[Bill Burg]

Yes — this is an available structure at NEXA, and it’s something broker owners use strategically.

If you own a mortgage brokerage and are licensed in multiple states, you can operate under your own brokerage in the states where it is licensed, and be sponsored by NEXA Mortgage in additional states where your company is not yet licensed. You are not licensed under two mortgage companies in the same state at the same time. Each state has a single sponsoring entity, and that sponsorship is clearly disclosed and compliant.

This approach allows broker owners to:

• Expand into new states immediately

• Stay fully compliant with state-by-state licensing rules

• Avoid delays while additional state licenses are being pursued

Everything is handled with clear separation by state, proper disclosures, and NEXA compliance oversight. There is no overlap within a transaction and no dual sponsorship in a single jurisdiction.

Why this works at NEXA is simple: the platform is built to support scale. Many broker owners start this way, and over time choose to consolidate operations here because the execution, pricing, and economics make sense—not because they have to, but because it’s efficient.

Clean structure. Clear lanes. No drama.

[Bill Burg]

One quick note before this thread moves on.

There’s a press release coming that speaks directly to the consumer side of this conversation—and it’s overdue.

Dual licensing is usually framed around what it does for the professional. More control. More options. More income. All true, but incomplete.

What’s being addressed next is what it does for the borrower and the buyer: fewer handoffs, clearer accountability, tighter timelines, and a cleaner experience when one qualified professional understands both sides of the transaction and operates inside defined guardrails.

This isn’t about cutting corners or blurring lines.

It’s about raising the standard.

The upcoming announcement introduces a structured designation designed to protect the consumer while empowering the right professionals to operate at a higher level—transparency up, friction down.

Details soon.

The consumer impact is the headline.

[Bill Burg]

The dually licensed conversation usually goes sideways fast.

People argue legality, distractions, ethics, or “staying in your lane.”

That misses the point.

Dual licensing isn’t about doing more jobs. It’s about controlling more of the transaction.

For the right professional, becoming both an MLO and a real estate agent isn’t a hustle—it’s vertical integration. It’s removing handoffs, compressing timelines, and aligning incentives under one operator who actually understands the full deal.

At most companies, that idea dies quickly because the platform can’t support it. Compliance panics. Comp structures break. Brokerages compete instead of collaborate.

That’s why this matters at NEXA.

NEXA didn’t build a system that collapses when you expand your skill set. It anticipated it. A loan officer can remain an MLO at NEXA while holding a real estate license with AXEN Realty—clean lines, clear compliance, no funny business. Two licenses. One strategy.

This isn’t for beginners chasing shiny objects.

It’s for professionals who already understand the deal flow and want leverage, not chaos.

Dual licensing doesn’t replace relationships—it strengthens them.

It doesn’t eliminate referrals—it makes them more intentional.

And it doesn’t mean every transaction should be dual-sided—it means you get to choose when it makes sense.

Freedom here isn’t doing everything.

Freedom is having optionality.

That’s the pattern with NEXA.

Whether it’s compensation, structure, or licensing—the platform doesn’t force paths. It removes ceilings and lets capable people decide how far they want to go.

For some, dual licensing is unnecessary.

For others, it’s a force multiplier.

The difference isn’t the license.

It’s the operator holding it.

[Bill Burg]

Everyone wants to debate NEXA’s compensation plan. That’s predictable. Big numbers tend to do that.

But focusing on comp alone is like arguing about the engine without noticing you’re sitting in a jet.

NEXA didn’t just increase payouts. They rewired the model. Most lenders treat loan officers like revenue streams that need guardrails. NEXA treats them like operators who can handle transparency, responsibility, and upside.

Buckets aren’t a gimmick. They’re a control panel.

The 90-day adjustment period isn’t generous—it’s realistic.

Weekly comp optimization isn’t training—it’s financial literacy most LOs never get.

And here’s the part that makes people uncomfortable: at NEXA, the company doesn’t win instead of you. It wins with you.

You can produce. You can build. You can do both. Or neither. No forced recruiting. No artificial ceilings. No mystery math hiding in the rate sheet.

This isn’t a comp plan for everyone.

It’s a business model for adults.

If you want a paycheck, there are easier places to work.

If you want leverage, optionality, and a platform that doesn’t flinch when you succeed—that’s the conversation worth having.

[Bill Burg]

Bailey, let me re-frame this using the missing pieces that matter in the real world—because this is where the model either clicks or it doesn’t.

At NEXA, your company does register as a DBA, and that process is actively supported by NEXA’s licensing and compliance teams. This isn’t theoretical; it’s operational muscle memory for them.

Practically speaking, your branch would operate as:

ABC Mortgage Group (DBA of NEXA Mortgage, LLC)

From the outside and in daily life, ABC Mortgage Group is the brand people see.

Here’s what stays the same:

Your office stays.

Your staff stays.

Your email addresses stay.

Your internal workflows stay.

Your brand stays in market.

You are not forced to lead with “NEXA” everywhere. In fact, in most states and most marketing, the DBA can be used instead of NEXA.

Where NEXA does show up is where regulators insist it should. In certain states or disclosures, you may be required to include language like “Powered by NEXA Mortgage” or similar. That’s not guesswork—you’d work directly with NEXA’s licensing team to map exactly where that language is required and where it’s not before transitioning.

On the lender side, access is not a downgrade—it’s an expansion. NEXA is approved with nearly 300 wholesale lenders, so you’re not giving up relationships; you’re widening the funnel and reducing friction.

As for your existing entity, ABC Mortgage Group does not disappear. It simply becomes inactive as a licensed mortgage company. You retain ownership of the entity and the brand, but origination flows through NEXA’s national license, which is the whole point if multi-state growth is the goal.

The clean way to think about this:

You’re not selling your company.

You’re decoupling your brand and operations from the licensing burden.

Same identity. Bigger runway. Less regulatory drag.

That’s the trade—and for teams looking to grow across states without rebuilding compliance from scratch every time, that’s exactly why this structure exists.

[Bill Burg]

Hello, we’re happy to help. Answer the question and figure out the best solution for your brother. Can you hold at home after divorce? Most definitely the answer is yes as far as his personal circumstances it’s going to be based on his personal credit and income how much he has in the way of assets to help him buy.

[Bill Burg]

Thanks Gus.

Motto Mortgage is a franchise model that is actually Owen by the Remax company. It’s setup much the same way as Remax in that it’s geographically locked to a territory.

A question you need to ask yourself is does it make since for your mortgage business to be locked to a signal location when all banks and and loan officers can do business nationwide as long as they’re licensed or the institution is licensed depending on their model?

Franchising makes since if it gives you an edge or a benefit that you do not receive anywhere else. unfortunately motto Mortgage is not McDonald’s. It doesn’t give the kind of recognition to the public that draws the public to them over anyone else. In addition to that they charge a franchise fee that is quite significant. And a monthly fee for a locked in term of I want to say seven years grand total it’s usually around $350,000 to own Motto mortgage franchise.

There are better options available just about any option in my personal humble opinion is better than diving headlong into such an expensive adventure that locks you and geographically and doesn’t give you the freedom to be able to work loans across the United States or another geographic areas. A better model that I have found is that of NEXA Mortgage, they allow you to recruit and retain and do loans anywhere in the United States. You can build teams across the country you can do loans with realtors across the country you can pick up business and all four and 48 of the 50 states and Washington DC Puerto Rico, and the Virgin Islands right now as we speak it’s such an incredible flexible model that allows you to have significant freedom without the overhead and headache that you would have and running a franchise. if you’re interested in finding out what it might look like for you, feel free to head us up would be glad to help you out give you some advice. Give you some education on what that this actually could look like for you. It’s important to break the right decisions when you’re starting a business and starting to do business and one big benefit that NEXA Mortgage has is the amount of lenders that they have available. They right now 239 lenders available and over 5000 products available and niches and opportunities that are just numerous too many to count. The amount of money you can make per transaction , the caps at a higher level than anyone else I see in the industry and the list just goes on and on the benefits and support structure that’s available to you to help you and support you with little to no money coming out of your pocket you will very much appreciate what you have available to you in a model such as Nexa. So feel free to ask us will share with you what it looks like and what can you.

[Bill Burg]

I’ve just returned home from visiting one of my friends in Puerto Rico. They invested a few extra dollars to set there beautiful home up with solar and a battery backup system as well as Starlink. So while many or most were without power in the last hurricane they were able to stay completely operational in paradise.

As for the catamaran life it’s happening. I’m able to setup a home base on a dock for $400 to $600 a month and then travel to amazing islands that many only dream of seeing. Living life as full as possible is what I intend to do. I will keep sharing my experiences. It’s fun to be able to live life and not be controlled by the struggles of life.

If anyone in the mortgage space wants to understand how I’ve done this I’m happy to share.

[Bill Burg]

Stick to what you know…

What that would be, I’m not sure. It can’t be much.

I take that back. I’m sorry.

You know a lot about dogs. you own like 17 yourself.

• This reply was modified 2 years, 9 months ago by  Bill Burg.