Madison Mortgage Services Inc.
Company NMLS # 1862796
$650M is something to respect.
But it’s not the part that matters most.
What matters is what we built in 2025.
The foundation that makes the next decade inevitable.
Infrastructure that removes friction.
Talent that expands what’s possible.
Technology that puts us ahead of the curve.
That’s how real growth happens.
✅ Ops built to remove sales friction
✅ Full product depth, pricing edge
✅ Advanced tech built to scale fast
If you’re thinking long-term and building for what’s next, let’s talk about Madison Mortgage.
Still chasing sign-on bonuses in retail?
That’s not an opportunity.
That’s the matrix.
If you’re relying on inflated margins, rigid products, and outdated systems, you’re already behind the curve.
There’s another way to build, and it’s not retail.
✅ Sharper pricing vs retail margins
✅ No scared underwriting delays
✅ Sales-first tech built for speed
If you’re ready to see how the model really works, let’s talk about Madison Mortgage.
➡️ In this episode of The Madison Podcast, Dylan Bugallo shares the unfiltered truths of building a referral-based real estate business — why building genuine relationships matters more than relying on scripts, hacks, or shortcuts, and why consistently doing the work always beats shortcuts.
🎙️ Episode drops today.
#podcast #realestate #realestateagent #realestategoals
Even in a world of remote and hybrid work, we still believe in being together.
Yes, we offer flexibility, and yes, we support the moms and families on our team.
But we also know the value of showing up, collaborating, and building real relationships in person.
It’s all about balance and staying connected.
✅ Flexibility that supports families
✅ Team culture built on connection
✅ Collaboration that happens in person
Want to be part of a team that balances life and togetherness?
Let’s talk about Madison Mortgage.
Huge shoutout to @sauloespaillat listing agent, loan officer @tomernyc and buyer’s agent, @tanoholmes who worked seamlessly together to get this deal clear to close in just 11 days.
This is what happens when communication is tight, expectations are clear, and everyone is focused on the same goal …getting clients to the finish line. 👏
#teammadison #madisonmortgage #realestate #wholesalelending #homebuyers
Loan officers need to stop leaving loans on the table.
Too many LOs join us with fractured files: deals their last institution couldn’t execute.
And the moment they get here, those same deals close.
That’s not luck.
That’s support, products, and expertise.
Key reasons this matters:
✅ Expert eyes catch solutions
✅ More products mean more wins
✅ Support turns chaos into closings
We work with 40+ lenders.
We know every product.
And we have a team of 15 elite scenario experts who know exactly where a loan belongs and how to get it across the finish line.
Retail can’t give you that.
High margins and zero support will always cost you deals.
At Madison Mortgage, we don’t let loans die.
We show you where to place them… and we help you get them executed.
How many deals would you have saved with the right support behind you?
Clients don’t care about your hours.
They’ll text you at 9 PM, 11 PM, Saturday morning, Sunday night.
It doesn’t matter.
That’s the business we’re in.
Responsiveness isn’t optional.
It’s part of the job.
Key reasons this matters:
✅ Speed wins client trust
✅ Partners expect reliability
✅ Responsiveness keeps deals
Realtors and loan officers live in the same reality.
We’re in it together.
So choose your partners wisely.
Choose someone who’s hyperresponsive.
Choose someone who bats a thousand on pre-approvals.
Choose someone who treats your clients like their own.
How many deals have you won — or lost — because of responsiveness?
Every small IMB right now is running heavy margins.
Not because they want to.
Because they have no choice.
If you are at a small IMB, you are on the wrong platform.
You either don’t see it yet or you see it and ignore it which is even worse.
Key reasons this matters:
✅ Bad tech wastes your time
✅ Heavy margins crush pricing
✅ Better platforms change lives
You don’t have to be stuck with 40-minute apps when they can be done in 5.
You don’t have to settle for weak pricing, scared underwriting, and outdated technology.
You owe it to yourself and your family to at least look at what else is out there.
Are you staying where you are out of strategy or out of habit?
More freedom, better pricing, and real control over your business…that’s why loan officers are moving from retail to wholesale.
#loanofficerlife #wholesalelending #mortgageindustry #loanofficer #mortgagebroker
When a realtor refers you to a client, that’s not casual.
That’s trust.
That's your responsibility.
That’s your reputation on the line.
You have to protect that partner.
Key reasons this matters:
✅ Realtors expect certainty
✅ Misses damage trust fast
✅ Execution keeps referrals
When a realtor says, “Help them with financing,” they’re putting their name on the line — not just yours.
It has to be a perfect pre-approval.
Clear payments.
Guaranteed execution.
No surprises.
Because if you don’t bat a thousand, you won’t keep that relationship for long.
How are you protecting the partners who trust you with their clients?
Retail LOs are getting robbed… every day.
I sat with a retail LO last week and we compared pricing live.
He couldn’t come close to the rate I was offering.
Three-quarters of a percent higher before comp.
Not because he’s bad at his job.
Because the margin baked into his rate sheet makes him uncompetitive.
Key reasons this matters:
✅ Bad pricing kills deals
✅ Old platforms stunt growth
✅ Margin hides your real value
You can be the best salesperson in the world, but it won’t matter if your rates aren’t competitive and your execution is handcuffed.
If your platform is built for 2005, you will lose to the ones built for 2025.
It’s not about loyalty.
It’s about survival and growth.
Is your platform helping you win, or holding you back?
Underwriting is the silent killer for so many LOs.
If you’re coming from a small retail shop or a tiny IMB, you already know the problem.
When a company is doing under $80–100M a month, every loan is life or death.
One scratch-and-dent at 88 cents on the dollar can wipe out profit.
So they underwrite scared.
They overcondition.
They stall files because they can’t afford a mistake.
Key reasons this matters:
✅ Fear slows approvals
✅ Scale protects execution
✅ Strong ops build confidence
In the wholesale channel, the scale is massive.
Hundreds of millions a day.
No scared underwriting.
No panic about selling every loan.
They’ll hold it.
They’ll service it.
They own the risk, and not you.
Once LOs see that difference, their only regret is not seeing it sooner.
How much is scared underwriting costing your business right now?
As we move through 2025 and look ahead to 2026, Kristopher Feeney shares why the shift to wholesale lending is creating greater opportunity—not only for loan officers, but for the borrowers they serve.
With more flexibility, stronger pricing, and access to a wider range of solutions, this model empowers loan officers to operate with clarity, efficiency, and confidence—while delivering better outcomes for clients.
@luckofirish
#wholesalelending #loanofficers #mortgageindustry #leadership
9-day CTC on an FHA loan in Virginia. ✔️
Whether it’s FHA, conventional, or more complex scenarios, our team is built to move with speed and efficiency.
And the best part? We’re licensed in 45 states, which means this level of execution isn’t limited to one market. 🚀
#fhaloan #cleartoclose #mortgageprofessionals
Some loan officers think flat fee is the only move, but it depends on where you are in your career.
Flat fee works best when you already self generate, understand products, and know how to execute.
If you need structure, support, or help putting deals together, the standard plan gives you everything you need until you’re ready to switch.
✅ Flat fee fits strong self gen LOs
✅ Standard plan gives full support
✅ Switch plans when you are ready
If you want help choosing the right path for your business, send me a message and let’s talk.