Our team of experienced Mortgage Loan Officers is the foundation of our success. We’ve built our reputation by consistently offering the best financing options while delivering exceptional customer service. Honesty and integrity are at the heart of everything we do.
We take the time to understand your unique situation so that our knowledgeable loan officers can guide you to the ideal financing solution. Here, at Nexa Lending, we’ve empowered thousands of clients to turn their homeownership goals into reality. Every step taken Today, every form signed, every question answered, every dream imagined makes a brighter Future for your Tomorrow. We’re so proud to have helped thousands of clients secure financing and establish their brighter tomorrow.
Options, Options, and Even More Options!
Types of Loans
Adjustable Rate Mortgage (ARM)
A flexible home loan option with payments that adjust at set intervals, offering potential benefits for those planning shorter stays or expecting future income growth.
15-Year Fixed-Rate Loan
A home loan with the same monthly payments over a 15-year term, ideal for borrowers looking to build equity faster and pay off their property sooner.
30-Year Fixed-Rate Loan
A popular long-term mortgage choice with the same monthly payments spread over 30 years, offering stability and manageability of monthly budget.
Jumbo Loan
Designed for high-value homes, jumbo loans provide financing beyond conventional loan limits for luxury properties.
Rehab Loan
A specialized mortgage that combines the cost of purchasing a home with the funds needed for renovations, ideal for fixer-uppers or property upgrades.
New Construction Loan
Tailored for building a home from the ground up, this loan provides phased funding throughout the construction process until the home is complete.
FHA Loan
Backed by the Federal Housing Administration, this loan offers flexible credit and down payment options, often suited for first-time or moderate-income homebuyers.
VA Loan
A benefit exclusively for eligible veterans, active-duty service members, and some military spouses, offering favorable terms to make homeownership more accessible.
USDA Loan
Available for rural and some suburban homebuyers, this government-backed loan supports eligible buyers with flexible guidelines, has property location requirements.
Investment Property Loan
Used to purchase or refinance rental or income-generating properties, this loan supports real estate investors in building or expanding their portfolio.
DSCR Investment Loan
A loan designed for investors, based on a property's cash flow rather than personal income, ideal for those focused on rental income performance.
ITIN Loan
Created for borrowers without a Social Security number, ITIN loans help non-citizen residents secure financing using an Individual Taxpayer Identification Number.
What is a Refinance
Cash-Out Refinance
Tap into your home’s equity by replacing your current mortgage and receive cash, ideal for funding major expenses like renovations, medical expenses or debt consolidation.
Rate and Term Refinance
Refinance your existing mortgage to adjust the loan term or structure, ideal for simplifying your loan, lowering payments, or changing your financial strategy without taking cash out.
HELOC (Home Equity Line of Credit)
A flexible credit line secured by your home’s equity, allowing you to borrow and repay as needed, great for ongoing expenses like home projects or unforeseen expenses.
Find Out If Your Income Qualifies
Income
Income earned from traditional employment, verified through pay stubs and most recent 2 years of W-2 forms.
1099 Income
Used by independent contractors, freelancers, or self-employed individuals.
Bank Statements
Ideal for self-employed borrowers or those with non-traditional income, this method uses personal or business bank deposits over a set period of time to demonstrate consistent cash flow.
Profit and Loss (P&L) Statements
Common for business owners, P&L statements show business income and expenses, typically prepared by an accountant to give a snapshot of financial health.
Asset Utilization
A strategy that allows borrowers to use their savings, investments, or retirement funds as a qualifying source of income, without having to liquidate the assets.
Rental Income
Income from investment or rental properties, often verified with leases, tax returns, or appraisals showing market rent, a certain percentage can be used to help qualify.
Credit Qualification
Your credit history plays a role in the loan process, but it doesn’t necessarily define all your options. Whether you have a robust established profile or are working through past challenges, there are loan programs designed to meet a wide range of credit situations. At FuturesNow, we believe your future matters more than your past and we’re here to help you find a solution that fits your journey.