gold coast team
POWERED BY
NEXA Mortgage Company LLC
gold coast team
POWERED BY
Linda Hall
ABOUT
Linda has 4 decades of experience, covering many positions such as originating branch manager, underwriter, processor, and funder. Her attention to detail and problem-solving skills are key to ensuring smooth transactions. Linda loves the ocean, whether it’s on a beach, a boat, or scuba diving.
Yvette Gonzales
ABOUT
Yvette has 3 decades of mortgage experience. She has extensive new construction, first-time home buyer, investor, and down-payment assistance loan experience. She works hard to deliver a great experience for all our clients. Yvette is a huge music fan, so don’t be surprised if you bump into her at a concert.
Chad Cockerell
ABOUT
Chad is a second-generation loan originator with 4 decades of experience. He loves to educate and coach buyers and homeowners on how to make the best choices for their future. He is excited about all the loan options that NEXA Mortgage offers from 250+ lenders. Chad likes to hike and be in nature when he can (hence all the nature in our social media videos).
LOAN PRODUCTS WE OFFER
Mainstream Loan Products
Conventional
Jumbo
FHA
VA
USDA
Reverse mortgage loans for purchase transactions, refinances, or stand-alone seconds (behind a good first mortgage).
Niche Residential Loan Products!
Free down payment assistance program with a forgivable grant. Not just for first-time buyers!
FHA loans with credit scores as low as 500
Bank statement programs-12 & 24 months. Up to 90% of the deposits with a CPA letter
1099 only loans. Up to 90% of the 1099 with a CPA letter
Borrower-prepared P&L for income documentation
CPA-prepared P&L for income documentation
Self-employed with borrower filing first year's tax return (even if not a full year of self-employment)
No ratio owner-occupied purchases. No employment or income documentation needed. 20% down + 12 months’ reserves. Down payment gift allowed
Blanket financing for investors
DSCR Investor program with no income documentation. Rents used to qualify
DSCR NO RATIO-25% down. Perfect for properties in California rentals
Investor loans that allow for both gift funds and co-signers. VERY RARE!
Asset depletion. No employment or income documentation needed
Boarder income up to 3 legal ADU’s, manufactured units OKAY
Ability to combine multiple types of income to qualify
ITIN loans for borrowers with no Social Security numbers
Renovation loans-conventional, FHA, and VA loans. Buy and rehab up to 4 units
Land to improvement ratios not an issue on large acreage properties
Reverse mortgages for purchase transactions, refinances, or stand-alone seconds (keep a great 1st mortgage rate)
Fix and flip construction
Hard money
Mobile home loans
We have a mobile home specialist in the NEXA Mortgage family
Niche Commercial Loan Products!
Fix & flip construction money
SBA loans
Multi-family buildings 5+
Business lines of credit
Hard money
Please let us know your unique scenarios so we can help you close more transactions.
EQUAL HOUSING LENDER
NEXA Mortgage Company LLC is an Equal Housing Lender
W Ray Road, Suite 201, Office #209
Chandler, AZ 85226
NMLS #16606903100