Faster. Easier. Cheaper.

We are committed to ensuring that your mortgage journey is a five star experience!

The Right Lender

It's quite remarkable to learn that a significant number of individuals continue to frequent their local banks, despite the fact that neighborhood mortgage brokers often provide more attractive rates, more loan programs and reduced fees.

Competitive Rates

As a debt-free mortgage brokerage boasting minimal overhead costs, we are in the prime position to extend those savings to you through exceptionally competitive interest rates.

One Stop Shop

We meticulously navigate through a vast network of over 200 distinct investors, equipped with thousands of varied loan programs, ensuring that your mortgage is tailored precisely to your unique needs.

Get your FREE mortgage payment estimate*

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*The mortgage payment calculator is a tool for providing a general estimate. Your actual qualification, rates, and payments may vary based on specific factors and timing. It is not a guarantee of loan approval.

Rich Preston

Branch manager

going the extra mile for your smile

I'm Rich Preston and I'm Here to Help! You've heard the horror stories...how hard it is to qualify, the mounds of paperwork you have to provide, the difficulties and delays. Not to mention the fighting, shopping, and haggling to get a good rate. I've got great news... I'm here to solve that all for you. Check out the reviews from other folks just like you that I've worked with and see how I can make the process easier. Whether you need a mortgage to buy a home, or are looking to refinance for a better rate or some cash out of your property, I can help. I look forward to hearing from you.

What our clients say

As a satisfied customer, I highly endorse NEXA Mortgage for their personalized, cost-effective mortgage solutions, transparent practices, and swift, efficient process, ensuring a stress-free home buying experience.

- Steve W.

Frequently Asked Questions

We pledge unwavering support and expert guidance to unlock the ideal mortgage solutions tailored to you and your loved ones' aspirations.

Do I need to save for a 20% down payment?

No. You don't have to save for a 20% down payment. You can put down as little as 3.5% with FHA loans, or even no money at all with a DPA, VA and USDA loans. Plus, with Private Mortgage Insurance, you can buy a home without the full 20% down. You've got choices, no matter your situation.

Are Pre-Qualification and Pre-Approval the same thing?

No. Pre-qualification and pre-approval are not the same. Pre-qualification is a lender's initial assessment that you might be able to get a loan based on your finances. Pre-approval is a more formal promise from a lender to give you a mortgage based on a thorough check of your financial background.

What is the difference between a bank and a mortgage broker?

A bank is a direct lender that provides you with the mortgage funds, whereas a mortgage broker acts as an intermediary, offering you loan options from various lenders. Working with a mortgage broker offers numerous benefits. They provide valuable assistance early in the homebuying process, helping you gather necessary documents and answering your loan-related questions. A broker's access to a variety of loans means they can tailor options to your specific needs, even if you're looking for less common mortgage types or have unique circumstances such as a thin credit file. They offer customized support, going over loan options and aiding in informed decision-making. Plus, the convenience factor is significant; brokers handle the paperwork and communication with lenders, streamlining the process and saving you time and stress.

What is Private Mortgage Insurance (PMI)?

Private Mortgage Insurance (PMI) is insurance that you might have to pay if your down payment is less than 20% of your home's price when you buy it, or if you owe more than 80% of your home's value when refinancing. It's a protection for the bank or lender, not you, in case you can't pay your mortgage anymore.

Can I access my home equity before I finish paying off my loan?

Yes! Your mortgage advisor can guide you in picking the best options to get money from your home's value before you pay off your mortgage fully. This money can be used for home renovations, paying for college, or planning for long-term care, among other things. Have a chat with your mortgage advisor to learn how you can tap into your home's equity for these expenses.