest product mix in the country means you close more of what you already have. More money per deal only matters if you’re closing deals, and this is where a lot of producers quietly leak income. When you can place almost any scenario, you stop turning away the borrower who didn’t fit the box or the file another company’s overlay killed. With the largest product mix in the country behind you, more of the leads already in your pipeline turn into closings, and you become the officer your referral partners can’t afford to lose.

Put those three together, keep 100% of your revenue, quote low rates, and close more of your pipeline, and you can see why the old “pick one” framing falls apart. But you shouldn’t take my word for it, and I wouldn’t want you to.

That’s exactly why I host two live info sessions via Zoom every week, on Mondays and Thursdays.

I walk through the whole thing in real time: how the comp works, why the rates stay low, and how the product mix closes more deals, and I answer any question you bring, on camera or off.

It’s the fastest way to see whether this holds up against your own production.

If you’d like to see the math on your own numbers, or you’re just weighing what a move could look like, I’m glad to walk through it with you directly. Call or text me at 262-751-3415, email me at DJ@NEXAmortgage.com, or visit DJChristofferson.com. Come see it for yourself, and decide from there.