NEXA Mortgage, LLC • NMLS #1660690 • AZMB: 944059
NEXA Mortgage, LLC • NMLS #1660690 • AZMB: 944059
We offer a comprehensive suite of loan programs tailored to your specific financial situation.
William analyzes each client’s unique financial profile to match them with the program that delivers the best long-term outcome.
FHA loans are increasingly popular for home purchases in Wisconsin and across the country. Backed by the Federal Housing Administration, these programs offer accessible financing for buyers who may not qualify for conventional loans.
VA loans are mortgage programs designed specifically for veterans, active duty service members, and eligible surviving spouses. These loans honor military contributions with easier approval and more affordable financing than most conventional options.
USDA Rural Development mortgages allow eligible Wisconsin buyers to purchase homes with zero down payment. This program strengthens rural housing markets and is specifically designed for borrowers seeking affordable homeownership in qualifying areas.
Conventional loans conform to standards set by Fannie Mae and Freddie Mac, making them the most widely used mortgage product in the country. Ideal for buyers with solid credit and stable income, they offer flexible terms and competitive rates.
Built mostly for self-employed people and business owners whose tax returns look low because of write-offs — but whose bank account shows real money coming in. It also works for freelancers, contractors, gig workers, and others with irregular income.
FHA 203(k) loans let you buy a house and pay for renovations in one single mortgage — instead of juggling a purchase loan and a separate construction loan.
Limited: Smaller, non-structural fixes (up to about $75k). Simpler process.
Standard: Bigger or structural work. Needs a HUD consultant.
One loan. One payment. Fixer-uppers become doable.
DSCR loans are made for real estate investors buying rental properties. Instead of looking at your personal income, tax returns, or W-2s, the lender mainly cares about one thing: does the rent cover the mortgage payment?
Monthly rent ÷ Monthly PITIA
PITIA = principal + interest + taxes + insurance + HOA
1.0 — rent exactly covers the payment
1.25+ — strong cash flow, best rates and terms
0.75 — some lenders go this low with extra down payment or reserves
Bottom line: If the property cash-flows, you can often get financed even if your tax returns look messy or you already own a bunch of other rentals.
Beyond purchase loans, William offers a full range of mortgage services for every stage of homeownership.
Lower your rate, reduce your term, or tap your home’s equity. William identifies the best refinance strategy for your current financial position.
Whether you’re a first-time buyer or a seasoned investor, William tailors financing to your budget, timeline, and homeownership goals.
Consolidate high-interest debt into a single, manageable mortgage payment using your home’s equity. Simplify finances while potentially reducing monthly outflows.
Not ready to buy today? William provides a free credit review and a personalized roadmap to help you qualify for the best rates when the time is right.
Let William review your situation and recommend the best path forward, at no cost to you.
