254-408-2111
We're Eric & Diane.
Branch Managers, with a team in
48 States.
Committed to giving you all the support and guidance you need to find the right
mortgage options for you and your family.
Although we specialize in
VA Loans
-
with 80 VA lenders
-
we represent the largest wholesale broker
in the nation with
over 190 lenders
and thousands of loan products.
Better. Faster. Lower Rates.
VA Loans Blog
Refinance to Save: How VA Loan Rate Reductions Build Long-Term Wealth for Veterans
Refinance-to-Save-How-VA-Loan-Rate-Reductions-Build-Long-Term-Wealth-for-Veterans ...more
Refinance & Rate Reduction
March 01, 2026•3 min read
IRRRL vs. Cash-Out Refinance: Which VA Refinance Option Is Right for You?
IRRRL-vs-Cash-Out-Refinance-Which-VA-Refinance-Option-Is-Right-for-You ...more
Refinance & Rate Reduction
March 01, 2026•3 min read
VA Loan Secrets Every First-Time Homebuyer Should Know Before Buying
VA-Loan-Secrets-Every-First-Time-Homebuyer-Should-Know-Before-Buying ...more
First-Time Homebuyer Guide
January 18, 2026•3 min read
From Pre-Approval to Closing: A Step-by-Step Guide for First-Time VA Buyers
from-pre-approval-to-closing-a-step-by-step-guide-for-first-time-va-buyers ...more
First-Time Homebuyer Guide
January 17, 2026•3 min read
Top 10 Mistakes First-Time VA Homebuyers Must Avoid
Top-10-Mistakes-First-Time-VA-Homebuyers-Must-Avoid ...more
First-Time Homebuyer Guide
January 17, 2026•3 min read
VA Loan Myths vs. Facts: What Veterans Need to Know in 2026
VA-Loan-Myths-vs-Facts-What-Veterans-Need-to-Know-in-2026 ...more
VA Loan Education
January 15, 2026•3 min read
Zero Down, Real Ownership: How VA Loans Are Changing the Homebuying Game for Veterans
Zero-Down,-Real-Ownership-How-VA-Loans-Are-Changing-the-Homebuying-Game-for-Veterans ...more
VA Loan Education
January 14, 2026•3 min read
Buying Your First Home With a VA Loan? Avoid These Costly Mistakes
Buying-Your-First-Home-With-a-VA-Loan-Avoid-These-Costly-Mistakes ...more
VA Loan Education
January 13, 2026•3 min read
How VA Loans Help Veterans Build Long-Term Wealth Through Homeownership
How-VA-Loans-Help-Veterans-Build-Long-Term-Wealth-Through-Homeownership ...more
VA Loan Education
January 12, 2026•3 min read
VA Loan Approval Secrets: What Lenders Look for and How Veterans Can Qualify Faster
VA-Loan-Approval-Secrets:-What-Lenders-Look-for-and-How-Veterans-Can-Qualify-Faster ...more
VA Loan Education
January 11, 2026•3 min read
VA Loan Limits, Entitlement & Eligibility: What Every Veteran Should Understand
VA Loan Limits, Entitlement & Eligibility: What Every Veteran Should Understand ...more
VA Loan Education
January 10, 2026•3 min read
The answers to all your
mortgage questions...
Committed to giving you all the support and guidance you
need to find the right mortgage options for you and your
family.
Do I need to save for a 20% down payment?
No! With FHA loans you can get approved for as little as 3.5% down, VA and USDA loans can offer you $0-down options, and with Private Mortgage Insurance (PMI) you can get into your new home with less than a 20% down payment. Whatever your situation, you have options.
Are Pre-Qualification and Pre-Approval the same thing?
No. Pre-qualification and pre-approval are two different things. Pre-qualification means that a mortgage lender has reviewed your financial records and believes you will qualify for a loan. A pre-approval is a conditional committment from a lender that they will lend you the money for a mortgage.
What's the difference between an adjustable and a fixed rate mortgage?
A fixed rate mortgage means that the interest rate is set when you take out the loan and will not change. With an adjustable rate mortgage, the interest rate may go up or down after a certain amount of time. Many adjustable rate mortgages will start at a lower interest rate than fixed rate mortgages.
What is Private Mortgage Insurance (PMI)?
Private Mortgage Insurance (PMI) is a type of insurance you may be required to pay if you are taking out a conventional mortgage with a downpayment that is less than 20% of the home's overall value. If you refinance your home with a conventional loan and your equity is less than 20% of the home's value, you may also be required to pay PMI. Private Mortgage Insurance protects the lender in the event that you stop making payments on your loan.
Can I access my home equity before I finish paying off my loan?
Yes! Your mortgage advisor can help you find the right refinance and reverse mortgage options to help you access your home equity before you've finished paying off your loan. This can help with covering the cost of remodels, college tuition, long-term care plans, and more! Talk to your mortgage advisor to find out how you can access your home equity to cover any of your life's needs.
What do I do if I can't afford my mortgage payment anymore?
The first thing you should do in the event that you can't afford your mortgage payements anymore is reach out to your lender. An experienced mortgage advisor can help you find options, such as refinancing or restructuring your loan, to help you keep up with your payments. Always reach out to your lender to ensure that you can keep up with your payments and stay in your home.
The answers to all your
mortgage questions...
Committed to giving you all the support and guidance you
need to find the right mortgage options for you and your
family.
Do I need to save for a 20% down payment?
No! With FHA loans you can get approved for as little as 3.5% down, VA and USDA loans can offer you $0-down options, and with Private Mortgage Insurance (PMI) you can get into your new home with less than a 20% down payment. Whatever your situation, you have options.
Are Pre-Qualification and Pre-Approval the same thing?
No. Pre-qualification and pre-approval are two different things. Pre-qualification means that a mortgage lender has reviewed your financial records and believes you will qualify for a loan. A pre-approval is a conditional committment from a lender that they will lend you the money for a mortgage.
What's the difference between an adjustable and a fixed rate mortgage?
A fixed rate mortgage means that the interest rate is set when you take out the loan and will not change. With an adjustable rate mortgage, the interest rate may go up or down after a certain amount of time. Many adjustable rate mortgages will start at a lower interest rate than fixed rate mortgages.
What is Private Mortgage Insurance (PMI)?
Private Mortgage Insurance (PMI) is a type of insurance you may be required to pay if you are taking out a conventional mortgage with a downpayment that is less than 20% of the home's overall value. If you refinance your home with a conventional loan and your equity is less than 20% of the home's value, you may also be required to pay PMI. Private Mortgage Insurance protects the lender in the event that you stop making payments on your loan.
Can I access my home equity before I finish paying off my loan?
Yes! Your mortgage advisor can help you find the right refinance and reverse mortgage options to help you access your home equity before you've finished paying off your loan. This can help with covering the cost of remodels, college tuition, long-term care plans, and more! Talk to your mortgage advisor to find out how you can access your home equity to cover any of your life's needs.
What do I do if I can't afford my mortgage payment anymore?
The first thing you should do in the event that you can't afford your mortgage payements anymore is reach out to your lender. An experienced mortgage advisor can help you find options, such as refinancing or restructuring your loan, to help you keep up with your payments. Always reach out to your lender to ensure that you can keep up with your payments and stay in your home.
Ready To Start Your
Homeownership
Journey?
Starting your road to homeownership is literally a click away. Start today!
Eric & Diane Martineau
Branch Managers
Schedule Consultation
NMLS#
Eric 11998726
Diane 1628522
Ready To Start Your
Homeownership
Journey?
Starting your road to homeownership is literally a click away. Start today!
Eric & Diane Martineau
Branch Managers
Schedule Consultation
NMLS#
Eric 1998726
Diane 1628522
Loan approval is not guaranteed and is subject to lender review of information. All loan approvals are conditional and all conditions must be met by borrower. Loan is only approved when lender has issued approval in writing and is subject to the Lender conditions. Specified rates may not be available for all borrowers. Rate subject to change with market conditions. NEXA Mortgage is an Equal Opportunity Mortgage Broker/Lender. As a broker, NEXA Mortgage is NOT individually approved by the FHA or HUD, but NEXA Mortgage is allowed to originate FHA loans based on their relationships with FHA approved lenders.
Copyright ©2023 | NEXA Mortgage LLC
Company State License# AZMB - 0944059 | NMLS# 1660690
Copyright © 2022-2024
Loan approval is not guaranteed and is subject to lender review of information. All loan approvals are conditional and all conditions must be met by borrower. Loan is only approved when lender has issued approval in writing and is subject to the Lender conditions. Specified rates may not be available for all borrowers. Rate subject to change with market conditions. NEXA Mortgage is an Equal Opportunity Mortgage Broker/Lender. As a broker, NEXA Mortgage is NOT individually approved by the FHA or HUD, but NEXA Mortgage is allowed to originate FHA loans based on their relationships with FHA approved lenders.
Copyright ©2023 | NEXA Mortgage LLC
Company State License# AZMB - 0944059 | NMLS# 1660690