Find Out How Much Home You Can Afford!
Know exactly what you can afford before you start searching for a home.
Ready to Buy Your First Home or Next Home?
Mortgage Home Purchase Loans without the Hassle!
Need financing options on a home, or other real estate? Choosing a purchase loan product that matches your goals and making sure you get a favorable rate doesn’t have to be stressful!
We’re here to make the home loan process easier, with tools and knowledge that will help guide you along the way, starting with a pre-qualification letter request.
We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you, whether you’re a first-time homebuyer or a repeat buyer.
The Home Purchase Loan Process
Here’s how our home purchase loan process works:
✅ Complete our simple mortgage pre-qualification letter request
✅ Receive options based on your unique criteria and scenario
✅ Compare mortgage interest rates and terms
✅ Choose the offer that best fits your needs
Do I Qualify?
To qualify for a Mortgage Broker Colorado and Virginia program, lenders typically require that you have a debt-to-income ratio of “43/49.” This means that no more than 43% of your total monthly income (from all sources, before taxes) can go toward your new Home Loan or Mortgage loans payment, and no more than 49.99% of your monthly income can go toward your total monthly debt (including your mortgage payment).
This requirement applies whether you are applying for VA Loans, VA Refinance loans, FHA Loans, or Refinance Mortgages. If you are Military or a First-Time Homebuyer, special loan programs may offer more flexible guidelines. VA and FHA programs may even allow higher debt ratios on a case-by-case basis, depending on credit profile and current Interest Rates
✅ Fixed-Rate Mortgage
✅ Adjustable-Rates Mortgage (ARM)
✅ Conforming Loans
✅ Jumbo & Super Jumbo Loans
✅ FHA, VA & USDA Loans
✅ Flexible Terms Available
NEXA Lending LLC.
AZMB #0944059
An Equal Housing Lender All Rights Reserved. © 2026
Proud Supporter of
Kerry Services all of
Colorado, Virginia
