Mortgage Solutions for Every Goal
From first-time homebuyers to experienced investors — I offer a full range of mortgage programs through a broad network of wholesale lending partners.
The Right Loan for Your Situation
Every client's financial picture is different. Through NEXA Mortgage, LLC, I have access to a wide network of wholesale lending partners — which means more programs, more flexibility, and better terms than most retail lenders can offer. Whether you're purchasing, refinancing, or financing an investment property, I'll help you find the right fit.
Purchase Loans
Conventional, FHA, and VA financing for homebuyers.
Whether you're a first-time buyer or purchasing your next home, I'll guide you through the right purchase loan program — conventional, FHA, VA, or jumbo — with personalized attention from pre-approval to closing.
- Conventional, FHA & VA options
- Competitive wholesale rates
- First-time buyer programs
- Personalized pre-approval
Refinance
Lower your rate or access your equity.
Refinancing can reduce your monthly payment, shorten your loan term, or unlock equity for home improvements or other goals. I'll review your current loan and find the best refinance option for your situation.
- Rate-and-term refinance
- Cash-out refinance
- Lower monthly payments
- Access built-up equity
VA Loans
Zero down financing for eligible veterans and service members.
VA loans offer eligible veterans and active-duty service members the ability to purchase or refinance with zero down payment and no private mortgage insurance. One of the most powerful mortgage benefits available.
- 0% down payment
- No PMI required
- Competitive rates
- Rental income counts
FHA Loans
Flexible financing with as little as 3.5% down.
FHA loans are ideal for homebuyers who want a low down payment and flexible credit requirements. Also a powerful house-hacking strategy for buyers purchasing 2–4 unit properties.
- 3.5% down payment
- Flexible credit requirements
- 2–4 unit properties
- House-hacking strategy
Investment Property Financing
DSCR loans and rental property financing.
Debt Service Coverage Ratio loans let real estate investors finance properties based on rental income — no tax returns, no W-2s, no employment verification. Ideal for buy-and-hold investors and portfolio builders.
- No tax returns required
- Qualify on rental income
- LLC & entity vesting OK
- DSCR & non-QM programs
Non-QM & Bank Statement
When conventional guidelines don't fit your profile.
Non-QM and bank statement programs offer flexible qualification paths for self-employed borrowers, business owners, and those with complex income structures who don't fit conventional lending guidelines.
- Bank statement qualification
- Self-employed friendly
- Foreign national programs
- Flexible underwriting
Fix & Flip Financing
Short-term bridge capital for acquisition and renovation.
Fast-close bridge loans for investors buying, renovating, and reselling investment properties. Financing covers both the purchase price and rehab costs with interest-only payments.
- Up to 90% LTC
- Rehab costs included
- Close in 7–14 days
- Interest-only payments
Jumbo Loans
Financing above conforming limits for premium properties.
Jumbo loans for high-value homes and investment properties that exceed conventional loan limits. Flexible underwriting for luxury residences, premium rentals, and large multi-family properties.
- Loan amounts $3M+
- Luxury & investment properties
- Flexible underwriting
- Competitive jumbo rates
Bank Statement Loans
Qualify using 12–24 months of deposits.
Ideal for self-employed borrowers and business owners who show strong cash flow but have complex tax returns. Qualify using personal or business bank statements instead of tax returns.
- 12 or 24-month statements
- Personal or business accounts
- No tax returns
- Competitive rates
Rental Property Financing
Long-term financing for buy-and-hold investors.
Permanent financing for single-family, multi-family, and portfolio rental properties. Competitive rates, flexible terms, and no personal income verification required.
- Single-family & multi-family
- Portfolio loans available
- 30-year fixed options
- No income docs
Which Program Is Right for You?
A quick reference to match your deal to the right loan type.
| Your Scenario | Best Loan Program | Details |
|---|---|---|
| Buy-and-hold rental, no W-2 | DSCR Loan | View |
| Self-employed investor | Bank Statement Loan | View |
| Flip a distressed property | Fix & Flip Loan | View |
| Pull equity from a rental | Cash-Out Refi | View |
| Complex income / foreign national | Non-QM Loan | View |
| Luxury or high-value property | Jumbo Loan | View |
| House-hack a 2–4 unit | FHA Loan | View |
| Veteran buying a multi-unit | VA Loan | View |
Not Sure Which Loan Fits Your Situation?
I personally review every scenario. Schedule a free consultation and get a straight answer.
No obligation. Kam personally reviews every scenario.