You're not stuck.
You're the system.
If you're the one taking the app, chasing the docs, updating the agent, and then trying to find time to prospect, your production is capped by your calendar, not your talent. UMortgage+ is a branch of NEXA Lending, LLC built to take the file off your desk and put a proven partner system in your hands. The goal is simple: double what you're closing now.
Why 2 a month stays 2 a month
We've sat on the same side of the table with a lot of loan officers in this exact spot. It's almost never a work ethic problem. It's the same six puzzle pieces missing, over and over.
You're still the processor
Every file you close is hours you didn't spend in front of an agent or a past client. You can't prospect your way to 4 a month while you're also the one chasing a VOE.
Follow-up happens "when you get to it"
Pre-approvals go quiet. Leads from six months ago are buying with someone else. Without a follow-up system running for you, your pipeline leaks faster than you can fill it.
Your agents are friends, not partners
You've got three or four agents who send you deals when they remember. The LOs closing 4 plus a month run a cadence with 14 to 26 agents. It's a playbook, not a personality.
Marketing is a second job you don't have time for
Reels, partner content, past-client touches. You know you should. You'll get to it after this closing. That "after" is where most LOs burn out about 18 months in.
Training ended in week two
You got the onboarding, the guideline PDFs, and a "reach out if you need anything." Nobody is looking at your numbers with you every week and telling you what to fix next.
You're a number on a pipeline report
Your manager knows your volume. They don't know your goal, your bottleneck, or what you're building toward. That's fine when the market's easy. It's lonely when it isn't.
What doubling actually takes
Nobody doubles by "working harder." You double by fixing four specific things in a specific order. This is the system every LO on our team runs. It's the same one we'd build for you.
Get the file off your desk
You get a dedicated Loan Officer Assistant. From application to clear-to-close, the LOA runs the file, chases conditions, and updates your agents. Your job becomes the conversation and the relationship. That's where the money is.
Dedicated LOARun the Advisor Intake Call
Most LOs quote rates. Ours run an intake framework we call the Triangle of Trust: the client, the agent, and you on the same side of the table. Higher conversion per lead means more closings from the leads you already have.
Triangle of TrustWork the Partner Playbook
A repeatable cadence for adding and keeping referral partners: who to target, what to bring them, how often to show up, and what to say. You'll know exactly how many partner touches you need this week to hit your number.
Partner PlaybookWin the deals others lose
Our internal tools hub gives you calculators, guideline references, and structuring help across conventional, FHA, VA, USDA and brokered options. When the other LO says "it won't work," you say "here's how."
Tools + structuring edgeProduction follows partners
Industry data on referral networks is blunt about it. The number of agents you actively work with predicts your tier better than almost anything else. The top 1% of originators work with 45 or more agents. The tiers below that work with 26, 14, 7 and 3.
If you've got 3 to 7 agents today, the Partner Playbook is built to move you up that ladder one rung at a time. Every rung is real closings.
Built for the LO who wants to grow, not just park a license
There are plenty of places you can hang your license for less and get nothing. UMortgage+ is the opposite bet: we invest in you daily because your growth is how the branch grows. Here's what that looks like in practice.
A dedicated LOA on your files
- Application to closing handled, with you kept in the loop, not in the weeds
- Agent and borrower status updates go out on time, every time
- Closing on schedule becomes your reputation, not your stress
- Your hours shift from processing to prospecting and partner meetings
1:1 coaching and a goal system that actually runs
- A written production goal, broken into weekly activity you can measure
- Regular one-on-ones with your branch manager on your numbers and your bottleneck
- Sales Huddle training on the advisor model, the intake call, and partner conversations
- Accountability that's about your goal, not just the branch's
Marketing and content done for you
- Short-form video scripts and reels concepts ready to record
- Partner-facing content and past-client touches built into your CRM journeys
- Milestone-triggered client education so your borrowers feel guided, not sold
- You show up consistently without building any of it from scratch
The NEXA Mortgage platform underneath it all
- Access to a deep marketplace of wholesale lenders plus non-delegated options
- Competitive NEXA compensation. We'll walk through your specific plan on the call
- Licensed and operating nationwide, so location isn't the limiter
- Internal tools hub with calculators and guideline references across every program
| Solo / "cheapest branch" | Typical retail branch | UMortgage+ at NEXA | |
|---|---|---|---|
| Who processes your file | You, or a processor you pay for | Shared processing pool | Dedicated LOA on your files |
| Coaching | None. You're on your own | Group sales meeting, maybe | 1:1 coaching with a written goal system |
| Marketing | You build it, you pay for it | Corporate templates | Scripts, content and CRM journeys built for you |
| Referral partner growth | Figure it out | "Go network" | Partner Playbook with a weekly cadence |
| Lender access | Broker only, or one lender | One lender's products and pricing | NEXA wholesale marketplace plus non-delegated |
| Who's watching your growth | Nobody | A pipeline report | A branch manager who knows your goal |
| Best fit for | Established 8+ a month producers who want zero overhead and need nothing | LOs who want a W-2 feel and don't mind the ceiling | LOs at 1 to 4 a month who want to double |
Straight talk: if you're already closing 8 plus a month with your own team and systems, a lower-cost seat might be the right call for you. This branch is built for the LO who's ready to grow and wants the support to do it.
Hear it from the team
Don't take our word for it. These are loan officers who came in exactly where you are.
Brian Cardenas, Branch Manager
"I'll empower you to make smart decisions about your business, the same way we empower our clients to make smart decisions about real estate."
Brian runs UMortgage+, a branch of roughly 25 loan officers, and still originates. He built the branch around one belief: the loan officer who acts like an advisor instead of a salesperson wins more deals, keeps more agents, and enjoys the job more. Everything on this page, from the intake call to the tools hub, came out of that belief.
He coaches loan officers directly, every week, on the numbers that matter. NMLS #183143.
Talk to BrianChad Cattani, Branch Manager
"I'll empower you to make smart decisions about your business, the same way we empower our clients to make smart decisions about real estate."
Chad runs UMortgage+, a branch of roughly 12 loan officers, and still originates. Chad helped build this branch with his deep loan knowledge, financial diligence, and industry relationships and a get it done attitude. When loan officers need help on a tough file, Chad steps in and leans on his deep industry relationships with decision makers to escalate files to the right person to get things done.
He coaches loan officers directly, every month, on the numbers that matter. NMLS #19054 .
Talk to Brian
Questions we get on every call
Is the branch margin worth it compared to going solo at NEXA?
Depends on where you are. If you're closing 8 plus a month with your own assistant and systems, probably not, and we'll tell you that on the call. If you're at 1 to 4 and the thing holding you back is time, follow-up, and partners, then a dedicated LOA, weekly coaching, and done-for-you marketing tend to pay for themselves in the first couple of extra closings. We'll walk through your actual numbers, not a hypothetical.
Do you provide leads?
No, and we'd be careful of anyone who says they do at scale. Our LOs build their business on referral partners and past clients. What we provide is the system to grow that: the Partner Playbook, the intake call framework, CRM journeys that keep your database warm, and the time to actually work it because an LOA has your files.
What is the Loan Officer Assistant actually responsible for?
Once you've taken the application and set expectations, your LOA manages the file: document collection, conditions, lender communication, status updates to your borrower and agent, and keeping the closing on schedule. You stay the face of the transaction and the person your client trusts. You just stop being the one chasing paperwork.
How does compensation work?
UMortgage+ operates on the NEXA Mortgage platform, so compensation is NEXA-competitive. We don't publish plan specifics here because they depend on channel and your situation. On the intro call we'll go through your plan line by line so there are no surprises.
I'm not in Arizona. Does that matter?
No. NEXA is licensed nationwide and our coaching, LOA support, and marketing are all delivered remotely. Several of our loan officers work from other states.
What does the first 90 days look like?
Week one is licensing transfer, systems setup, and meeting your LOA. First 30 days you're trained on the Advisor Intake Call and running it on live leads. Days 30 to 90 you're working the Partner Playbook with a weekly agent cadence and a written production goal you review with Brian. By day 90 you should have a clear read on your bottleneck and a plan to clear it.
Is "double your production" a promise?
No. It's the goal we build the plan around, and it's realistic for an LO at 1 to 4 a month who works the system. Your results depend on your effort, your market, and your existing relationships. What we promise is that you won't be doing it alone.