Sebastian Lebhar · Nexa Lending
Mortgages, Made Simple.
Bilingual guidance and access to many lenders — for buyers, investors, and self-employed borrowers.
Fully bilingual team · Access to multiple banks · Personalized loan solutions
Why Work With Us
A calmer, clearer path to the right mortgage
A broker-led approach that puts your goals — not a single bank's products — at the center.
Access to Many Banks
As mortgage brokers, we compare options across multiple lenders instead of limiting you to one bank's products.
Bilingual Guidance
Clear communication in English and Spanish from application to closing.
Creative Loan Options
Solutions for W-2 borrowers, self-employed buyers, investors, ITIN borrowers, foreign nationals, and more.
Clear, Honest Process
We explain the numbers, requirements, and options in a simple way so you can move forward with confidence.
Loan Programs
Featured loan options
A wide range of programs sourced through many banks and lenders to fit your story.
FHA Loans
Low down payment government-backed loans, popular with first-time buyers.
Conventional Loans
Flexible financing for buyers with steady income and good credit.
VA Loans
Zero-down financing benefits for eligible veterans and service members.
USDA Loans
100% financing for qualifying rural and suburban properties.
Jumbo Loans
Financing above conforming limits for higher-value homes.
Bank Statement Loans
Qualify using business or personal bank deposits — no tax returns.
DSCR Investor Loans
Loans qualified by the property's rental cash flow.
ITIN Loans
Home financing for borrowers without a Social Security Number.
Foreign National Loans
Mortgage solutions for non-U.S. citizens investing in U.S. real estate.
Self-Employed P&L Loans
Use a CPA-prepared profit & loss statement to qualify.
3.5% Down Self-Employed P&L
A rare low-down-payment program built for business owners.
Hard Money Loans
Fast, asset-based bridge financing for investors and flippers.
Construction Loans
Financing to build a new primary or investment property.
Renovation Loans
Fund the purchase and renovation in a single loan.
Cash-Out Refinance
Tap your equity for renovations, debt payoff, or investment.
Rate & Term Refinance
Lower your rate, shorten your term, or remove mortgage insurance.
HELOCs
A flexible line of credit secured by your home equity.
First-Time Homebuyer Programs
Curated programs that make ownership more accessible.
Down Payment Assistance
Grants and second loans to help cover down payment and closing costs.
Asset-Based / Asset Depletion
Qualify using assets rather than monthly income.
Non-QM Loans
Creative loan structures for borrowers outside conventional guidelines.
Owner Finance to Refinance
Already in an owner-financed home? We help transition you into a traditional refinance with better long-term terms.
Let's find the right loan program for you
Start an application or reach out for a no-pressure conversation in English or Spanish.