SMART LOANS. STRONGER FUTURES.
Mortgage Solutions
Built Around Your Goals.
Purchase a home, refinance, or explore Non-QM loan options with expert guidance and local service you can trust.
Personalized
Guidance
Competitive
Rates
Clear
Communication
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Personal
Mortgage guidance
Clear
Communication
Florida
NMLS #1513750
HOME VALUE
What's your home worth?
Get a free instant estimate, then see what a refinance, a HELOC or your next purchase could look like.
Estimate only, not an appraisal. Your actual home value may differ.
START HERE
What brings you here today?
Pick the path that fits — you don’t need to know loan names to get started.
GETTING A LOAN
I want to get a loan
First home or next home — see what you can afford, find down payment help and get pre-approved.
Get pre-approvedREFINANCING
I want to refinance
Lower your payment, shorten your term, take cash out or tap your home equity.
See refinance optionsSPECIALTY & INVESTOR
My situation is complex
Self-employed, buying a rental, a tricky condo or turned down elsewhere — there are options built for that.
- Self-employed / bank statement loans
- Rental property / DSCR loans
- Non-warrantable condo financing
- Another lender said no
REAL ESTATE AGENTS
I’m a Realtor®
Fast pre-approvals, a lender who picks up when offers go in, and your client stays yours.
Partner with AlexExplore Your Loan Options
Every borrower is unique. That’s why we offer a wide range of loan programs designed to fit your goals and your financial situation.
Purchase Loans
Finance your dream home with competitive rates and flexible loan options.
- Primary Residences
- Second Homes
- Investment Properties
Refinance Loans
Lower your monthly payment, reduce your rate, or access your home equity.
- Rate & Term Refinance
- Cash-Out Refinance
- Debt Consolidation
Conventional Loans
A popular choice with flexible terms for qualified borrowers and a variety of options.
- Competitive Rates
- Various Term Options
- Great for Primary & Second Homes
FHA Loans
Government-backed loans with low down payment options and flexible credit.
- Down Payments as low as 3.5%
- Flexible Credit Criteria
- Great for First-Time Buyers
VA Loans
VA-backed financing for eligible veterans, service members, and surviving spouses. Down payment requirements vary; a VA funding fee may apply.
- No down payment in many cases
- No PMI
- Competitive Rates
USDA Loans
USDA financing may offer no down payment for eligible borrowers and homes in qualifying rural areas. Income and other program limits apply.
- No down payment for eligible loans
- Guarantee fees apply
- Eligible rural locations
Reverse Mortgage Loans
Access home equity while living in your home. You must meet loan terms, including property taxes, insurance, upkeep, and primary residence requirements. The loan must eventually be repaid.
- For Homeowners 62+
- No monthly principal and interest payments while loan requirements are met
- Retain Home Ownership
First-Time Buyer Loans
Special loan programs and guidance to help you take the first step.
- Low Down Payment Options
- Credit Guidance
- Step-by-Step Support
SPECIALTY SOLUTIONS
Non-QM Loans For
Unique Situations
If you’re self-employed, a business owner, or have unique income sources, Non-QM loans may be the perfect solution for you.
FLORIDA HOME FINANCING
Serving Florida Buyers & Homeowners
Helping buyers and homeowners across Florida achieve their homeownership goals. Choose your region to see local down payment assistance by county and city.
THE MORTGAGE PROCESS MADE SIMPLE
Clear Steps. Confident Decisions.
01
Consultation
We’ll discuss your goals and review your options.
02
Pre-Approval
Get pre-approved so you can shop with confidence.
03
Application
We’ll collect your information and start your file.
04
Processing
We gather documents and order your appraisal.
05
Underwriting
Our team reviews and ensures everything is set.
06
Closing
Close on your loan and get the keys to your new home!
MEET ALEX
A Local Expert You
Can Count On
H. Alex El-Ali is a Mortgage Loan Originator with NEXA Mortgage, LLC, bringing 20+ years of experience and access to 300+ wholesale lenders. He helps Florida homebuyers, homeowners, and property investors understand their options, prepare for the mortgage process, and plan their next step.
- Local knowledge. Personalized service.
- Honest advice and clear communication.
- Always working in your best interest.
WHY BORROWERS CHOOSE ALEX
Local Expertise
In-depth knowledge of our markets.
Wide Loan Options
Explore options based on your goals and qualifications.
Fast Response
We’re here when you need us.
Clear Communication
You’ll never be left wondering.
Personal Guidance
Support for your next step.
MORE WAYS TO GET STARTED
Helpful resources for buyers and agents
BUYERS
Down payment assistance directory
Search county, city, SHIP, city and statewide programs for all 67 Florida counties.
Find programsREADY TO SHOP
Get pre-approved
Pre-approval decisions within 24 hours of a complete application, plus updated letters for every offer.
Start my pre-approvalREAL ESTATE AGENTS
Become a referral partner
A lender who answers the phone, backs your offers and keeps your client relationships yours.
Partner with Alex
Ready To Take The Next Step?
Let’s find the right loan solution for your goals.