MOVING FORWARD
After the Fire
If you’ve been affected by a natural disaster within the past year and reside in a Presidentially-Declared Major Disaster Area (PDMDA), the Federal Housing Administration (FHA) offers mortgage insurance programs to help you rebuild or relocate to a new home. Homeowners and renters are welcome to apply.
FEATURED PRODUCTS
USDA Loan
Features:
- No down payment
- Low-interest rates
- For homes in rural or semi-rural areas
Good Fit:
- You have low-to-moderate income
- You are looking to buy in a rural or semi-rural area
FHA Loan
Features:
- Government-backed
- Low down payment (3.5%)
- More lenient credit requirements
Good Fit:
- You are a first-time homebuyer with credit scores of 580 or higher (or 500 with 10% down)
- You have limited savings for a down payment
HELOC
Features:
- Borrow as needed, up to your approved credit limit
- Use funds for home improvements, paying off high-interest debt, education, or other needs
Good Fit:
- You have significant equity in your home
- You prefer access to funds over time instead of a lump sum
WHY US
At NEXA Mortgage, we believe that finding the right mortgage should be a smooth and stress-free experience. As your trusted mortgage loan officer, I am here to provide you with the personalized service, expert guidance, and care you deserve. Here's what sets us apart:
Clear and Honest Communication
We make complex mortgage terms and processes easy to understand. You can count on us to explain every detail and answer your questions with transparency.
Responsiveness and Availability
Your time is valuable, and we respect that. Whether it’s a quick email, a phone call, or a text, we’re here to provide timely updates and answers when you need them most.
Personalized Service Tailored to You
No two clients are the same, and neither are their mortgage needs. We take the time to understand your unique financial situation and goals to find the best loan option for you.
"Owning a home is not just a goal—it’s a foundation for building your dreams." ~Author Unknown
Ready in 3 months or less?
Starting the journey to homeownership might feel like a big leap, but it’s also an exciting step toward building your future. Think of it as creating a place that’s truly yours—where you can grow, make memories, and have a sense of stability. The process may seem a little overwhelming at first, but with the right guidance and a clear plan, you’ll find it’s not as complicated as it seems. We will help you take it one step at a time, and before you know it, you’ll be holding the keys to your very own home.
Denied in the past?
Recent bankruptcy? Self-employed less than 2 years? Whatever the reason, if you’ve been denied before, don’t let that stop you from trying again. Sometimes, it’s just a matter of finding the right fit or adjusting a few things to improve your chances. We’re here to help guide you through the process with a fresh perspective and the support you need to succeed. Every situation is different, and with the right team by your side, you might find that the dream of homeownership is closer than you think.
Not ready?
Don’t let another year pass you by, let’s work together to get you closer to finally owning your dream home. Making small changes now can help you reap great rewards in the future, even if your present circumstances are less than ideal. Stay in touch with us to receive free resources, tips, and encouraging support every month to help you make good decisions and keep you on track towards your dream of homeownership.