S. MUCKERMAN / REFERRAL DESK
The Deal You Can't Close Isn't Dead. It Just Needs a Different Desk.
Wrong state. Wrong program. Wrong timing. Send it to me, I'll close it, and your client walks back through your door for the next one.
Licensed in AL, AZ, CO, FL, KY, TN, TX, WA · NMLS #1396756
— The part every LO knows
Every "no" you give a client is a door someone else walks through.
You've had this call. Client's moving to a state you're not licensed in. Or they want a DSCR loan, and your shop only runs agency paper. Or it's a fix-and-flip guy your overlays won't touch. Or you're just buried, and something has to give.
So what happens? Nine times out of ten, the deal gets forced into a box it doesn't fit, or it walks, and you hope the client remembers your name at the closing table. Half the time they don't. They remember whoever actually got them there.
That's the referral you're not getting back.
Send them to a broker who plays for your team, not against it.
I'm Shereen Muckerman, mortgage broker and Certified Mortgage Advisor with NEXA Lending. I pick up the deals that don't fit your license, your niche, or your bandwidth, close them right, and send the client straight back to you when it's time to buy again, refinance, or refer a friend.
You don't lose the relationship. You lose the paperwork.
Three reasons LOs send me their overflow:
I'm licensed where you're not.
Alabama, Arizona, Colorado, Florida, Kentucky, Tennessee, Texas, and Washington- eight states and growing. If your client is moving, buying a second home, or investing across state lines, I've likely got it covered.
I do the loans a lot of shops won't.
As a broker, I'm not stuck with one lender's overlays. I shop your client's file across my lender network for FHA, VA, USDA, conventional, jumbo, DSCR, 203k, fix-and-flip, reverse, SBA, and ARM/fixed products, including the harder files that get declined elsewhere.
I don't compete for the relationship; I protect it.
This client is yours. I keep you updated at every milestone; I don't cross-sell them into anything outside the scope of the referral, and when it's time for their next mortgage, that conversation starts with you again, not me.
How it actually works
Share the basics.
Schedule a call with me to discuss the borrower's basic details and what they need.
I call them the same day.
I reach out to the client within one-two business days, run the numbers, and keep you copied on major milestones (pre-approval, appraisal, clear-to-close).
We close it.
The client gets financed. You get the update. Your relationship with them stays intact.
The client comes back to you.
Next time they need anything you do handle, the referral goes back your direction.
— WHAT I CLOSE
Loan programs I cover
Conventional
FHA
VA
USDA
Jumbo
DSCR
Fix & Flip
203(k)
Reverse
SBA
ARM & Fixed (15 & 30 year)
If you're staring at a file and not sure whether it fits any of this, send it anyway. I'll tell you straight if it's not a match.
Shereen Muckerman
Certified Mortgage Advisor
NEXA Lending LLC
NMLS #1396756
Licensed: AL · AZ · CO · FL · KY · TN · TX · WA
“What I like about working with Shereen is that she respects the relationship I have with my clients. She does not try to take over. She handles the loan she was referred for, keeps me updated, and sends the client back to me after closing.”
— Loan Officer, Tennessee
“I sent Shereen a deal I had already spent too much time trying to place. It was a little outside our box. She told me what she could do, what she couldn’t do, and got it handled.”
— Loan Officer, Texas
“I appreciate that Shereen is honest early. If a deal is not workable, she says so. If there is a way to make it work, she explains it without making things complicated.”
— Mortgage Loan Officer
— Send it my way
Give me the file. I'll take the weight.
— The stuff you'd ask anyway
Frequently Asked Questions
Are you going to poach my client?
No. I only work the piece you send me, the state, or the program that was the actual gap. Everything else, including their next transaction, stays yours.
How do I know you're legit?
NMLS #1396756. Look me up on NMLS Consumer Access. Nothing about my license or my company is hidden.
What if I want updates along the way?
You'll get them without asking, pre-approval, appraisal, clear-to-close, or as often as you'd like.
Is there money in it for me?
To be honest, any compensation between loan officers has to clear RESPA and compliance review first, so I won't promise something here that might not hold up. What I can promise is that your client comes back to you, and long-term, that's worth more than a one-time check.
Do I need to stay looped in the whole time?
Only as much as you want. Some LOs want a play-by-play, some just want the "it closed" text. Tell me which one you are, and that's what you'll get.
Got a client sitting in
your inbox right now?
Don't let them go find a call center. Send them to someone who'll
close it and hand them back.
EQUAL HOUSING LENDER
Shereen Muckerman, Certified Mortgage Advisor · NEXA Lending LLC · NMLS #1396756 Licensed in Alabama, Arizona, Colorado, Florida, Kentucky, Tennessee, Texas, and Washington.
This page describes a referral relationship between licensed mortgage professionals. Any compensation or fee-sharing arrangement referenced in outreach to referral partners must be reviewed by compliance for RESPA and applicable state law before publication. NMLS Consumer Access: nmlsconsumeraccess.org