Let's find the program that is just right for your needs!

Unlock Your Homeownership Dreams:

Diverse Loan Programs for Every Unique Buyer

From Blemished Credit to Foreign Investments - Find Your Perfect Match With Our Tailored Mortgage Solutions

Embark on your journey to homeownership with confidence, knowing that there's a loan program crafted for your unique situation. Whether you're navigating the nuances of self-employment, leveraging considerable assets, investing in real estate from abroad, or rebuilding your credit, our comprehensive suite of mortgage options ensures there's a fit for you. Dive into our easy-to-use qualifiers and personalized expertise that promise a smoother path to your new home. At our core, we believe every buyer deserves a chance to turn their property aspirations into reality, and with our carefully curated loan programs, we make it possible.

Construction Loans

About Construction Loan Options

A construction loan is a short-term, interim loan used for financing the cost of building a new home or real estate project. Unlike traditional mortgages, construction loans cover the expenses you incur as your home is being built. This type of loan has a higher interest rate than a conventional mortgage because it is considered riskier for the lender. The loan may allow interest-only payments during construction, with the full amount due upon completion of the home. A construction loan can be ideal if you are working with a builder or contractor to construct a new home and need flexible funding that matches the timeline of the construction stages.

We strive to demystify the construction loan process, providing the resources and expertise necessary to assist you. Our suite of tools begins with the Construction Loan Qualifier, designed to help you understand the borrowing and repayment structure associated with these types of loans. With our guidance, you can confidently finance your construction project, ensuring it progresses from blueprint to reality.

Home Equity Loans

About Home Equity Loan Options

A Home Equity Loan, also known as an equity loan, second mortgage, or "fixed-rate equity loan," allows homeowners to borrow money by leveraging the equity in their home. The loan amount is based on the difference between the homeowner's equity and the home's current market value. Typically, this type of loan provides a lump-sum payment to the borrower at a fixed interest rate, which means the monthly payments remain the same for the entire term of the loan. Home equity loans are ideal for those who need access to a sizable amount of money for large, one-time expenses like home renovations, medical bills, or consolidating high-interest debt.

We are dedicated to simplifying the home equity loan process for you by providing the necessary tools and expertise. Our Home Equity Loan Qualifier is the perfect starting point, offering a clear understanding of how much you may be able to borrow against the equity in your home and what your payment plan could look like. With our support, you can tap into your home's equity with confidence, ensuring you make informed decisions that align with your financial goals.

Conventional Fixed Rate Mortgages (FRM)

About Conventional Fixed-Rate Mortgage Options

A conventional fixed-rate mortgage is one of the most popular types of home loans, particularly for individuals seeking stability in their mortgage payments. This mortgage has an interest rate that remains constant for the entire term of the loan, meaning your monthly principal and interest payments stay the same. A fixed-rate mortgage can be a solid choice if you plan to own your home for many years; you prefer the predictability of fixed payments over time; or if you lock in a low rate during a period of low interest rates.

We are committed to simplifying the process for you, offering both the tools and expertise necessary to help you navigate your home-buying journey, starting with our Fixed-Rate Mortgage Qualifier. With this resource, you can understand how much you might be able to borrow and what your payments could look like, setting the stage for a secure financial future in your new home.

Adjustable Rate Mortgages (ARM)

About Adjustable-Rate Mortgage Options

An ARM is an Adjustable Rate Mortgage. Unlike fixed-rate mortgages that have an interest rate that remains the same for the life of the loan, the interest rate on an ARM will change periodically. The initial interest rate of an ARM is lower then that of a fixed-rate mortgage, consequently, an ARM maybe a good option to consider if you plan to own your home for only a few years; you expect an increase in future earnings; or, the prevailing interest rate for a fixed mortgage is too

We’re here to make it easier, with tools and expertise that will help guide you along the way, starting with our Adjustable-Rate Mortgage Qualifier.

Jumbo Loans

About Jumbo Home Loans

A jumbo loan is a loan that exceeds the conforming loan limits as set by Fannie Mae and Freddie Mac. As of 2022, the limit is $647,200 for most of the US, apart from Alaska, Hawaii, Guam, and the U.S. Virgin Islands, where the limit is $970,800. Rates tend to be a bit higher on jumbo loans because lenders generally have a higher

We’re here to make the jumbo home loan process easier, with tools and knowledge that will help guide you along the way, starting with our Jumbo Loan Qualifier.

Refinance Mortgage Loans

Home Refinance Loans without the Hassle!

Refinancing could save you a considerable amount of money over the life of your loan and potentially improve your overall financial

We’re here to make the home refinance process easier, with tools and knowledge that will help guide you along the way, starting with a refinance analysis request.

FHA Mortgage Loans

About FHA Home Loans

An FHA loan is a mortgage loan that is insured by the Federal Housing Administration (FHA). Essentially, the federal government insures loans for FHA-approved lenders in order to reduce their risk of loss if a borrower defaults on their mortgage

The FHA program was created in response to the rash of foreclosures and defaults that happened in 1930s; to provide mortgage lenders with adequate insurance; and to help stimulate the housing market by making loans accessible and

We’re here to make the FHA home loan process easier, with tools and knowledge that will help guide you along the way, starting with our FHA Loan Qualifier.

Reverse Mortgage Loans

Our Reverse Mortgage Rates Are Low & Our Process is Quick & Painless

A reverse mortgage is a loan for seniors age 62 and older. HECM reverse mortgage loans are insured by the Federal Housing Administration (FHA) and allow homeowners to convert their home equity into cash with no monthly mortgage

We’re here to make the reverse mortgage process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our Reverse Mortgage Qualifier.

VA Mortgage Loans

About VA Home Loans

A VA loan is a mortgage loan in the United States guaranteed by the U.S. Department of Veterans Affairs (VA). The loan may be issued by qualified lenders. The VA loan was designed to offer long-term financing to eligible American veterans or their surviving spouses (provided they do not remarry).

We’re here to make the VA home loan process easier, with tools and knowledge that will help guide you along the way, starting with our VA Loan Qualifier.

Self-Employed Borrowers

About Mortgage Options for Self-Employed Borrowers

Self-employed individuals often face unique challenges when obtaining a mortgage, due to non-traditional income streams and tax write-offs that can affect the way lenders evaluate their income. Nevertheless, there are mortgage options tailored to self-employed borrowers that consider the entrepreneurial nature of their income. These loans may require more extensive documentation, such as tax returns, profit and loss statements, and bank statements to verify income stability and the viability of the borrower’s business.

We recognize the importance of providing expert guidance and tools to self-employed individuals looking to navigate the mortgage process. Starting with our Self-Employed Borrower Qualifier, we offer resources specifically designed to assess your unique financial situation. This tool aims to simplify the loan application process by clarifying the types of documents you will need and providing insight into the loan options that may be available to you. With our support, self-employed borrowers can better understand how to secure a mortgage that aligns with their financial and homeownership goals.

Borrowers With Considerable Assets

About Mortgage Options for Borrowers With Considerable Assets

Borrowers with considerable assets but potentially complex income situations, such as retirees or investors, might find traditional mortgage qualification criteria less accommodating. However, asset depletion loans or asset-based mortgages offer an alternative path. These loan types allow borrowers to qualify based on liquid assets rather than regular income streams. Lenders convert your assets into an income stream by dividing your total assets by a set number of months to determine your ability to pay the mortgage.

We are here to assist high-net-worth individuals in navigating mortgage options that leverage their financial strengths. With our Asset Depletion Mortgage Qualifier, we provide specialized tools and advice to explore how your assets can work in your favor when applying for a loan. This resource is designed to offer a clear perspective on the borrowing potential your assets provide and to guide you through a mortgage process that complements your wealth management strategies. With our expertise, borrowers with considerable assets can unlock the potential to obtain a mortgage that is informed by their unique financial landscape.

Real Estate Investors

About Mortgage Options for Real Estate Investors

Real estate investors often require specialized mortgage products that cater to the investment-driven nature of their property purchases. Unlike primary residence buyers, investors look for loans that provide flexibility and favorable terms that align with their investment strategies, whether for short-term gains or long-term income. Options such as investment property loans typically come with different approval requirements, interest rates, and down payment conditions, considering the higher risk associated with rental or flip properties.

To aid real estate investors in securing appropriate financing, we offer tools and expertise, starting with our Real Estate Investor Loan Qualifier. This tool helps investors understand the range of mortgage products available to them, including interest-only loans, fix-and-flip loans, and more traditional long-term rental property loans. By assessing your investment goals, financial health, and the projected income from the property, we provide targeted advice to facilitate the best possible loan terms for your situation. With our support, real estate investors can navigate the mortgage landscape with confidence and acquire properties that complement their investment portfolio and financial objectives.

Foreign Buyers

About Mortgage Options for Foreign Buyers

Foreign buyers looking to purchase property in a different country can encounter unique challenges, as they may not have a credit history or other financial benchmarks typically required by lenders in that country. To serve the needs of non-resident buyers, certain mortgage products are designed with more flexible requirements that take into account international income and assets. These foreign national mortgage loans often necessitate a larger down payment and come with higher interest rates, reflecting the perceived increased risk.

Our commitment to serving global clients includes providing resources like our Foreign Buyer Mortgage Qualifier. This tool is designed to help international buyers understand the specific lending requirements and navigate the complexities of purchasing property abroad. It accounts for factors such as foreign income verification, currency exchange rates, and international credit considerations. With our expertise, foreign buyers can gain clarity on the mortgage process in a different country and obtain the financing needed to secure a property, whether as an investment, vacation home, or primary residence.

Buyers With Blemished Credit Histories

About Mortgage Options for Buyers With Blemished Credit Histories

Buyers with blemished credit histories may believe that owning a home is out of reach, but there are mortgage options specifically designed for individuals with less-than-perfect credit. These loans, often referred to as subprime mortgages or non-qualified (non-QM) loans, provide an opportunity to those who have faced financial difficulties, such as late payments, foreclosures, or bankruptcies, which have negatively impacted their credit scores.

We recognize the importance of access to homeownership, regardless of past credit challenges. Our Blemished Credit Mortgage Qualifier is a dedicated resource for potential buyers with credit issues. This tool offers a preliminary assessment of what kind of loan terms one might expect and what steps can be taken to improve the chances of loan approval. We provide guidance on how to address credit issues, what documentation will be necessary, and how to construct a strong case for underwriting. With our specialized support, buyers with blemished credit histories can explore pathways to homeownership that were previously thought to be closed, enabling them to work towards securing a loan that is manageable and sustainable.

Corporate Address:

3100 W Ray Road #201 Office #209

Chandler, AZ 85226

NEXA Mortgage LLC

Company State License#


Contact Us

Michael McCallum

Mortgage Loan Officer

NMLS # 1062098

Located In: AZ






This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply.

Michael Services all of AZ

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