NEXA Lending Launches NEXA Unlimited Model for Loan Officers

PHOENIX, Sept. 1, 2026 /CourierPR/ -- NEXA Lending has introduced a groundbreaking model called NEXA Unlimited, which aims to redefine the revenue-sharing structure for loan officers in the mortgage industry. Through this new initiative, loan officers can now access 100% of the revenues from NEXA loans, eliminating all fees typically associated with mortgage transactions.

NEXA CEO Mike Kortas explained, "We are providing loan officers access to 100% of the revenues from their NEXA loans. If you are producing the business, building the relationships, serving the borrower, and creating the revenue, we believe you should have access to all of it. NEXA Unlimited is about giving great producers what they deserve."

This model challenges the traditional economic model prevalent in the independent mortgage broker channel, where loan officers often encounter flat fees, funding fees, file fees, correspondent fees, and closing fees. Kortas posed a direct question to top-producing loan officers: "How does your current company compete with this? If you are giving away revenues on every transaction that you do not have to give away, why? What are you getting in return?"

Von Maharaj, CFO of NEXA Lending, elaborated on the financial viability of the new model. He initially doubted the economics but, after running the numbers, concluded that the scale NEXA has achieved, along with its growing production volume and lean operating structure, made the model feasible. "With the scale NEXA has already achieved, the additional volume coming into the organization, and the incredibly lean way we operate, the math absolutely works," Maharaj said.

Kortas noted that NEXA operates with significantly less traditional fixed infrastructure, allowing the company to remain agile as it grows. "Too Good to Be True," Kortas acknowledges, but adds, "NEXA has grown to more than 4,000 loan officers and continues to expand through organic growth and strategic acquisitions. Our business model is built around scale, volume, operational efficiency, and a broader ecosystem of businesses and systems."

The launch of NEXA Unlimited comes at a time when established mortgage entrepreneurs are reevaluating the costs and responsibilities of running standalone mortgage companies. Recent developments, such as the addition of Anthony Casa and UMortgage, signal a broader industry shift. Kortas sees this as an opportunity for broker owners to become more entrepreneurial by eliminating the operational burdens that consume time and resources.

For some owners, becoming part of NEXA means not only maintaining but potentially enhancing their entrepreneurial spirit. One company preparing to join NEXA later this week described the opportunity as a chance to focus on production, leadership, relationships, growth, and the businesses they actually want to build. "If you are a broker owner, put the ego and the title aside for a minute and ask what is actually best for your loan officers, your business, and your family," Kortas said. "If you are running a small or midsize IMB and carrying all of that overhead, compliance responsibility, infrastructure, and stress, call us. Let us show you another way."

NEXA Unlimited is designed to reset expectations in the independent mortgage industry. Kortas believes that loan officers generate extraordinary value for mortgage companies, and the economics should reflect that. "The next era of the independent mortgage industry will not be defined by which company can charge the lowest flat fee, it will be defined by which company is willing to give the loan officer everything, and that number should be 100%," he stated.