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The excited and at times nervous first-time homebuyers that James Dunn often represents ask him how that whole process of taking out a mortgage works, and Dunn, a Los Angeles-based real estate agent with eXp, replies with a few trusted names. “There are probably three or four people that I work with,” Dunn said. “Anyone that’s a great communicator will get my attention.”

Two hours south in San Diego, clients ask eXp agent Alanna Strei for a mortgage reference. And, after years “looking for the right mortgage partner,” Strei now confidently directs clients to mortgage broker Tim Joy at the Joy of Lending.

In July, Dunn and Strei’s real estate brokerage eXp declared that it had formed a mortgage partnership, or joint venture, with the mortgage lender, Kind Lending. Under the business marriage, eXp and Kind Lending each own half of a mortgage company scheduled to launch by the end of the year, titled “Success Lending.”