Your mortgage, without the headache.

Buying, refinancing, or investing —

we make it simple and personalized every step of the way.

We believe that getting a mortgage should be fun and exciting. Our goal is not just to get you across the finish line but to make the process as stress-free as possible. Give us a chance to show you.

We do it all:

  • New purchase
  • Refinance
  • Equity draws (HELOC, HELOAN, Reverse)
  • Investor (Flips, Rentals, New Construction, DSCR)
  • Commercial
  • Click Here to Learn More

We Get You


With more than 40 years of combined experience as home buyers, sellers, investors, real estate agents, home inspectors, and mortgage professionals, we’ve seen it all.


We’ve navigated the same challenges you might face, so we know where the pitfalls are—and how to help you avoid them.


Our mission is simple: guide you with experience, protect you from costly mistakes, and make the journey as smooth as possible.


The 5 Steps to Loan Success

FAQ

  • What are the interest rates?

    This is the #1 question people ask, and it's a good question. The bad news is that it depends on numerous factors, including the house, your credit, your down payment, the loan program..... We have a ticker with current rates on the Loan Tools page, but this is just to give you an idea. The good news is that together we can find you a great rate for your custom situation.

  • How much money do I need?

    Sometimes you don’t need any money down. There are various ways to make this happen. I can show you different options available including down payment assistance programs.


     If you do have some cash on hand, this can be used to lower the principal or buy down the rate--lot's of options here.

  • Can I get a loan if I have bad credit?

    No. 

    Just kidding :) Did you know there are some loan programs with no credit score minimum? Many others have very low requirements. Give us a call/text/email and let's talk about your situation and see if one of these will work for you.

  • What are the different types of loans.

    We can access around 9,000 loan products including VA, FHA, USDA, conventional, Jumbo, ARMs, etc.  


    Check out the section on Loan Programs to get a better and more thorough idea of the different kinds.

  • Are there any loans for first time home buyers?

    Absolutely! This is the sweet spot for getting a loan. Lenders love first time home buyers (FTHBs).


    We have TONS of options if it's your first house. Call/text/email us and let's get this started!

  • How long does it take to get a loan?

    The record is around 5 days, but normally it takes about a month. This varies a lot based on things like getting an appraisal, survey, etc. Different loans require different documents, and some of the people we rely on to respond are not always as prompt as we might like.


    No one likes to wait, so we guarantee you that we will move it along as fast as possible.

  • What kinds of documents do you need to get a loan?

    Lenders want to know that you can be trusted, so they want to verify your history by looking at your credit score. 


    Then they want to know you can pay the loan, so we're talking W-2s, bank statements, pay stubs, verification of employment, and possibly tax statements. 


    It sounds like a lot, but it isn't as bad as it seems. There is a checklist on this site that gives you a general idea of which documents you will need.


  • Why should I use you as my loan officer?

    No one is more on your side than we are. In addition, not all mortgage companies are the same. At NEXA, we have access to more lenders than any other company by almost 2x. This means options and opportunities for you that other companies don't have access to. This could be the difference between getting the house and another year of renting. 


    If you choose us, you get access to these loan products, and you get a loan officer who is always on your side and who explains everything along the way. We have been buyers, sellers, real estate agents, home inspectors, and investors. We know the pain when things go wrong, and we never want that to happen to you.