Start your secure application.
The online application takes about 15 minutes. It’s secure, there’s no cost to see your options, and you’re not committing to any specific loan by submitting it. I review every file personally and follow up with next steps.
You’ll be taken to NEXA Mortgage’s secure application portal (LendingPad). Your info goes directly to me.
What to have handy.
You don’t need everything perfectly organized to start, just what you can grab quickly. I’ll help fill any gaps.
Government-issued ID
Driver's license or state ID for each borrower on the loan.
Income documents
Recent pay stubs (last 30 days), W-2s from the last 2 years. Self-employed: last 2 years of business and personal tax returns, plus year-to-date P&L.
Asset statements
The last 2 months of bank, retirement, or investment statements showing funds available for down payment and reserves.
Other, as applicable
Award letters (Social Security, VA), divorce decrees, bankruptcy discharge papers, or landlord contact info. I'll let you know if any of these apply.
Pre-qualified vs. pre-approved
A quick pre-qualification gives us an early look based on the numbers you share. A full pre-approval means I’ve reviewed your credit, income, and asset documents against a specific loan program. Pre-approvals carry more weight with sellers, and that’s the goal for most buyers before you write offers.
Not a commitment to lend. Loan approval subject to underwriting review of credit, income, and assets.
Prefer to talk it through first?
Book a free Mortgage Strategy Session and we'll figure out whether now is the right time to apply.
Keith Lopez, NMLS #2814077 | NEXA Mortgage, LLC, NMLS #1660690 | Licensed in NC, SC & GA | Equal Housing Opportunity