Loan Programs Built Around
Real Borrower Scenarios
Every borrower is different. Steve helps match the right mortgage solution to the right situation.
Lower down payment. More forgiving credit. A solid first step for plenty of buyers — when it's actually the right fit for your situation. Steve will tell you straight.
If you served, you've earned this one. Zero down, no PMI, and some of the best terms in the market. Steve will walk you through every benefit you're entitled to.
If you've got steady income and solid credit, this is usually where the best long-term value lives. Steve runs the numbers up front so you know exactly what you're working with.
If you're 62 or older with home equity built up, this can turn it into cash flow without selling or taking on a monthly payment. Not right for everyone — but a smart play for the right homeowner. Steve will walk you through the trade-offs honestly.
Tap your home's equity without giving up the first-mortgage rate you locked in years ago. Smart play for renovations, debt consolidation, or major expenses — when it actually pencils out.
Tax returns don't always tell the whole story. If you're a 1099 earner, business owner, or self-employed, Steve can look at bank statements and alternative documentation to help you qualify — when the file's clean enough to close cleanly.
Buying your first home is a big deal — and there are more paths to the closing table than most people realize. Steve will help you compare options, plan your cash to close, and avoid the rookie mistakes that cost real money.
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.NEXA Lending
. - NMLS ID 1660690 | 1125 North Bird RD, Springfield, OH, United States, 45503
Notice To Texas Loan Applicants: Consumers wishing to file a complaint against a mortgage banker, or a licensed mortgage banker residential mortgage loan originator, should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, TX 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov
A toll-free consumer hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at www.sml.texas.gov