Loan Programs
Residential mortgage products NEXA Lending loan officers originate
Because NEXA Lending is a wholesale broker, its loan officers can shop a wide panel of lenders and program overlays instead of being restricted to a single lender’s guidelines. The list below covers the product categories most commonly available through NEXA. Specific availability and terms vary by state, lender, and individual loan officer.
Program catalog
Conforming loans up to the county loan limit. Down payments from 3%. Best for borrowers with solid credit and documentable income.
Best for: First-time and repeat buyers, refinances.
Government-insured loans allowing down payments as low as 3.5% and more flexible credit requirements.
Best for: Lower-credit borrowers, first-time buyers.
Zero-down, no-PMI loans for eligible veterans, active-duty service members, and surviving spouses.
Best for: Veterans and active-duty military.
Zero-down loans for eligible rural and suburban properties, subject to income limits.
Best for: Buyers in USDA-eligible areas.
Loans exceeding conforming loan limits, with a wide range of investor guidelines through NEXA's wholesale panel.
Best for: High-balance buyers, luxury markets.
Loans that fall outside the Qualified Mortgage box: alternative documentation and flexible profiles.
Best for: Self-employed, complex income.
Debt-Service-Coverage-Ratio loans qualified on the property's rental cash flow, not the borrower's personal income.
Best for: Real-estate investors.
Qualify using 12–24 months of business or personal bank statements instead of tax returns.
Best for: Self-employed borrowers.
Loans for borrowers with an ITIN rather than a Social Security number.
Best for: Non-SSN borrowers.
One-time and two-time close construction loans plus renovation programs (FHA 203k, HomeStyle).
Best for: Buyers building or renovating.
HECM and proprietary reverse mortgages for eligible senior homeowners.
Best for: Homeowners 62+ (varies by product).
Home-equity products layered on top of an existing first mortgage.
Best for: Cash-out without disturbing a low first-lien rate.