Let’s Find the
Right Mortgage for You
Welcome to Lynn Arce's Mortgage Hub – Powered by NEXA Mortgage, the Nation's Largest Mortgage Broker*.
Whether you're buying your first home, refinancing, or exploring investment options — I'm here to guide you through it all. At NEXA Mortgage, we’re not tied to one lender. We shop from 250+ lenders to find the perfect loan for your unique situation. That means more options, better rates, and a mortgage that fits you.
Let's Connect.
*NEXA Mortgage is recognized as the largest mortgage broker in the United States by number of licensed loan officers and annual loan volume, based on industry data from sources including Business Wire and National Mortgage Professional (2024).
Life Has a Way of Changing Us
A wedding. A baby. A child leaving home. A parent coming to stay.
Moments that shift our hearts—and our needs.
Why NEXA Mortgage?
250+ Lenders, One Application
Instead of settling for one bank’s offer, we shop your loan with hundreds of lenders to find the best fit. We do the legwork — you get the results.
Solutions for Every Scenario
Have a unique situation? Low credit? Self-employed? Jumbo loan? We’ve got options for all of it. If it can be done, we’ll find a way.
Fast, Transparent, and Tech-Savvy
We combine personalized service with modern tools to make the mortgage process simple and stress-free.
We Empower.
You Move Forward.
We are Powered by NEXA Mortgage.
At the heart of everything we do is a commitment to empower you — with clarity, confidence, and choice. Backed by the nationwide strength and flexibility of NEXA Mortgage, we provide access to top-tier lenders, cutting-edge technology, and personalized solutions for every stage of your real estate journey.
Whether you're buying your first home, refinancing for better terms, or building your real estate portfolio, we’re here with expert guidance, smart options, and unwavering support every step of the way.
Because when you're empowered, you don’t just dream — you move forward.
Mortgage Options
We have access to virtually every type of mortgage product on the market:
Conventional Loans
Great Rates for Qualified Borrowers
Conventional loans are the most common type of mortgage. They're ideal for borrowers with good credit, stable income, and a solid down payment (typically 3–20%). These loans aren't backed by the government, which often means fewer restrictions and more flexibility — especially if you have strong financials. Great for primary homes, second homes, or investment properties.
FHA Loans
Low Down Payment and Credit-Friendly
Backed by the Federal Housing Administration, FHA loans are designed for first-time buyers or those with lower credit scores (as low as 500). With a down payment as low as 3.5%, FHA loans are a popular option if you're still building credit or have a higher debt-to-income ratio. Flexible and forgiving, these loans make homeownership more accessible.
VA Loans
0% Down for Eligible Veterans
Exclusively available to veterans, active-duty service members, and some military spouses, VA loans offer zero down payment, no private mortgage insurance (PMI), and competitive interest rates. Backed by the U.S. Department of Veterans Affairs, VA loans are one of the most powerful benefits for those who’ve served.
USDA Loans
No Money Down for Rural Areas
The USDA loan program is designed to support homeownership in eligible rural and suburban areas. Backed by the U.S. Department of Agriculture, these loans offer 0% down payment options, low interest rates, and reduced mortgage insurance costs. Perfect for buyers looking to settle outside major metro areas.
Jumbo Loans
For High-Value Homes
When your loan amount exceeds the conforming loan limit (currently around $806,500 in most areas), you’ll need a jumbo loan. These loans are tailored for luxury homes, high-cost areas, or larger properties. While they often require higher credit scores and more documentation, we have lender partners offering competitive jumbo rates with flexible options.
Bank Statement Loans
For Self-Employed Borrowers
Bank statement loans allow self-employed borrowers to qualify using 12–24 months of personal or business bank statements instead of traditional W-2s or tax returns. Ideal for entrepreneurs, freelancers, or business owners with non-traditional income documentation.
DSCR Loans
For Real Estate Investors
Debt Service Coverage Ratio (DSCR) loans are perfect for real estate investors who want to qualify based on a property's income potential — not personal income. No tax returns or job history required. As long as the property can cover its mortgage payments, you may qualify. Great for scaling your portfolio quickly.
Check What You Can Afford
This mortgage calculator is provided for informational and illustrative purposes only. The results are estimates and do not constitute financial advice, loan approval, or an offer to lend. Actual loan terms, rates, and payments may vary. Please consult a licensed mortgage professional for personalized guidance.
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