Loan options

Not sure which fits? That’s what the Mortgage Strategy Session is for.

There’s no one-size-fits-all mortgage. Below is a plain-English overview of the programs I offer through NEXA Mortgage, LLC. On our call we’ll narrow it to the two or three that actually match your goals, credit, and cash on hand.

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Side by side

Compare all programs

Conventional vs FHA vs VA vs USDA in one place: down payments, credit, mortgage insurance, and who each one fits.

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Home Purchase Financing

The full menu of purchase programs, matched to your goals, timeline, and budget, with a clear plan before you ever write an offer.

Best for: buyers who want honest numbers and a lender who's ready when it's time to make an offer.

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First-Time Buyer

Low-down-payment loan options (as little as 0 to 3% down) matched to your credit, income, and savings, with plain-English coaching through every step of the first purchase.

Best for: first-time (or first-time-in-a-while) buyers who want a clear plan and someone to answer every question along the way.

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Conventional

Flexible fixed and adjustable options for buyers with solid credit, often with lower long-term cost and the option to drop mortgage insurance later.

Best for: buyers with good credit who want flexibility.

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FHA

Government-backed loans with flexible credit and low down payment guidelines, a strong path if you're still building credit or savings.

Best for: buyers who want a lower down payment and more forgiving credit rules.

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VA

You earned it, so let's use it right. $0 down, no monthly mortgage insurance, and a benefit most lenders under-explain.

Best for: veterans, active-duty service members, and qualifying spouses.

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USDA

$0-down financing for eligible homes in USDA-designated rural and suburban parts of NC, SC, and Georgia.

Best for: buyers open to eligible areas who want to keep their down payment low.

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Self-Employed / Non-QM

Tax returns don't tell your whole story? Bank-statement, P&L, and 1099 programs qualify you on what you actually earn.

Best for: business owners who've been told 'no' by a lender who didn't get it.

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Investment Property

DSCR, BRRRR-friendly, and fix-and-flip financing that qualifies on the deal, not just your W-2.

Best for: investors building cash flow or scaling projects.

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Refinance

Rate-and-term and cash-out options built around your goals: lower payment, shorter term, debt consolidation, or renovation funds.

Best for: homeowners who want a math-first look at whether a refinance makes sense.

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A note on program availability & disclosures

Program eligibility, guidelines, and pricing are set by the applicable investor, agency, or program (FHA, VA, USDA, Fannie Mae, Freddie Mac, and others) and are subject to change without notice. Not all applicants will qualify. This information is for educational purposes only and is not a commitment to lend or a guarantee of approval, rate, payment, or closing date. Equal Housing Opportunity.

Let's find the right fit.

One 30-minute call is usually all it takes to narrow the field and pick the right program.

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Keith Lopez, NMLS #2814077 | NEXA Mortgage, LLC, NMLS #1660690 | Licensed in NC, SC & GA | Equal Housing Opportunity