Custom & Niche Loans

There is a lot to think about when it comes to selecting the right mortgage for your individual situation.

We offer just about every type of mortgage available. Below are a sampling of affordable Custom Loans & Niche Loans.

For more information, please call me at 720-907-4433 or 720-471-2453.

I am happy to answer questions and work up a custom loan for your unique situation.

Custom & Niche Loans

Investors DSCR Loans:

  • DSCR Loans (Debt Service Coverage Ratio)

  • No tax returns or W-2s required

  • Close in as little as 2-3 weeks

  • Qualify based on rental income (not personal DTI)

  • Available for short-term and long-term rentals (including Airbnb)

  • Ideal for portfolio growth and cash-flowing properties

  • 40-Year DSCR P&I as well as Interest Only available

Equity Xcelerator Loans:

  • A unique loan designed to pay off a 30-year mortgage in under 10 years; Build equity faster

  • First position HELOC that functions as both a mortgage and a checking account

  • Pays principal first

  • Deposits create a snowball on equity acceleration as every deposit lowers the balance immediately, reducing interest accrual

  • For Stable, higher income borrowers

40-Year Jumbo Loans:

  • Primary Residence & 2nd Home up to 90% CLTV; 680 Min FICO

  • Investment Property up to 80% LTV; 680 Min FICO

  • Up to 4 Borrowers per loan

  • Max Loan Size $3,000,000

NICHE Loans:

  • Bank Statement Loans up to 90% LTV

  • DSCR up to 85% CLTV

  • 1099 Only Loans

  • Foreign National Loans

  • ITIN Loans (Individual Taxpayer Identification Number)

  • Asset Depletion - Combine with other income types

  • Credit Challenged - FHA Min 550 FICO; VA Min 580 FICO

  • Lease Purchase Program - Use Rent Credits towards down payment

  • Bridge Loans - Eliminate Contingencies on Purchase Contracts

  • 2% DPA Grant Program, Fully Forgiven on Day 1, No Lien, No Repayment, No 2nd, No Strings.II

100% & 101.5% FHA DPA Deluxe Loans:

  • Allows up to 101.5% CLTV with 1.5% to cover Closing Costs

  • 96.5% 1st + 5% 2nd

  • Follows FHA Guidelines

  • 600 Min FICO

  • Primary Residence ONLY

Location

: 24661 E Park Crescent Dr, Aurora, CO 80016, United States

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Nexa Mortgage LLC

NMLS# 1660690 | 3100 W Ray Road #201 Office #209 Chandler, AZ 85226

NEXA Mortgage LLC is an Equal Housing Lender

NMLS Consumer Access Link: Click Here

Notice To Texas Loan Applicants: Consumers wishing to file a complaint against a mortgage banker, or a licensed mortgage banker residential mortgage loan originator, should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, TX 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov.

A toll-free consumer hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at www.sml.texas.gov