I'm Suzannah.Your localsr. loan originator
Committed to giving you all the support and guidance you need to find the right mortgage options for you and your family.
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Help You Thrive?
Are you looking to buy your first home? Need help managing your mortgage payment? Trying to figure out how to afford that renovation? Whatever your situation, we've got the answers.
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The answers to all your mortgage questions...
Committed to giving you all the support and guidance you need to find the right mortgage options for you and your family.
Do I need to save for a 20% down payment?
No! With FHA loans you can get approved for as little as 3.5% down, VA and USDA loans can offer you $0-down options, and with Private Mortgage Insurance (PMI) you can get into your new home with less than a 20% down payment. Whatever your situation, you have options.
Are Pre-Qualification and Pre-Approval the same thing?
No. Pre-qualification and pre-approval are two different things. Pre-qualification means that a mortgage lender has reviewed your financial records and believes you will qualify for a loan. A pre-approval is a conditional committment from a lender that they will lend you the money for a mortgage.
What's the difference between an adjustable and a fixed rate mortgage?
A fixed rate mortgage means that the interest rate is set when you take out the loan and will not change. With an adjustable rate mortgage, the interest rate may go up or down after a certain amount of time. Many adjustable rate mortgages will start at a lower interest rate than fixed rate mortgages.
What is Private Mortgage Insurance (PMI)?
Private Mortgage Insurance (PMI) is a type of insurance you may be required to pay if you are taking out a conventional mortgage with a downpayment that is less than 20% of the home's overall value. If you refinance your home with a conventional loan and your equity is less than 20% of the home's value, you may also be required to pay PMI. Private Mortgage Insurance protects the lender in the event that you stop making payments on your loan.
Can I access my home equity before I finish paying off my loan?
Yes! Your mortgage advisor can help you find the right refinance and reverse mortgage options to help you access your home equity before you've finished paying off your loan. This can help with covering the cost of remodels, college tuition, long-term care plans, and more! Talk to your mortgage advisor to find out how you can access your home equity to cover any of your life's needs.
What do I do if I can't afford my mortgage payment anymore?
The first thing you should do in the event that you can't afford your mortgage payements anymore is reach out to your lender. An experienced mortgage advisor can help you find options, such as refinancing or restructuring your loan, to help you keep up with your payments. Always reach out to your lender to ensure that you can keep up with your payments and stay in your home.
Simple: we find the right loan for you.
We're committed to finding the right loan product for you with the fewest number of steps to get you from here to closing day as soon as possible. Getting into your new home is closer than you think.
Pre-Qualification and Documentation
The first step in your loan process. You can fill out your application either online or in person and then your loan officer will help you determine which loan product is right for you and what you'll need to move forward.
Find your New Home
Now that you've gotten pre-approved you're ready to start shopping for your new home! A trusted real estate agent can help you find your dream home and make sure you're getting the best terms and price on your house.
Start the Loan Process
With your sales contract agreed upon your loan officer can now begin working on your loan to find you the best options and terms and provide you with your estimate.
Appraisal
An inspector will now do a thorough examination of the home and notify you of an defects or other information you'll want to know about. Then it's time for appraisal.
Conditional Approval
You're almost there! At this point, an underwriter will review all of your documentation. If it meets the minimum requirements, they’ll issue you a “conditional approval.”
Closing
Now that everything's in order you're ready for your final sign-off and closing. We’ll get the paperwork ready for you to sign, then we’ll move the money to the title company to pay for your home.
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This licensee is performing acts for which a real estate license is required. Nexa Mortgage is licensed by the California Bureau of Real Estate, Broker #01821025; NMLS #135622. Loan approval is not guaranteed and is subject to lender review of information. All loan approvals are conditional and all conditions must be met by borrower. Loan is only approved when lender has issued approval in writing and is subject to the Lender conditions. Specified rates may not be available for all borrowers. Rate subject to change with market conditions. Nexa Mortgage is an Equal Opportunity Mortgage Broker/Lender. As a broker, Nexa Mortgage is NOT individually approved by the FHA or HUD, but Nexa Mortgage is allowed to originate FHA loans based on their relationships with FHA approved lenders.
