One application. Many lenders. The loan that fits you.

I'm a loan officer with NEXA Mortgage, LLC, a mortgage brokerage. Instead of offering you one bank's products, I compare programs from a network of wholesale lenders and bring you the options that fit your situation.

Talk about my options Call (725) 502-5730

What a mortgage broker does for you

When you go to a bank, you get that bank's loans, rates, and rules. If you don't fit their box, the answer is usually no. A broker works differently: I take your application once, then look across several lenders to find the ones whose programs, pricing, and guidelines match you.

  • More choices. Different lenders specialize in different borrowers. One may be a better fit for a VA buyer, another for someone self-employed.
  • One point of contact. You work with me from first call to closing. I handle the back-and-forth with the lender.
  • Side-by-side comparison. I'll walk you through your options in plain English so you can choose with confidence.

Your loan is funded by the lender you choose. NEXA Mortgage, LLC does not lend money directly.

Buying a home

Purchase loans

Conventional

The most common type of home loan, available for primary homes, second homes, and investment properties. A good fit for borrowers with steady income and solid credit.

Get an estimate

FHA

Insured by the Federal Housing Administration, with lower down payment options and more flexible credit guidelines. Popular with first-time buyers.

Common questions

VA

For eligible veterans, active-duty service members, and surviving spouses. Benefits include flexible down payment requirements and no monthly mortgage insurance.

Check eligibility

USDA

For homes in eligible rural and suburban areas, with income limits that vary by county and household size.

Ask about USDA

Jumbo

For loan amounts above conforming limits, for higher-priced homes.

Talk it through

First-time buyers

I'll explain each step, what it costs, and whether down payment assistance programs may be available to you.

First-timer FAQ

Already own a home

Refinance and home equity

HELOCs

A line of credit backed by your home's equity. Draw what you need, when you need it, and keep your current mortgage in place.

How HELOCs work

Home equity loans

A one-time lump sum against your equity, usually with a fixed rate and payment, while keeping your first mortgage.

Compare equity options

Rate-and-term refinance

Change your rate, shorten or lengthen your term, or remove mortgage insurance. We'll check whether it makes sense after costs.

Run my numbers

Cash-out refinance

Replace your current mortgage with a larger one and take the difference in cash.

Talk it through

FHA and VA streamline

Simplified refinance options for borrowers who already have an FHA or VA loan.

See if I qualify

When a standard loan doesn't fit

Specialty and investor loans

Self-employed

Bank statement programs that look at your deposits instead of tax returns, for business owners, gig workers, and 1099 earners.

Talk it through

Investment property (DSCR)

Qualify based on the property's rental income rather than your personal income.

Ask about DSCR

Second homes

Financing for a vacation or part-time home.

Talk it through

Program availability, terms, and eligibility vary by lender and are subject to credit approval, underwriting, and property eligibility. Not all borrowers will qualify. Preston Sumner and NEXA Mortgage, LLC are not affiliated with or endorsed by HUD, FHA, the VA, USDA, or any government agency.

Not sure which one fits?

That's what I'm here for.

Tell me what you're working toward and I'll come back with options from the lenders that fit, explained in plain English. Talking to me doesn't cost anything or affect your credit.

Prefer to talk now? Call or text (725) 502-5730.

Tell me about your goals

I'll follow up personally.

Please don't include your Social Security number or account numbers here. See the privacy note.

Already prequalified? Fill out your application here