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The full calculator · Partnership Model

Your numbers, every line.

Every input NAF's proforma uses, open to you. Set it up, share the link, print the sheet, bring it to Larry. The page remembers where you left it.

Your production

Drag the five sliders. Everything else sits behind Advanced controls.
Annual closed volume$40M
Average loan size$400K

Today, in retail

Your comp on every loan100 bps
Most retail LOs sit between 40 and 100 bps. Slider floors at 25.

In the partnership model

The margin you set220 bps
NAF's proforma starts conforming at 220, FHA and VA at 300. Sharper markets run lower.
Your monthly overhead$5,000
Rent, staff, marketing, everything you'd pay for yourself. Presets and line-by-line entry live under Advanced controls.
Fees and concessions
Proforma default $1,695. You set it.
Avg. concessions to win deals. Proforma assumes 42.
Costs on each file
Processing, underwriting, closing. Flat.
Unrecovered third-party fees.
Proforma default $495 per loan.
Overhead, line by line
Salary plus about 5% payroll tax and $333 health per person.
Travel, software, licensing, the stapler.
Build a team on it
Proforma default $500.
How NAF helps you find them is on Growth Playbook.
Today · Retail
a year, before tax
Fixed by contract. The company prices your loans and keeps the rest.
Partnership model
a year, after every cost, before tax
Your margin, your fee, your costs. NAF builds the loan.

Side by side

Same loans, same year.
Today
Partnership

Where every dollar goes in the partnership model

Full year, on your inputs.
What if you priced differently? Your net at other margins, everything else the same.
Walk through it with Larry Estimates only, on the numbers you enter. Not an offer of compensation. Your actual terms, pricing, and costs are set in your partnership agreement and vary by market and product mix. The link carries your inputs only, nothing personal.
Larry Steinway, Regional Sales Manager and VP of Residential Lending at New American Funding
Your guide through the model

Talk to Larry.

4.9★★★★★137 reviews

Experience.com 4.96 (95) · Google 4.8 (42) · Zillow 5.0 (18)

Larry Steinway has spent 30+ years in mortgage lending — from a small Chicago brokerage to Regional Sales Manager / VP of Residential Lending at New American Funding, with multiple Chairman's Award years for annual production exceeding $100 million. Bring your production and he runs it through NAF's proforma with you, line by line, before you decide anything.

"You set your margin. We're getting paid inside the price either way. What you do with the rest is your business decision, and that's the point."

Talk to Larry — 1-on-1 Call or Text (224) 595-8600
The next step

Bring your production.
Leave with your proforma.

Larry walks you through the partnership model on your numbers, then runs NAF's proforma on your production.

Talk to Larry — 1-on-1 Call or Text (224) 595-8600

Larry Steinway · NMLS #223579 · 5225 Old Orchard Rd, Suite 20, Skokie, IL 60077

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