Alex Chang
Senior Loan Consultant @NEXA Lending
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WORK HISTORY
Senior Loan Consultant @NEXA Lending
After bouncing around from retail to retail, being promised better rates over and over again, and continually seeing just slight variations of the same business, I finally caved and gave the broker route a try. It’s been the best decision of my career. I almost never lose deals to competitors anymore. I have full control over every pricing scenario. I have way more products than I ever had, even when the retail companies were telling me I had hundreds of options. My applications have tripled, going from 10 a month to 30. Most importantly, my confidence is back. I’m no longer anxious with every rate shopper. I’m not nervous talking to industry partners. I don’t have to worry about my company changing my margins on me. I have full control now, total transparency, and know exactly what rates are available in the marketplace. Shoot, half the lenders I used to work for have wholesale departments and I can still broker to them. I know recruiters and sales managers can promise the world. I promise I’ll keep it real with you. Brokering is not all a cake walk. I have 20 different lender portals I’m currently using, and still haven’t researched all 150+ lenders we have. Having numerous systems is the price you pay for being able to have flexibility if you want to use one for low FICO FHA, another lender for investment cash out, another for down payment assistance, and the various non QM options. Definitely not for everyone. But if you generate your own leads. Have your own referral partners. Do more than just one type of loan. Want to grow your business and don’t mind learning new systems. I promise you, the retail lies of brokers “having less control” and “not being able to talk to underwriters” will be so obvious you’ll realize it’s just what every branch manager tells you to keep you from jumping ship so they can retain your overrides. Cut them out, make more bps while selling better rates. I promise it’s not too good to be true. Give me a shout and I’ll prove it.
EDUCATION
University of Missouri-Kansas City
Bachelor of Business Administration (BBA), Finance
SKILLS
ABOUT ALEX CHANG
NMLS #18•••11 NEXA Mortgage LLC is an Equal Housing Lender NMLS 16•••••••00 W Ray…
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