Loan

Programs

NEXA Lending LLC is not endorsed or sponsored by the U.S. Department of Agriculture, U.S. Department of Veteran Affairs, or Federal Housing Administration.

Loan Programs

Tailored Mortgage Solutions for Every Homebuyer and Investor

We offer a diverse range of mortgage products tailored to fit the unique needs of every borrower. Whether you're a first-time homebuyer looking for a low down payment FHA loan, a veteran seeking the benefits of a VA loan, or a high-income earner purchasing a luxury property with a Jumbo loan, we have options for you. Investors can take advantage of DSCR loans to qualify based on rental income, while self-employed borrowers and those with considerable assets can explore flexible financing solutions that rely on bank statements or asset verification.

If you're looking to tap into your home’s equity, a HELOC or reverse mortgage may be the right fit. For those with blemished credit histories, we provide loan programs that offer second chances, and ITIN loans help non-citizens achieve homeownership. Homeowners looking to secure a better rate or access cash can benefit from our refinance mortgage loans, while those purchasing in rural areas can take advantage of USDA loans with 100% financing. Whether you're seeking a fixed-rate mortgage for long-term stability or an adjustable-rate mortgage (ARM) for lower initial payments, we are here to guide you to the best loan for your goals. No matter your financial background or homeownership dreams, we have a solution to help you make it happen.

DSCR Loans

Designed for real estate investors, DSCR loans qualify based on a property’s income rather than personal income. This is a great option for borrowers who want to grow their portfolio without relying on traditional W-2 documentation.

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Home Equity Loans of Credit (HELOC)

A HELOC lets homeowners borrow against their home’s equity using a flexible line of credit. It can be used for renovations, debt consolidation, or other major expenses, with funds available as needed.

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Conventional Fixed Rate Mortgages (FRM)

A conventional fixed-rate mortgage offers stable monthly payments and a consistent interest rate for the life of the loan. It is a popular option for buyers who want predictability and long-term financial stability.

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Adjustable Rate Mortgages (ARM)

An adjustable-rate mortgage typically starts with a lower fixed rate for an initial period before adjusting over time. It can be a smart option for buyers planning to move, sell, or refinance before the rate changes.

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Jumbo Loans

Jumbo loans are designed for buyers purchasing higher-priced homes that exceed conventional loan limits. They are ideal for borrowers seeking financing for luxury or high-value properties.

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Refinance Mortgage Loans

Refinance loans allow homeowners to replace their current mortgage with a new one that better fits their goals. This can help lower a rate, reduce a monthly payment, or tap into home equity.

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FHA Mortgage Loans

FHA loans are designed to help more buyers achieve homeownership with lower down payment options and flexible credit guidelines. They are especially popular with first-time homebuyers and those needing a more accessible path to qualify.

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Reverse Mortgage Loans

Reverse mortgages allow eligible homeowners age 62 and older to convert part of their home equity into cash. This option can help support retirement income without requiring monthly mortgage payments.

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VA Mortgage Loans

VA loans are available to eligible veterans, active-duty service members, and some surviving spouses. They offer valuable benefits like no down payment options and competitive loan terms.

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Self-Employed Borrowers

Loan options for self-employed borrowers are designed for those with non-traditional income documentation. Bank statements or alternative income verification may be used to help qualify.

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Borrowers With Considerable Assets

Asset-based loan programs can help borrowers qualify using liquid assets instead of traditional income alone. This can be a strong solution for retirees, investors, or high-net-worth individuals.

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USDA Loans

USDA loans help eligible buyers purchase homes in qualified rural and suburban areas. They offer affordable financing options, including the potential for no down payment.

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Individual Taxpayer Identification Number (ITIN Loans)

ITIN loans help eligible non-U.S. citizens purchase a home using an Individual Taxpayer Identification Number instead of a Social Security number. They can provide a path to homeownership for borrowers who may not qualify for traditional financing.

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Buyers With Blemished Credit Histories

Loan programs for buyers with past credit challenges can help create a path toward homeownership. Depending on the situation, flexible options may be available for those working to rebuild their financial profile.