Nation of Homeowners, the purpose-driven platform committed to closing America’s growing wealth gap through strategic homeownership, has announced the official launch of NOH Mortgage Group in partnership with Panorama Mortgage Group (PMG), a multichannel mortgage company headquartered in Las Vegas. Together, the organizations are setting out on a bold mission.

“Today, the most significant wealth disparity in America is no longer defined by race, but by real estate – the divide between renters and homeowners. Our mission is to close that divide with a strategy that empowers every American family,” said Nick J. Gouché, Founder of NOH Mortgage Group.

This statement is underscored by data showing that while the median White family holds five times the wealth of the median Black family, the gap between homeowners and renters is far greater — with the median homeowner possessing nearly forty times the wealth of the median renter.

NOH Mortgage Group will combine Panorama Mortgage Group’s national infrastructure with the Nation of Homeowners’ values-driven approach to lending, designed to serve families not just at the closing table but across generations. The firm’s guiding vision is to transform how mortgage lending is experienced—placing long-term financial empowerment at the center of the client relationship.

“At Panorama Mortgage Group, we believe that homeownership is the foundation of generational wealth, and our partnership with Nation of Homeowners represents a bold step toward closing the gap that has left too many families behind. By combining Nick’s proven leadership with PMG’s national scale, we are creating a platform that prioritizes education, trust, and long-term financial empowerment. On a personal level, I’ve had the privilege of knowing Nick for years, and I trust not only his expertise but also his character. He is exactly the kind of leader families can count on.” — Fernando Ospina, Retail President, Panorama Mortgage Group dba Alterra Home Loans

At the helm of the new venture is Nick J. Gouché, Founder and Mortgage Lender, who brings nearly two decades of expertise in origination, leadership, and financial education. A three-time nationally ranked Top 1% Loan Originator and former President of Legacy Home Loans, a PMG-affiliated brand, Nick has established himself as a trusted voice in the mortgage industry.

He is also the author of multiple books on financial literacy and the creator of Future Homeowners USA, a curriculum now being piloted in California schools to prepare the next generation for ownership.

“Our mission is simple but urgent,” said Nick. “Too many families lose trust in the mortgage process because they feel like a transaction, not a relationship. At NOH Mortgage Group, we’re bringing trust back to the table by combining personalized mortgage strategy with a long-term wealth-building vision. This is about restoring faith in the American Dream.”

The launch comes at a time when research shows nearly 7.3 million Americans are expected to experience buyer’s remorse after purchasing a home, with over half unwilling to use the same loan officer again. NOH Mortgage Group aims to address this gap by offering a relationship-first model supported by financial education, accountability, and community impact.

“We feel privileged to partner with Nick in this journey. Without question, his tenacity, passion, and curiosity are unmatched. That, paired with the humility to always keep learning, makes him an extraordinary leader,” said Jason Madiedo, CEO & Founder of Panorama Mortgage Group. “As his friend and fellow colleague in the quest to build wealth for those that need it most… LFG!!!”

With the launch of NOH Mortgage Group, Nation of Homeowners expands its reach beyond advocacy, publishing, and education into a fully integrated mortgage platform, creating a new standard for how lenders can serve both clients and communities.