Home Loans & Financing

Let's Get You
Approved.

Competitive rates, tailored loan solutions, and a seamless process from pre-approval to closing — through NEXA Mortgage's broad lender network, guided personally by a broker who also knows the home you're buying.

Pre-approval in: 24–48 hrs
Fastest close: 20 days
Loan programs: 12+

Start your application

Step 1/3

How It Works

Four steps. No mystery.

Share the basics

Two minutes: what you want to do, your rough numbers, how to reach you.

We talk it through

A real conversation about your goals, your timeline, and every program you qualify for.

Get underwritten

Your file goes to underwriting — so your offer competes like cash, not like a maybe.

Close and get keys

From approval to signing, one advisor keeps the loan and the purchase in lockstep.

Loan Programs

More doors than one bank can open.

Conventional

As little as 3% down

Best all-around option with strong credit.

FHA

3.5% down

Flexible qualifying for credit and debt ratios.

VA

0% down

For veterans and active-duty service members.

USDA

0% down

Eligible rural and semi-rural areas nearby.

Jumbo

Above conforming limits

For higher-priced Temecula and coastal homes.

Down Payment Assistance

Program-dependent

Grants and second liens that bridge the gap.

Good to Know

Application Questions.

Does applying affect my credit score?

Starting the conversation does not. A formal application includes a credit check, which is a hard inquiry — but mortgage inquiries within a 45-day shopping window count as a single inquiry, and the impact is typically a few points.

How long does approval take?

A pre-approval is often issued within 24 to 48 hours once your documents are in. Full underwriting on a purchase typically runs 21 to 30 days to closing — well-prepared files have closed in 20.

What credit score do I need?

FHA financing can work from the low 600s, and conventional programs reward 680 and above with better pricing. If your score is close to a tier break, there are often quick moves that lift it before we lock.

Can I apply if I am self-employed?

Absolutely — a large share of my borrowers are. Bring two years of business returns and a year-to-date profit-and-loss statement, and we will structure the file around how your income actually works.