Whether you're purchasing a home, refinancing, accessing equity, or planning for retirement, we'll help you find the right strategy for your next chapter.
30-Yr Fixed
6.64%
—
15-Yr Fixed
5.99%
—
FHA 30-Yr
6.44%
—
VA 30-Yr
6.26%
—
Jumbo 30-Yr
6.70%
—
Optimal Blue OBMMI via FRED · Rates as of July 27, 2026 · Not a quote or commitment to lend. National averages; your actual rate depends on credit, loan amount, property, and occupancy. Danielle Robinson — NMLS #1887335, NEXA Mortgage LLC NMLS #1660690. Equal Housing Opportunity.
Estimated Purchase Price Range
-
Reserves 20-25% of the payment for taxes, insurance, HOA & PMI. Estimate only.
Estimated Monthly Payment
$2,538
Principal & interest estimate. Taxes, insurance, and HOA not included.
Whether you're buying your first home, upgrading, or investing, we offer a wide range of loan products tailored to your financial goals.
Ideal for borrowers with good credit and a down payment.
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Government-backed loans with lower down payment requirements.
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Exclusive benefits for eligible veterans and active-duty military.
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Zero down payment options for rural and suburban homebuyers.
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Alternative qualification options for self-employed or unique situations.
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Conventional loans are the most common mortgage type and aren't backed by a government agency. They typically call for a credit score around 620+ and a down payment as low as 3%. Put 20% down and you can skip monthly mortgage insurance entirely. With competitive rates and flexible terms, they're a great fit for buyers with steady income and solid credit.
Backed by the Federal Housing Administration, FHA loans make homeownership more accessible with down payments as low as 3.5% and more forgiving credit requirements. They're especially popular with first-time buyers. Mortgage insurance is required, but an FHA loan can be a smart stepping stone into your first home.
Available to eligible veterans, active-duty service members, and qualifying spouses, VA loans offer standout benefits: no down payment, no monthly mortgage insurance, and competitive rates. Backed by the Department of Veterans Affairs, they're one of the strongest options out there.
USDA loans help buyers purchase homes in eligible rural and suburban areas with zero down payment. Backed by the U.S. Department of Agriculture, they're built for low-to-moderate income households and offer competitive rates. If you're open to areas outside the city core, this can be a powerful path to ownership.
Non-QM (non-qualified mortgage) loans verify income in alternative ways -- like bank statements or assets -- instead of traditional tax returns. They're ideal for self-employed borrowers, investors, and anyone whose finances don't fit the conventional mold.
Lower your monthly payments, shorten your loan term, or tap into your home's equity. Let's explore the best refinancing strategy for you.
Change your interest rate or loan duration without taking cash out.
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Leverage your home equity for renovations, debt consolidation, or investments.
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A simplified refinance process for existing FHA loan holders.
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The Interest Rate Reduction Refinance Loan for veterans.
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Optimize your portfolio and improve cash flow on investment properties.
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A rate-and-term refinance replaces your current mortgage with a new one at a better rate or a different term -- without pulling cash out. It's the go-to for lowering your monthly payment or paying your home off faster. If rates have dropped or your credit has improved, it's worth running the numbers together.
A cash-out refinance replaces your mortgage with a larger loan and gives you the difference in cash, drawing on your home's equity. It's a popular way to fund renovations, consolidate high-interest debt, or invest. We'll make sure the new rate and payment still work in your favor before moving forward.
The FHA Streamline is a simplified refinance for homeowners who already have an FHA loan. It often requires less paperwork, no new appraisal, and no income verification -- making it a fast, low-hassle way to lower your rate and payment.
The VA Interest Rate Reduction Refinance Loan (IRRRL) helps veterans with an existing VA loan refinance to a lower rate with minimal paperwork and, in most cases, no appraisal. It's one of the easiest, most cost-effective refinance options available.
Refinancing an investment property can lower your rate, improve monthly cash flow, or free up equity to grow your portfolio. Terms differ from primary-residence loans, and we'll structure it to maximize the return on each property you hold.
Unlock the wealth you've built in your home. Use your equity to fund major expenses while keeping your primary mortgage intact.
A flexible, revolving line of credit secured by your home.
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Reinvest in your property to increase its value.
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Pay off high-interest debt with a lower-rate home equity loan.
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Access cash quickly when unexpected expenses arise.
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Use equity to fund new investment properties or business ventures.
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Have access to funds whenever you need them.
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A HELOC is a flexible, revolving line of credit secured by your home's equity -- similar to a credit card, but at much lower rates. You draw what you need, when you need it, and pay interest only on what you use. Ideal for ongoing projects or as a financial safety net.
Using your equity for renovations is one of the smartest ways to put it to work -- you reinvest in your home and can increase its value. From kitchens to additions, we'll help you access the funds affordably without touching your low first-mortgage rate.
Rolling high-interest credit card or personal debt into a lower-rate home equity loan can dramatically cut what you pay in interest and simplify everything into one manageable payment. We'll show you the potential savings clearly before you decide.
A HELOC can act as a standing safety net -- approved and ready, but costing you nothing until you use it. It's peace of mind for unexpected expenses, medical bills, or income gaps, without draining your savings.
Your equity can be a launchpad -- funding a down payment on an investment property or providing capital for a business venture. Used strategically, it's a tool for building long-term wealth, and we'll help you weigh the opportunity against the risk.
With a HELOC in place, you have access to funds whenever life calls for it -- no reapplying, no waiting. It's flexibility on your terms, giving you options and control over your financial future.
Designed for homeowners aged 62 and older, a reverse mortgage allows you to convert part of your home equity into cash without monthly mortgage payments.
Understand how the loan works and if you qualify.
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Use home equity as a strategic tool in your retirement portfolio.
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Clear up common misconceptions about reverse mortgages.
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Buy a new primary residence using a reverse mortgage.
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A reverse mortgage lets homeowners 62 and older convert part of their home equity into cash -- with no required monthly mortgage payment. You keep the title and live in your home; the loan is repaid when you sell or move out. We'll walk you through exactly how it works and whether you qualify.
Used thoughtfully, a reverse mortgage can be a strategic part of a retirement plan -- supplementing income, delaying Social Security, or preserving other assets. It isn't right for everyone, and we'll give you an honest look at whether it fits your goals.
Reverse mortgages are often misunderstood. You still own your home, you can never owe more than it's worth (they're non-recourse), and your heirs have options when the time comes. We'll clear up the common myths so you can decide based on facts, not fear.
A HECM for Purchase lets buyers 62 and older use a reverse mortgage to buy a new primary residence -- often to downsize, relocate closer to family, or move into a home that fits their needs better -- all without taking on a monthly mortgage payment.