Nexa Mortgage
Shawn Miller

Whether you're seeking Commercial Investment loans or buying a home,

we are here to help you with your next venture.

Home Loans

Conventional

Conventional loans are often the most common type of mortgage for homebuyers, as they typically have lower interest rates and more flexible terms than government-insured loans. Conventional loans can be used to purchase a home, refinance an existing mortgage, or make home improvements.

FHA

FHA loans are available to borrowers with less-than-perfect credit, and they can be a good option for first-time home buyers or those with low down payment requirements. FHA loans generally have lower credit score and down payment requirements than conventional mortgages, making them an attractive option for many borrowers.

VA

VA loans are designed to help veterans and service members afford to buy a home. They offer a number of benefits, including:

- No downpayment

- No Private Mortgage insurance

- Lower interest rates

- Lower credit requirements

USDA

The USDA operates a program called the Single Family Housing Guaranteed Loan Program, which provides guaranteed loans to qualified borrowers to help them purchase, build, repair, or improve homes in eligible rural areas. The program is designed to help increase homeownership in rural areas, which can be difficult due to a lack of access to traditional mortgage products.

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Investment Loans

DSCR

A DSCR (debt service coverage ratio) loan is a type of loan that is based on the borrower's ability to generate sufficient income to cover the loan payments. Another benefit to the loan is it requires no income documentation from the borrower.

Fix and Flip

A fix and flip loan, also known as a short-term investment loan, is a type of financing used to purchase and renovate a property with the intention of reselling it for a profit. This type of loan is typically used by real estate investors who specialize in flipping properties.

Conventional

A conventional investment loan is used to purchase property with full income documentation and usually comes at a lower interest rate, then other specialty investment loans.

Bank Statement

A bank statement loan is a type of loan that is based on the borrower's personal or business bank account activity. Instead of using traditional income documentation, such as pay stubs or tax returns, a lender will review the borrower's bank statements to assess their financial situation and determine their ability to repay the loan.

Disclosure Statement - VanDyk Mortgage is not affiliated with any governmental agency. The material shown on this site is for informational purposes only and is not an offer to lend or extend credit. All applications are subject to underwriting approval and guidelines. Not all applicants will qualify for loan products described. All loan programs, terms, pledges, guarantees and conditions are subject to the rules and regulations and to change without notice. The products and services shown are not available in all geographic areas. The information and graphics shown are provided "as is" and VanDyk does not warrant the accuracy or completeness and disclaims any liability for errors, omissions or performance of the stated terms.

Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act.

VanDyk Mortgage Corp NMLS# 3035 - LO NMLS# 1989873

Nexa Mortgage Shawn Miller

Home Loans

Conventional

FHA

VA

USDA

Investment Loans

DSCR

Fix and Flip

Conventional

Bank Statement

Nexa Mortgage
Shawn Miller