Guidance From Your First Question
to Closing Day
Buying a home comes with a lot of questions—especially when it comes to financing. Borrowers need clear information about their options, the process, and next steps, without pressure or confusion. This site offers a simple place to start the conversation and discuss options, with guidance provided from your first question through closing.
What to Expect in the Mortgage Process
The mortgage process doesn’t have to be confusing. Here’s a simple overview of how it typically works from start to finish.
Get Started
Reach out by text, phone, or online to ask questions and determine how to begin.
Apply, Review, Next Steps
After an application and required documents are submitted, information is reviewed, options are discussed, and next steps are outlined.
Processing, Underwriting, and Closing
The loan moves through processing and underwriting, followed by closing once final approval is received.
FAQ's
These are some of the most common questions borrowers ask.
How do I qualify for a loan?
Qualifying for a loan depends on several factors including your credit score, income, employment history, and debt-to-income ratio. These factors are reviewed to determine eligibility and available loan options.
What documents are needed?
Proof of income, assets, identification, and credit information are commonly required for individuals included on the loan application. A complete list will be provided to you.
My job doesn't allow phone calls during my shift. Is texting an option?
Yes, texting is a good way to communicate for many questions. In some situations, a phone conversation may still be needed.
What is the difference between a Pre-qualification and a Pre-approval?
A pre-qualification is typically provided after a loan originator has reviewed information such as income documentation and a credit report. It is an initial assessment and is not a final loan decision. A pre-approval (and final approval) generally requires a more complete review of the file and is issued only after an underwriter has reviewed and accepted the loan based on verified documentation. Requirements and review levels vary by lender and loan program.
Can I get a loan if my credit score is low?
There isn’t a simple yes or no answer. Some borrowers with lower credit scores may still have loan options available. Eligibility depends on individual circumstances and loan program requirements. Once credit information is reviewed, it may be possible to discuss what factors are impacting the score.
Do I need 20% down to buy a home?
No. Many loan programs offer options with lower down payments. Requirements vary depending on the loan type and borrower eligibility.
Calculate Your Payments
Estimate your monthly mortgage with our easy payment calculator. Adjust home price, down payment, loan term, and interest rate. See how small changes can impact your monthly payment.
See If You Pre-Qualify
Your pre-qualification request is just the first step
in the home loan process, so you need to keep all
of your other paperwork together and available
for when you're ready to buy.
Buy Your Dream Home
If you get pre-qualified, we will use your
information to find the loan amount that works
well for your situation. We work hard to make it
easy on you for when you're ready to buy.
Supporting you at every stage.
Most people find that mortgage financing is complicated and
confusing. I wlhelp you buy your dream home by simplifying the
mortgage financing process with personalized loan options that
save you time and money.
Contact: +1 205-860-6453
Mail: [email protected]
5559 S Sossaman Rd, Bldg 1, Ste 101
Mesa, AZ 85212
Copyright@2024 | NEXA Lending LLC
Company State LIcense # AZMB -0944059
Corporate NMLS# 1660690
Debra Hubka,
Mortgage Loan Originator
NMLS # 2722960
Debra Hubka provides mortgage guidance and loan origination services, assisting consumers with home purchase financing, refinancing, and real estate investment property loans through third-party lenders. Debra Hubka is an independent mortgage loan originator. Loans originated through NEXA Lending, LLC.
For inquiries, please contact:
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Regulated by IDFPR - Residential Mortgage Banking | 555 West Monroe St, Ste 500 Chicago, Illinois 60661 | 844-768-1713
