/ROUTE PLANNER
Find the programs that may fit
Tick what applies and the list narrows to the programs worth a conversation. Leave anything you are unsure about blank. Nothing here is an approval or a quote, and eligibility and terms vary by scenario.
Already know which program you need? Skip this and send the scenario.
An investment property
A home you’ll live in
Consumer mortgages I originate in select states. Anywhere else I can introduce you to a licensed colleague at NEXA Mortgage, LLC. Nothing is offered in New York.
Programs that may fit
- Closest matchDSCR rental loansBest if you want the rent to carry the file, not your tax returns.
- Closest matchShort-term rentalBest if the property will earn by the night and you want that income to count.
- Closest matchLow-value DSCR / Section 8Best if the rental cash-flows but falls under most lenders’ minimums.
- Closest matchFix & flip / bridgeBest if the deal has a defined exit and a clock already running on it.
- Closest matchNew construction cash-outBest if the build is nearly finished and the money or the loan term ran out.
- Closest matchBuildersBest if you build for a living and the draw schedule is the bottleneck.
- Closest matchRenovationBest if the house needs work you can’t pay for in cash and you want one loan, not two.
- Closest matchHELOC / second lienBest if you want the equity but not at the cost of refinancing a first mortgage you like.
- Closest matchBank statement / 1099 / P&LBest if your deposits tell the truth your tax return doesn’t.
- Closest matchJumbo & asset depletionBest if the price or the balance sheet outruns a conforming file.
- Closest matchLuxury buyersBest if your pay is mostly bonus, equity or deferred comp rather than base salary.
- Closest matchNon-warrantable condoBest if the building failed review, not you.
- Closest matchConventional, FHA, VA & USDABest if you’re buying or refinancing a home you’ll live in, and your income documents normally.
- Closest matchVA loansBest if you served, and you’ll be living in the property.
- Closest matchFirst responder / healthcare / educatorBest if you’re in public service and the down payment is the obstacle.
- Closest matchForeign nationalBest if there’s no US credit file and the property is an investment you won’t occupy.
- Closest matchITINBest if you file US taxes with an ITIN and have payment history to show for it.
Nothing on the shelf matches that combination cleanly. That is worth a conversation rather than a dead end, send it over and I will tell you what would have to change.