We're Eric & Diane.
Your Local
Branch Managers.
Committed to giving you all the support and guidance you need to find the right
mortgage options for you and your family.
Where Can We
Help You Thrive?
Income Transparency in Real Estate: What Buyers & Sellers Need to Know in 2026
The real estate industry is evolving rapidly, and one of the most significant shifts buyers, sellers, and agents must be aware of is income transparency. In 2026, transparency isn’t just a buzzword—it... ...more
NLT | Income Transparency
April 07, 2026•6 min read
Transparency Metrics Every Real Estate Professional Should Track
In 2026, transparency is no longer optional in real estate—it’s a critical factor for success. Buyers, sellers, and investors increasingly demand clarity in fees, commissions, and income structures. R... ...more
NLT | Income Transparency
April 07, 2026•6 min read
Culture vs. Commission: What Really Drives Long-Term Retention in Mortgage Teams
In the competitive mortgage industry of 2026, attracting top-performing loan officers is only half the battle. Retaining them over the long term is equally critical—and far more challenging. For many ... ...more
NLT | Recruiting Education
April 06, 2026•6 min read
Building a Recruiting Funnel for Mortgage Leaders: From Awareness to Signed Contract
In the competitive mortgage industry of 2026, attracting and retaining top loan officers is more challenging than ever. Traditional recruitment tactics—cold calls, sign-on bonuses, or referral incenti... ...more
NLT | Recruiting Education
April 06, 2026•7 min read
Income Transparency as a Branding Strategy for Real Estate Professionals
In today’s competitive real estate market, building a strong, trustworthy brand is more important than ever. Clients are no longer simply choosing agents based on listings or marketing prowess—they wa... ...more
NLT | Income Transparency
April 05, 2026•7 min read
The Psychology of Transparency: Why Clients Prefer Open Commission Models
In the competitive real estate market of 2026, trust and credibility are no longer optional—they are essential. One of the most powerful ways to establish trust with clients is through transparent com... ...more
NLT | Income Transparency
April 05, 2026•6 min read
What Top Recruiters Do Differently: Inside the Playbooks of Industry Leaders
In today’s competitive mortgage market, attracting and retaining top-performing loan officers has never been more challenging. The difference between average recruiting results and elite outcomes ofte... ...more
NLT | Recruiting Education
April 04, 2026•5 min read
How to Turn Your Best Loan Officers Into Recruiters
In the competitive mortgage industry of 2026, top-performing loan officers are not just assets for production—they can also become powerful recruiting ambassadors for your team. Leveraging your best t... ...more
NLT | Recruiting Education
April 04, 2026•5 min read
Stop Losing Leads: How Automated CRM Drip Campaigns Capture Revenue You Didn’t Know You Had
In the mortgage business, leads are everywhere. Open house sign-ins. Realtor referrals. Online applications. Social media inquiries. Credit trigger leads. Past client referrals. Website opt-ins. But... ...more
NLT | Tech / CRM Benefits
April 03, 2026•6 min read
Remote Mortgage Teams That Win: The Role of Cloud-Based CRM Systems in Scaling Production
The mortgage industry has undergone a dramatic transformation over the past few years. What was once a traditionally office-based profession has evolved into a dynamic, digital-first ecosystem where r... ...more
NLT | Tech / CRM Benefits
April 03, 2026•6 min read
Transparent Pricing Models: The Competitive Edge for Modern Brokerages
The real estate industry is in the middle of a transformation. Technology has accelerated access to information. Consumers are more financially educated than ever before. Regulatory conversations have... ...more
NLT | Income Transparency
April 02, 2026•6 min read
Commission Conversations: How to Discuss Pay Structure with Clients Confidently
For many real estate professionals, one topic consistently creates tension during client meetings: commission. Even experienced agents who confidently navigate negotiations, inspections, and complex ... ...more
NLT | Income Transparency
April 02, 2026•6 min read
What Millennials & Gen Z Loan Officers Expect From Employers
The mortgage industry is changing rapidly, and so is the workforce. Millennials and Gen Z now make up a significant portion of the talent pool, and their expectations from employers differ sharply fro... ...more
NLT | Recruiting Education
April 01, 2026•5 min read
From Leads to Loyalty: Designing a Recruiting Funnel That Works
In 2026, the mortgage industry is more competitive than ever. Attracting top loan officers isn’t just about posting job openings—it’s about creating a structured recruiting funnel that transforms pros... ...more
NLT | Recruiting Education
April 01, 2026•5 min read
Best Practices for Income Transparency in Real Estate Transactions
In the modern real estate market, trust and clarity are more important than ever. Buyers, sellers, and investors expect transparency—not just in property details, but also in the financial aspects of ... ...more
NLT | Income Transparency
March 31, 2026•7 min read
From Hidden Fees to Clear Value: The Transparency Revolution in Real Estate Finance
The real estate finance industry is experiencing a transparency revolution. For years, hidden fees, opaque mortgage terms, and unclear commission structures left buyers and sellers frustrated and unce... ...more
NLT | Income Transparency
March 31, 2026•6 min read
The 5 Red Flags Loan Officers Watch for Before Switching Companies
The mortgage industry has always been competitive, but in 2026, recruiting and retaining top-producing loan officers has become increasingly complex. High performers are no longer drawn solely by comp... ...more
NLT | Recruiting Education
March 30, 2026•26 min read
Technology as a Recruiting Tool: The Platforms That Help You Attract and Retain Top Producers
The mortgage industry has always been competitive, but in 2026, recruiting and retaining top-producing loan officers has become increasingly complex. High performers are no longer drawn solely by comp... ...more
NLT | Recruiting Education
March 30, 2026•6 min read
Building a Referral Engine Through Transparent Fee Structures
In the competitive world of real estate, building a steady pipeline of clients often depends not just on marketing, but on trust, credibility, and referrals. One of the most effective ways to achieve ... ...more
NLT | Income Transparency
March 29, 2026•6 min read
How Disclosure Laws Are Reshaping Real Estate Income Practices
The real estate industry is entering a new era of transparency and accountability. Increasingly, buyers, sellers, and regulators are demanding clarity around fees, commissions, and overall income prac... ...more
NLT | Income Transparency
March 29, 2026•6 min read
The ROI of Recruiting Education: Why Training Beats Transactional Recruiting
In the fast-paced mortgage industry of 2026, attracting and retaining top loan officers is more challenging than ever. Many mortgage leaders rely on transactional recruiting—a reactive, numbers-driven... ...more
NLT | Recruiting Education
March 28, 2026•5 min read
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The answers to all your
mortgage questions...
Committed to giving you all the support and guidance you
need to find the right mortgage options for you and your
family.
Do I need to save for a 20% down payment?
No! With FHA loans you can get approved for as little as 3.5% down, VA and USDA loans can offer you $0-down options, and with Private Mortgage Insurance (PMI) you can get into your new home with less than a 20% down payment. Whatever your situation, you have options.
Are Pre-Qualification and Pre-Approval the same thing?
No. Pre-qualification and pre-approval are two different things. Pre-qualification means that a mortgage lender has reviewed your financial records and believes you will qualify for a loan. A pre-approval is a conditional committment from a lender that they will lend you the money for a mortgage.
What's the difference between an adjustable and a fixed rate mortgage?
A fixed rate mortgage means that the interest rate is set when you take out the loan and will not change. With an adjustable rate mortgage, the interest rate may go up or down after a certain amount of time. Many adjustable rate mortgages will start at a lower interest rate than fixed rate mortgages.
What is Private Mortgage Insurance (PMI)?
Private Mortgage Insurance (PMI) is a type of insurance you may be required to pay if you are taking out a conventional mortgage with a downpayment that is less than 20% of the home's overall value. If you refinance your home with a conventional loan and your equity is less than 20% of the home's value, you may also be required to pay PMI. Private Mortgage Insurance protects the lender in the event that you stop making payments on your loan.
Can I access my home equity before I finish paying off my loan?
Yes! Your mortgage advisor can help you find the right refinance and reverse mortgage options to help you access your home equity before you've finished paying off your loan. This can help with covering the cost of remodels, college tuition, long-term care plans, and more! Talk to your mortgage advisor to find out how you can access your home equity to cover any of your life's needs.
What do I do if I can't afford my mortgage payment anymore?
The first thing you should do in the event that you can't afford your mortgage payements anymore is reach out to your lender. An experienced mortgage advisor can help you find options, such as refinancing or restructuring your loan, to help you keep up with your payments. Always reach out to your lender to ensure that you can keep up with your payments and stay in your home.
The answers to all your
mortgage questions...
Committed to giving you all the support and guidance you
need to find the right mortgage options for you and your
family.
Do I need to save for a 20% down payment?
No! With FHA loans you can get approved for as little as 3.5% down, VA and USDA loans can offer you $0-down options, and with Private Mortgage Insurance (PMI) you can get into your new home with less than a 20% down payment. Whatever your situation, you have options.
Are Pre-Qualification and Pre-Approval the same thing?
No. Pre-qualification and pre-approval are two different things. Pre-qualification means that a mortgage lender has reviewed your financial records and believes you will qualify for a loan. A pre-approval is a conditional committment from a lender that they will lend you the money for a mortgage.
What's the difference between an adjustable and a fixed rate mortgage?
A fixed rate mortgage means that the interest rate is set when you take out the loan and will not change. With an adjustable rate mortgage, the interest rate may go up or down after a certain amount of time. Many adjustable rate mortgages will start at a lower interest rate than fixed rate mortgages.
What is Private Mortgage Insurance (PMI)?
Private Mortgage Insurance (PMI) is a type of insurance you may be required to pay if you are taking out a conventional mortgage with a downpayment that is less than 20% of the home's overall value. If you refinance your home with a conventional loan and your equity is less than 20% of the home's value, you may also be required to pay PMI. Private Mortgage Insurance protects the lender in the event that you stop making payments on your loan.
Can I access my home equity before I finish paying off my loan?
Yes! Your mortgage advisor can help you find the right refinance and reverse mortgage options to help you access your home equity before you've finished paying off your loan. This can help with covering the cost of remodels, college tuition, long-term care plans, and more! Talk to your mortgage advisor to find out how you can access your home equity to cover any of your life's needs.
What do I do if I can't afford my mortgage payment anymore?
The first thing you should do in the event that you can't afford your mortgage payements anymore is reach out to your lender. An experienced mortgage advisor can help you find options, such as refinancing or restructuring your loan, to help you keep up with your payments. Always reach out to your lender to ensure that you can keep up with your payments and stay in your home.
Ready To Start Your
Homeownership
Journey?
Starting your road to homeownership is literally a click away. Start today!
Eric & Diane Martineau
Branch Managers
Schedule Consultation
NMLS#
Eric 11998726
Diane 1628522
Ready To Start Your
Homeownership
Journey?
Starting your road to homeownership is literally a click away. Start today!
Eric & Diane Martineau
Branch Managers
Schedule Consultation
NMLS#
Eric 1998726
Diane 1628522
This licensee is performing acts for which a real estate license is required. Nexa Mortgage is licensed by the California Bureau of Real Estate, Broker #01821025; NMLS #135622. Loan approval is not guaranteed and is subject to lender review of information. All loan approvals are conditional and all conditions must be met by borrower. Loan is only approved when lender has issued approval in writing and is subject to the Lender conditions. Specified rates may not be available for all borrowers. Rate subject to change with market conditions. Nexa Mortgage is an Equal Opportunity Mortgage Broker/Lender. As a broker, Nexa Mortgage is NOT individually approved by the FHA or HUD, but Nexa Mortgage is allowed to originate FHA loans based on their relationships with FHA approved lenders.
Copyright © 2022-2024
This licensee is performing acts for which a real estate license is required. Nexa Mortgage is licensed by the California Bureau of Real Estate, Broker #01821025; NMLS #135622. Loan approval is not guaranteed and is subject to lender review of information. All loan approvals are conditional and all conditions must be met by borrower. Loan is only approved when lender has issued approval in writing and is subject to the Lender conditions. Specified rates may not be available for all borrowers. Rate subject to change with market conditions. Nexa Mortgage is an Equal Opportunity Mortgage Broker/Lender. As a broker, Nexa Mortgage is NOT individually approved by the FHA or HUD, but Nexa Mortgage is allowed to originate FHA loans based on their relationships with FHA approved lenders.