In this episode of the LendAPI Partner Podcast, host Timothy Li, Founder & CEO of LendAPI, sits down with Phil Ganz, President of Next Wave Mortgage, to discuss what it truly takes to build a people-first mortgage brokerage in today's fast-moving lending landscape. Phil brings a rare combination of 26+ years in the mortgage industry, a top 1% originator ranking nationally, and a builder's mindset — having launched Next Wave Mortgage from the ground up to serve borrowers across multiple states with low-rate, low-friction home financing experiences.
What You'll Learn:
Why mortgage brokers are outpacing retail lenders — and how nimble, client-focused operations like Next Wave Mortgage deliver better rates and service without the overhead of large corporate structures
How Phil is using technology and automation to modernize the mortgage origination process — reducing friction for borrowers and improving pull-through rates for the brokerage
The story of building Next Wave Mortgage from scratch — what it takes to launch and scale a multi-state brokerage in a high-rate, low-volume market environment
Why Phil believes loan officers should have an ownership mentality — and how Next Wave's platform empowers LOs to grow long-term client relationships rather than just close transactions
How non-QM and alternative lending programs (bank statement, DSCR, Down Payment Assistance) are unlocking homeownership for borrowers that traditional lenders routinely turn away
Why AI and digital tools are transforming lead generation and borrower education — and how mortgage professionals can use content and technology to stay ahead of the competition
What the current housing affordability crisis means for lenders and borrowers alike — and how smart mortgage planning can still create viable paths to homeownership
About Next Wave Mortgage:
Next Wave Mortgage is a multi-state mortgage brokerage headquartered in Fort Lauderdale, Florida, dedicated to expanding sustainable homeownership through transparent, technology-forward lending. Founded in 2023, Next Wave gives loan officers the platform to build lasting client relationships by combining broker-model pricing flexibility with strong operational support. Under the leadership of President Phil Ganz — a Certified Mortgage Planning Specialist and nationally recognized top 1% originator — the brokerage specializes in FHA, VA, Conventional, Jumbo, Non-QM, and Down Payment Assistance programs, with a commitment to serving first-time homebuyers and self-employed borrowers who need creative, personalized financing solutions. Next Wave Mortgage is how mortgages should be done.
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