Custom & Niche Loans

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

ONE Source - 285 Lenders & 350 Programs.

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 720-471-2453.

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

Custom & Niche Loans

NICHE Loans:

  • Medical Professional Loans, aka: Dr. 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

  • Commercial Loans

  • Hard-Money LoansII

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

Investors DSCR Loans:

  • DSCR Loans (Debt Service Coverage Ratio)

  • Available for DSCR Multiple Unit (1-4; 5-8) Residential for Purchase or Refinance (Rate & Term or Cash-Out)

  • 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

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

  • You DON'T have to be a first time buyer for this program!

Contact

: 720-471-2453

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

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