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NextHome Named on Franchise Business Review’s 2021 Culture100 List

NextHome Named on Franchise Business Review’s 2021 Culture100 List

Pleasanton, CA — July 21, 2021 — NextHome was recently recognized on Franchise Business Review’s second annual “Culture100” list. The list recognizes the top 100 franchise brands in a 2021 report on the Best Franchise Cultures

NextHome, Inc. is an independently owned national franchisor with a focus on changing the way consumers work with local agents and shop for real estate online. The NextHome franchise, founded in 2014, has 510+ offices and nearly 5,000 members across 48 states. The company closes over 29,500 transactions annually worth over $8.3B in volume.

Franchise Business Review, a franchise market research firm that performs independent surveys of franchisee satisfaction, provides the only rankings of franchises based solely on actual franchisee satisfaction and performance. Franchise Business Review publishes its rankings of top franchises in its annual Guide to Today’s Top Franchises, as well as in special interest reports throughout the year that identify the top franchises in specific sectors.

NextHome was among 224 franchise brands, representing nearly 25,000 franchise owners, that participated in Franchise Business Review’s research on the best franchise cultures. Franchisees were surveyed on 33 benchmark questions about their experience and satisfaction regarding critical areas of their franchise systems. The brands that were selected received the highest overall ratings based on 12 questions specifically focused on leadership, core values, whether they enjoy being part of the organization, and would they recommend their franchise to others.

“The impact of the pandemic this past year on small businesses has put the spotlight on franchise culture more than ever,” said Michelle Rowan, President and COO of Franchise Business Review. “Our research into hundreds of brands really shows which ones held up the best when rated by their franchise owners. The franchise companies that have the honor of being named to our Culture100 list are clearly among the best of the best franchise opportunities.”

The NextHome Culture has been a differentiator for the franchise since its inception in 2014. Their Humans Over Houses motto and mindset puts people first in an industry that so commonly forgets about the human connection in a tech-driven world. 

“Being recognized on the Culture100 list is directly attributed to all NextHome members who’ve helped curate what our franchise has come to be, and continues to grow to become,” said Keith Robinson, NextHome’s Chief Strategy Officer. “However, to ensure a cohesive culture, there must be a consistent underlying philosophy tying everyone together. For NextHome, it’s that we all strive to put Humans Over Houses. We know that so long as we don’t lose focus on the humans who buy and sell houses, and the amazing agents who help them through the process, everything will be fine. ”

Earlier this year, NextHome was also named No. 1 on Franchise Business Review’s list of the Top Franchises for 2021 in owner satisfaction, as well as a Top Franchise for Women.

Visit to see the full list of the 2021 Best Franchise Cultures.


Interested in being a part of the NextHome Real Estate Franchise? Contact VP of Sales Charis Moreno at

Each office is an independently owned and operated business.

Fair Housing, Discrimination and Errors & Omissions Insurance

Fair Housing, Discrimination and Errors & Omissions Insurance

Discrimination and Fair Housing issues, both real and alleged, can take many forms. It is, or should be, a topic of concern for all real estate professionals. The topic is prevalent in today’s news with stories of racial bias in property appraisals resulting in inappropriately low valuations for Black and minority owned properties. Concerns of bias and discrimination are not unique to the appraisal profession and have roots in real estate that go back decades. Few local or federal laws were in place to allow equal access to home ownership or funding for many decades. The Fair Housing Administration was established in 1934 but did little to create greater opportunity for home ownership. Its guidelines relied on local ordinances and real estate boards to determine how loans would be made, all but formalizing the red‐lining of minority neighborhoods and communities. The consequences of red ‐ lining were enormous, affecting public housing policy and even relocation of neighborhoods for highways and other government projects.

In 1968, the federal government enacted the Fair Housing Act, though initially with no enforcement capabilities. The Act prohibits discrimination in most housing due to race, color, national origin, religion, sex, familial status and disability, and a substantial list of prohibitions is noted. More can be found about the Fair Housing Act at

It would be easy to assume that only the most egregious instances of discrimination and bias exist in the real estate industry today. While those are the events that make the headlines, such as the recent appraisal bias allegations, real estate agents continue to be sued or receive complaints due to actions that seem far less severe. In fact, E & O claims alleging Fair Housing Discrimination are on the rise. Many of these allegations (remember that a Claim and lawsuit is only an allegation of wrong‐doing) do not result from clear or deliberate acts of bias or discrimination – though those unfortunately exist in abundance. Many allegations seem more benign, less intentional, but still trigger serious consequences. Some professional services create more risk, including property management, leasing, eviction and “cash for keys”. Many other complaints are triggered by careless comments and assumptions, and even attempts to be helpful. Examples include describing a neighborhood as “family friendly” to a single buyer; telling a handicapped person that they would be unhappy in a multi‐level home; providing erroneous information on the acceptance of service animals on a property; failure to provide documents and communications in a person’s native language; failure to, or creating the appearance of, limited availability or opportunity to buyers of color, sexual orientation, etc. As in so many circumstances that result in problems for agents, moving away from verifiable fact and information about a property, and venturing into opinion and conjecture is both avoidable and potentially catastrophic.

Most Errors & Omissions policies for real estate firms offer Fair Housing and Discrimination coverage, though it is typically a separate and specifically‐defined coverage with liability limits that can be different (less) from the policy’s main liability coverage. To trigger a Fair Housing Claim, the allegation must allege a violation of some federal, state or local regulation or law related to equal housing opportunity, Civil Rights violation or the Fair Housing Act. Because Fair Housing coverage and resulting Claims are limited in both policy language and liability protection, a clever Plaintiff attorney would also most likely bring suit against some other aspect of the agent’s actions and policy coverage. A conscientious agent would be wise, and considerate, to avoid this double jeopardy.

For more helpful information from our partners at Landy Insurance, click HERE.

Written by John Torvi | Vice President of Marketing and Sales | The Herbert H. Landy Insurance Agency, Inc | | Direct: 781-292-5417 | Toll Free: 800-336-5422 x117
6 Ways to Improve Your Credit Score Right Now

6 Ways to Improve Your Credit Score Right Now

If you have a less than perfect credit score, applying for a mortgage or other type of loan might feel impossible. Fortunately, there are several mortgage programs that have lenient credit requirements plus many ways you can boost your score on your own before you apply for a mortgage.

  1. Pay your bills on time

The most influential factor for both your FICO® credit score and VantageScore is your credit history. If you have a good history of paying your monthly debts on time, this is a good indicator that you will be able to handle your future debts responsibly as well. “You want to avoid things like late payments, defaults, repossessions, foreclosures, and third-party collections,” says John Ulzheimer, credit expert, formerly of FICO® and Equifax. “And filing bankruptcy is a horrible idea. Anything that would indicate non-performance of a liability is going to harm your credit score.”

  1. Keep tabs on your credit utilization rate

Your credit utilization rate shows how much of your available credit you actually use. The lower your credit utilization, the better. “The higher that ratio, the fewer points you’re going to earn in that category and your scores are absolutely going to suffer,” Ulzheimer says. “In fact, people who have the highest average FICO® scores have a utilization of 7%.”

  1. Leave old debts on your report

You might feel like wiping the slate clean and starting over will help boost your score. However, it’s quite the opposite. Leaving debts on your report shows lenders and scoring companies that you can handle and completely pay off large debts. “An account that’s paid in full is a good thing; however, closing an account isn’t something that consumers should automatically do in the hopes that it will positively impact their credit score,” says Nancy Bistritz-Balkan, vice president of communications and consumer education at Equifax. “Having an account with a long history and solid track record of paying bills on time, every time, are the types of responsible habits, lenders and creditors look for.”

  1. Don’t close old accounts

Closing your credit card accounts can actually lower your credit score. When you close an account, you will have a lower maximum credit limit. But you also don’t want to keep an account open with a carried balance. So, it’s best to keep your credit card with a balance of $0 open, even if you aren’t using it.

  1. Only apply for credit when you need it

Every time you apply for a new line of credit, your credit card company will pull a hard inquiry on your report – which will lower your credit score temporarily. However, the effects of a hard credit pull could last up to 12 months. If it’s a single hard credit pull, then it will likely be a smaller drop on your credit score. A string of hard inquiries could show lenders that you are taking on too much debt and could result in a larger drop. One way to avoid hard credit pulls is by applying for prequalification or preapproval – these generally result in a soft credit pull instead. Soft pulls don’t affect your credit score.

  1. Continue to monitor your credit

Viewing your own credit results in a soft inquiry – it doesn’t hurt your score. You should strive to check in on your score every few months to make sure that it is heading in the right direction. If it’s not, you may need to make some changes.

Your credit score affects a lot of other financial prospects. In almost every application where you will be taking on future debt, people will likely review your score. In the mortgage world, if you have a higher credit score, you will likely qualify for a lower mortgage rate. To check your credit score, you can use any of the three credit bureaus – TransUnionExperian, or Equifax. To get started on your prequalification, click the “Get Started” button above.


For more helpful tips from our partners at NextMortgage, check out their blog!

How to Remove Negative Items from Your Credit Report

How to Remove Negative Items from Your Credit Report

Your credit score can influence a lot of different opportunities, including your ability to buy a home. Different loan programs have different credit requirements, and the higher your credit score, the better chance you have at getting approved. A higher credit score can also increase your chances of securing a lower interest rate, which can save you thousands over the life of your loan. So, it’s important to stay on top of your credit, and if you notice a negative item bringing down your score, here’s what you should do.

  1. File a dispute with the credit reporting agency

To start your dispute, you will have to write a letter to a credit reporting agency. The three main credit reporting agencies are Equifax, Transunion, and Experian. Each of the agencies’ websites will have a section explaining the steps of disputing a claim. By visiting any of their websites, you can find more information on how to send your letter – whether it’s online or by mail.

In the letter, you will explain your credit report’s inaccuracy. Strong letters will include:

  • Specific descriptions of each inaccuracy you’re disputing
  • Thorough explanations of why the reported items are inaccurate or incorrect
  • An explicit statement saying that you want the item removed from your credit report
  • Copies of any documents that can support your statement

Once you have finished writing your letter, you will mail it by certified mail with a return receipt requested. A return receipt will ensure that the agency receives your letter and will be processing your claim. The Fair Credit Reporting Act requires that creditors report accurate statements, so if you make a dispute, they are legally obligated to review it and investigate your claim.

  1. File a dispute directly with the reporting business

A reporting business is typically a bank or credit card issuer. These businesses, like credit card agencies, are also required to review and investigate your claim. If you write a letter to these businesses, and they correct the issue, you can bypass writing a letter to the credit agencies. In the case that there is an issue on your credit report, the reporting business is required to notify all of the credit bureaus.

  1. Negotiate “pay-for-delete” with the creditor

Pay-for-delete is a strategy you can use to get rid of negative but accurate items on your credit report. It’s most beneficial when used with delinquent or past due accounts. Creditors will want to get as much money back as possible, so if you offer to pay the account, then the creditor might remove the negative item from your credit report. However, it’s not a guaranteed solution; it’s a request to the collection agency that could likely be rejected. Even if they accept your request, it still won’t completely remove the item from your report. It also might not be necessary. The most updated credit scoring models (FICO 9 and Vantage Score 3.0) don’t evaluate paid collection accounts.

  1. Send a request for “goodwill deletion”

A goodwill deletion is like a pay-for-delete without the offer to pay. Instead, you write your creditor a letter and try to explain the negative item, why it was a mistake, how it won’t happen again, and ask for it to be removed. This tactic is most successful for simple problems like a single missed payment. To write the strongest letter:

  • Take responsibility for the negative item
  • Explain why it happened
  • Point to your otherwise good credit history
  1. Hire a credit repair service

Credit repair services can be a good option if you have multiple inaccuracies, but before you hire them, it’s important to know what they can and can’t do. What they can do is straighten up credit report errors, dispute negative entries, and handle negotiations with creditors. They likely won’t be able to remove accurate negative items completely or provide false information about your credit status. Make sure that they provide you a written contract explaining exactly what they will do, how long it will take them, and the total cost. You will then have three days to review the contract and either sign or cancel penalty-free.

  1. Work with a credit counseling agency

There are several credit counseling services, like the National Foundation for Credit Counseling, that can help clean up credit disputes. Typically, they will work with you to review the credit reports, communicate with lenders, and create a debt management plan with you. To make sure that a credit counseling agency is legitimate, cross check it with your state’s Attorney General, local protection agencies, and the United States Trustee Program.

You’re entitled to one free credit report per credit bureau year, and you should take advantage of this opportunity to look for any credit irregularities. To access your free credit report, visit It might seem like a hassle to go through now, but the quicker you sort out any credit dispute, the quicker your credit score can improve and the more financial options you will have!

For more information from our partners at NextMortgage, check out their blog!


Don’t Fear the Appraisal!

Don’t Fear the Appraisal!

Perhaps no step in the process of a real estate transaction is more misunderstood – and more feared – than the appraisal. Simply put, the appraisal exists to assign a value to a property that is derived from a standard methodology, providing parameters for mortgage lending, and negotiation between buyer and seller.  Appraising is also an art, as it relies on the judgement and observation of the appraiser to assess condition, quality, similar properties to compare against (Comparables) and other subjective criteria. Appraisals also differ from Broker Price Opinions (opinion of listing price provided by a real estate agent) or a sales price on a website such as Zillow or Appraisals follow the substantial and detailed framework put forth in the Uniform Standards of Professional Appraisal Practice (USPAP), which was initiated by Congress in 1989, and is now overseen by the Appraisal Standards Board of the Appraisal Foundation. It is updated every two years, and a licensed appraiser is required to reacquaint and update themselves with the 600 page volume every two years through mandatory classwork.  Following the mortgage crisis of 2008, further legislation was enacted to create “appraiser independence”, to further protect the integrity of the appraisal from undue influence.

With these stringent standards in place, why is the appraised value so often hotly contested? One must understand the difference between “market value” and “appraised value”.  The appraised value is derived from the process as outlined above, whereas the market value is simply the price someone is willing to pay. In our current market, many properties are being sold for considerably more than appraised value. In other times, the market could be flooded with properties and market values can be less than appraised value. Or maybe a buyer just wants a certain property and is willing to pay market value or more, despite cited defects or other issues that may lower appraised value.

Is there overlap and gray area in the market vs. appraisal value scenarios? Yes, and that leads us to the expectation that the value derived from a formal appraisal can happily coexist with market value. How? Many agents and appraisers differ over what comparables to use, property and neighborhood characteristics or other factors, yet are under the impression that USPAP and appraisal independence prohibits working and communicating together. This is not the case, and a savvy agent will learn to work with the appraiser by recommending comparables, attending the appraisal and providing other helpful information that will facilitate the most accurate appraisal and help expedite the lending and closing process.

Appraisers often get blamed for “killing the deal”, when more typically the additional factors of inadequate communication from the agent and unrealistic expectations of the seller contribute to disagreement of value. With today’s sky-high market, low inventory, virtual inspections and a host of other factors, it makes sense for agents, appraisers and informed buyers and sellers to communicate and work together to facilitate a transaction based on the most appropriate property value.

For more information from our partners at Landy Insurance, click here.

NextHome hosts Military Relocation Professional Certification Course

NextHome hosts Military Relocation Professional Certification Course

Pleasanton, CA — June 9, 2021 — NextHome recently hosted the National Association of REALTORS® (NAR) Military Relocation Professional (MRP) certification course designed for real estate professionals who want to work with current and former military service members. 

The MRP certification program educates REALTORS® on working with U.S. service members and their families and veterans to find the housing solutions that best suit their needs and to take full advantage of available benefits and support.

The training course was offered to NextHomies who attended the 2021 NextHome Virtual Conference as part of their admission ticket. Hosted by Imran Poladi, NextHome’s Vice President, the virtually MRP training course was completed by 250 NextHomies. 

“I love how many of our members made the commitment to becoming certified as a Military Relocation Professional,” said Poladi. “With over 500 locations nationwide, our NextHome agents interact and assist with military families on a regular basis. I’m excited that our company will be able to assist these families with an even higher level of understanding and care.”

NextHome’s commitment to education is one of the pillars of the franchise’s offerings. Through certification courses, webinars, podcasts, workshops, and trainings, NextHome continually provides opportunities for members to expand their knowledge to better serve their communities. 

“As always, NextHome and Imran Poladi brought it home in this meaningful and timely certification class,” said Owen Freiburger, Owner of  NextHome Pro Realty. “The MRP certification is a designation that should be the goal of every working REALTOR®. Assisting and transitioning our military personnel and their families are responsibilities that should be taken with great care and diligence. This class prepared agents to be facilitators for the very best – our many people in service to the USA!”

Those who completed the certification course are thrilled to take their new learnings and implement the new tactics into their business right away. 

“I am proud that I can be of service to those who have served and protected our country,” said Michele Bass, Owner of NextHome Premier Properties. “I feel honored to be given the opportunity to get the MRP certification so that I can truly say I am invested in being able to give back to the ones who have served and given so much of themselves to our country. Thank you to all of our veterans and active military members.”

NextHome looks forward to hosting future NAR courses, and continually supporting the  education of all NextHome members in the ever-evolving real estate industry. 


Interested in being a part of the NextHome Real Estate Franchise? Contact VP of Sales Charis Moreno at

Each office is an independently owned and operated business.

NextHome franchise brokers and teams graduate from rigorous MBA-style leadership program

NextHome franchise brokers and teams graduate from rigorous MBA-style leadership program

Pleasanton, CA — June 2, 2021 — T3 Fellows, the executive leadership program for real estate entrepreneurs passionate about dramatically growing their business, announced the graduates of another NextHome T3 Fellows graduating class. The MBA-like program from T3 Sixty delivers a year-long curriculum focused exclusively on business-specific solutions for the residential real estate brokerage industry and is delivered through an extensive one-on-one mentoring schedule, in-person mastermind workshops, and monthly web conferences.

The NextHome franchise business owners who have successfully completed the rigorous 12-month program and will be graduating in the spring 2021 class are as follows:

Left to right: Alex Krumm (NextHome Excellence | Sarasota, FL), Dave Faxel (NextHome Select Realty | New Lenox, IL), Garrick Olerud (NextHome Prime Real Estate | Westby, WI)
Left to right: Steven Burch (NextHome Unlimited | Junction City, KS), Stevie Krumm (NextHome Excellence | Sarasota, FL), Tom Smolinski (NextHome Champions | Holland, MI)

The T3 Fellows curriculum covers all vital aspects of building and expanding a real estate brokerage and agent team business. It targets growing brokerage and agent revenue by recruiting the agents that best match each organization, improving profitability by increasing agent sales, creating powerful branding and marketing programs, and leveraging lead generation and conversion for more sales.

“It has been an incredible pleasure for me to work with these outstanding NextHome franchise owners and entrepreneurs,” said Dean Cottrill, senior vice president at T3 Sixty and program director of the T3 Fellows program. “What a wonderful group of highly professional, growth-minded business leaders.”

“The T3 Fellows program has a track record that speaks for itself,” said Imran Poladi, NextHome vice president. “Each and every one of the brokers who made the commitment to this program has seen a positive increase in their business, in both production and agent morale. Anyone who makes the choice to participate in the T3 Fellows program is bound to succeed in a huge way.” 

In the increasingly complex and quickly shifting residential real estate industry, these NextHome T3 Fellows graduates are now ready to lead and grow their businesses more strategically. 

For more information on the program, visit

About T3 Fellows

The T3 Fellows program helps the leaders of brokerages and teams grow successful real estate organizations through a detailed, thorough curriculum, one-on-one consulting, in-person retreats and mentor support. The program provides a proven framework for success, supported by smart, accomplished cohorts and an experienced group of guides and mentors. To learn more about the program or apply, visit

About T3 Sixty

T3 Sixty is a trusted advisor and management consultancy in the residential real estate brokerage industry. T3 Sixty also provides extensive data services and research to affect intelligent change and growth. For more, visit


Interested in being a part of the NextHome Real Estate Franchise? Contact VP of Sales Charis Moreno at

Each office is an independently owned and operated business.

NextHome Announces Strategic Partnership with BoomTown

NextHome Announces Strategic Partnership with BoomTown

Pleasanton, CA — May 27, 2021 — NextHome is proud to announce a new partnership with BoomTown, the leading cloud-based sales and marketing automation platform for real estate professionals. 

“For decades, BoomTown has been an online lead provider in residential real estate. Their model makes their lead cost lower than many competitors, and their automated mid-funnel follow-up system is very strong,” said NextHome’s Chief Strategy Officer, Keith Robinson.

BoomTown offers NextHomies the industry’s leading platform for generating and managing leads, with their Success Assurance program, responding to leads on behalf of agents 24/7, and nurturing for up to one year. As agents and brokers are busier than ever in today’s real estate climate, tools like these offer time savings, competitive edge, and proven results. 

“BoomTown has become a critical element of my NextHome offices, and every Broker should have it,” said Thomas Shumpert, Broker/Owner with NextHome Specialists in Columbia, South Carolina. “Beyond the lead generation opportunities they offer, the platform provides us with a turn-key, beautifully interactive website, and the ability to manage and coach agents in the company, and on my personal team, directly from the system dashboard.”

“NextHome empowers agents and brokers to provide excellent service without compromise, and we look forward to partnering with them to add more power to this mission and drive their team’s success,” said Grier Allen, CEO & President of BoomTown. “They know their agents need to be the trusted source for guiding buyers and sellers, and we have the tools and technology to help them achieve this.”


Interested in being a part of the NextHome Real Estate Franchise? Contact VP of Sales Charis Moreno at

Each office is an independently owned and operated business.

NextHome hosts Pricing Strategy Advisor Certification Course

NextHome hosts Pricing Strategy Advisor Certification Course

Pleasanton, CA — May 20, 2021 — NextHome recently hosted the National Association of REALTORS® (NAR) Pricing Strategy Advisor (PSA) certification course specifically designed to enhance the skills of real estate professionals in pricing properties, creating CMAs, working with appraisers, and guiding clients through the anxieties and misperceptions they often have about home values.

The training course was offered to NextHomies who attended the 2021 NextHome Virtual Conference as part of their admission ticket. Hosted virtually by Imran Poladi, NextHome’s Vice President, the PSA training course was completed by 392 NextHomies, making it one of the largest attended courses by one company in the history of NAR’s PSA class.  

“I’m proud to say that we had nearly 400 NextHome members making the commitment to becoming Pricing Strategy Advisor certified,” said Poladi. “It’s inspiring to see so many NextHomies finding education to be one of the most important aspects of their growth as a real estate professional.”

NextHome’s commitment to education has been one of the forefronts of the franchise’s offerings. Through certification courses, webinars, podcasts, workshops, and trainings, NextHome continually provides opportunities for members to expand their knowledge to better serve their communities. 

“Education is one of the most important tools in our REALTOR® toolbox,” said Renee Marquiss, Broker of NextHome In The Sun. “Learning how to better serve our customers who are selling one of their biggest assets is an opportunity I most definitely would jump on. Having it offered by our own corporate office, Imran, specifically, was perfect as I knew we all have the same mindset of #HumansOverHouses.”

Those who completed the certification course are thrilled to take their new learnings and implement the new tactics into their business right away. 

“I’m focused on emerging from the pandemic with more knowledge and tools to help my clients and consumers in an ever more competitive market,” said Scott Krug, an agent at NextHome Partners. “PSA helped me learn to dig deeper than the surface to interpret how the market lives and breathes.”

NextHome looks forward to hosting future NAR courses, and continually supporting the  education of all NextHome members in the ever-evolving real estate industry. 


Interested in being a part of the NextHome Real Estate Franchise? Contact VP of Sales Charis Moreno at

Each office is an independently owned and operated business.

NextHome and CMG Financial Launch NextMortgage, a New Mortgage Experience

NextHome and CMG Financial Launch NextMortgage, a New Mortgage Experience

Pleasanton, CA – May 6, 2021 – NextHome, the No. 1 real estate franchise, and CMG Financial, a national privately-held, mortgage banking firm, announce the launch of their new joint venture partnership, NextMortgage. 

NextMortgage will launch with offices in Florida, South Carolina, North Carolina, and Kentucky first with plans to continue expansion throughout the United States. The company will be a collaborative partnership centered around the very best loan officers with a focus on culture, guidance, knowledge, and educating consumers to make empowered real estate decisions.

NextHome is the No. 1 franchise in the U.S. across all categories for 2020 based on customer satisfaction. Their ethos as a company has been to put humans first and trust that the business will follow and grow by providing exemplary service to their franchisees. NextHome plans to carry that same mindset and approach to the mortgage business, by building a company with the same principles.

“It’s rare to find a mortgage company that shares our same vision and principles, but after meeting the team at CMG Financial, we knew they were the right partner to create an entirely new mortgage experience for the NextHome membership,” said NextHome CEO James Dwiggins. “We’re truly excited at the prospect of developing a simpler, concierge-based real estate experience by combining the very best real estate agents and loan officers in the business.”

Similarly, CMG Financial thrives because of its loan officer-centric culture, with leadership working together to support branches on the local level and deliver the tools they need to succeed. One of the advantages of the joint venture partnership with CMG Financial is that loan officers will gain access to nationwide operations support plus proprietary products available exclusively to CMG and its affiliates.  

First-time homebuyers can take advantage of HomeFundItTM, the down payment gifting platform, to accept and apply monetary gifts toward their down payment and buy a home sooner with a larger down payment.  

Experienced homeowners may benefit from the All In One LoanTM, a first lien HELOC that combines mortgage financing and banking to help homeowners pay off their mortgage faster and reduce the lifetime cost of mortgage interest, all while maintaining access to home equity as needed.     

“We are thrilled to be working with NextHome, a company that is dedicated to personalizing the real estate experience and believes in the individual over the deal. Here at CMG Financial, culture is crucial to the success of our company. Finding a like-minded partner helped shape the creation of NextMortgage – a new mortgage lender that is heavily focused on improving the overall home buying experience for all parties involved,” said Chris Harris, SVP Joint Venture Manager, the CMG Financial.


For more information about NextMortgage, contact Nancy Pattison at or visit