LOAN PROGRAMS
Every Loan Type, One Trusted Advisor
From conventional to Non-QM — Alex shops 300+ wholesale lenders through NEXA Mortgage to find the right fit for your goals.
WHERE TO START
Find your situation
Not sure which program fits? Start with what sounds like you.
| If you’re thinking… | Look at… |
|---|---|
| “I’m self-employed and write off a lot.” | Bank statement and alternative-documentation loans |
| “I’m buying a rental property.” | DSCR loans qualified on the property’s rent |
| “We need to buy before we sell.” | Buy-before-you-sell and home equity options |
| “We don’t have much saved.” | FHA, low-down-payment and down payment assistance programs |
| “I served in the military.” | VA loans with no down payment for eligible borrowers |
| “We’re buying a higher-priced home.” | Jumbo financing |
| “We want to keep our current mortgage.” | Second mortgages and HELOCs |
| “I’m 62 or older and planning a move.” | Reverse mortgage for purchase |
| “The condo building is a problem.” | Non-warrantable condo options |
| “Another lender told us no.” | A fresh review of your file |
BUYING A HOME
Purchase & first-time buyer
CORE PROGRAMS
Conventional & government-backed
Conventional Loans
As little as 3% down for eligible first-time buyers; removable PMI.
Learn moreFHA Loans
3.5% down with a 580+ score and flexible credit guidelines.
Learn moreVA Loans
No down payment and no monthly mortgage insurance for eligible veterans.
Learn moreUSDA Loans
No down payment in eligible rural and suburban areas.
Learn moreJumbo Loans
Financing above the $832,750 conforming limit (2026).
Learn moreSPECIALTY · NON-QM
Self-employed, investors & unique files
Non-QM Loans
Alternative documentation for situations traditional loans do not fit.
Learn moreBank Statement Loans
Qualify with 12–24 months of bank statements instead of tax returns.
Learn moreDSCR Investor Loans
Investors qualify on the property’s rent, not personal income.
Learn moreNon-Warrantable Condo Loans
Options when the condo building does not meet agency rules.
Learn moreCOMPARE
Core programs at a glance
| Program | Minimum down* | Typical credit* | Mortgage insurance |
|---|---|---|---|
| Conventional | 3% (eligible first-time buyers) | 620+ | PMI under 20% down; removable |
| FHA | 3.5% | 580+ | Upfront + monthly MIP |
| VA | 0% (full entitlement) | Lender-set | None; funding fee may apply |
| USDA | 0% (eligible areas/income) | Lender-set | Upfront + annual guarantee fee |
| Jumbo | Often 10%–20% | 680–700+ | Usually none |
| Non-QM | Often 10%–25% | Varies | Usually none |
*General guidelines only. Requirements vary by lender, property and borrower and change over time.
GET STARTED
Not sure where you fit?
Tell Alex a little about your situation. He’ll review it personally and recommend the programs worth comparing — no obligation, and it does not affect your credit.
- 20+ years originating mortgages
- 300+ wholesale lenders through NEXA Mortgage
- Every loan type, from conventional to Non-QM
By submitting, you agree to be contacted by phone, text or email about your inquiry. Message and data rates may apply; reply STOP to opt out of texts. Consent is not a condition of any loan. This is not a loan application — please do not include Social Security numbers, account numbers or financial documents. See our Privacy Policy.
Non-QM programs (such as bank statement and DSCR loans) are not agency or government loans and may carry different terms, rates and fees. Reverse mortgage borrowers must be 62 or older, complete HUD-approved counseling, occupy the home as their primary residence and continue to pay property taxes, homeowners insurance and upkeep. The loan becomes due when the last borrower leaves the home, sells or fails to meet loan terms. Not a commitment to lend. Not all applicants qualify. Programs, rates, terms and availability may change without notice. All loans are subject to credit, income, asset and property approval. H. Alex El-Ali, NMLS #1513750, FL LO125697 | NEXA Mortgage, LLC, NMLS #1660690. Equal Housing Lender.
Ready To Take The Next Step?
Let’s find the right loan solution for your goals.