Loan options for every situation
There’s no one-size-fits-all mortgage. Here’s a plain-English overview of the programs I offer through NEXA Mortgage, LLC for buyers in North Carolina, South Carolina, and Georgia. On our call we’ll narrow it to the two or three that actually fit.
Purchase Loans
Whether you're buying your first home or moving up, I'll match you to the right purchase program through NEXA Mortgage's lender network. From zero-down VA and USDA options to FHA and conventional, we pick from many lenders instead of one bank's menu.
Compare conventional, FHA, VA, and USDA side by side →Who it’s for: First-time buyers, move-up buyers, anyone purchasing a primary residence in NC, SC, or Georgia.
Key benefits
- Wide lender network so we shop for fit, not just one product
- Down payment as low as 0% for qualifying VA and USDA buyers
- Clear pre-approval before you write an offer
- Plain-English guidance from contract to close
First-Time Buyer
You do not need 20% down or perfect credit. Several programs let first-time buyers put down as little as 0 to 3.5%, and gift funds plus seller concessions can cut what you bring to the table. I'll coach you through every step in plain English.
How much do you really need down in NC and SC? →Who it’s for: First-time (or first-time-in-a-while) buyers who want a clear plan and someone to answer every question.
Key benefits
- As little as 0 to 3.5% down on the right program
- Honest read on credit, cash to close, and monthly payment
- Help stacking gift funds and seller-paid costs when available
- A lender who picks up the phone when it's time to offer
Refinancing
Whether you want a lower rate, a shorter term, or cash out for a real goal, I'll run the math on your current loan and show you what a refinance saves, or unlocks, before you spend a dime on fees.
Who it’s for: Homeowners who want a math-first look at whether refinancing makes sense.
Key benefits
- Rate-and-term options to lower payment or pay off faster
- Cash-out for renovations, debt consolidation, or investing
- Break-even math before you commit
- Streamline paths for eligible VA and FHA loans
Related reading
Investor Financing
Building rental cash flow or scaling projects? I work investor-friendly options like DSCR that can qualify on property income, not just your W-2, so paperwork doesn't block the deal.
DSCR loans for Carolina rental investors, in plain English →Who it’s for: Real estate investors, portfolio builders, and buyers financing investment property.
Key benefits
- DSCR and deal-based qualification paths
- Options that look at rental income, not only personal tax returns
- Support for long-term rentals and, when the lender allows, short-term
- Clear numbers before you go under contract
Related reading
Self-Employed / Non-QM
Tax returns don't always tell your whole story. Bank-statement, P&L, and 1099 programs can qualify you on what you actually earn, for business owners who've been told no by a lender who didn't get it.
Bank statement loans when tax returns understate income →Who it’s for: Self-employed buyers, business owners, and borrowers with non-traditional income.
Key benefits
- Bank-statement qualification (often 12 or 24 months)
- P&L and asset-based options when they fit
- Honest comparison vs. a standard W-2 path
- A lender who understands self-employed files
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.
Not sure which option is right?
One free Mortgage Strategy Session is usually enough to narrow the field and pick the program that fits your goals, credit, and cash on hand.
Keith Lopez, NMLS #2814077 | NEXA Mortgage, LLC, NMLS #1660690 | Licensed in NC, SC & GA | Equal Housing Opportunity