We're Eric & Diane.
Your Local
Branch Managers.
Committed to giving you all the support and guidance you need to find the right
mortgage options for you and your family.
Where Can We
Help You Thrive?
Realtor Success Secrets: Financing Tools That Win Offers in Tight Markets
In today’s competitive real estate market, buyers face bidding wars, limited inventory, and rising prices. For realtors, this environment presents both challenges and opportunities. The key to standin... ...more
Nexa Lending Realtor & Partner Resources
March 01, 2026•7 min read
How Better Loan Communication Turns Clients Into Repeat Buyers
In real estate, one of the most overlooked factors in client retention is loan communication. While many realtors focus on showing homes and negotiating offers, clients often remember how informed, gu... ...more
Nexa Lending Realtor & Partner Resources
February 28, 2026•6 min read
7 Ways Lenders Help Realtors Stand Out in a Competitive Market
In today’s real estate market, competition is fierce. Buyers have access to countless listings, and realtors are constantly vying for attention. To thrive, real estate professionals must not only show... ...more
Nexa Lending Realtor & Partner Resources
February 27, 2026•6 min read
The Ultimate Realtor–Lender Playbook for Smoother, Faster Closings
In today’s competitive real estate market, time is everything. Delays, miscommunications, and last-minute financing hurdles can turn a promising deal into a frustrating fall-through. Realtors who unde... ...more
Nexa Lending Realtor & Partner Resources
February 26, 2026•6 min read
Why Realtors Who Educate Clients on Financing Close More Homes
In today’s competitive real estate market, the difference between a successful transaction and a lost opportunity often comes down to buyer education. Top-performing realtors understand that clients w... ...more
Nexa Lending Realtor & Partner Resources
February 25, 2026•6 min read
From Pre-Approval to Keys: How Strong Lending Partners Reduce Fall-Throughs
In the fast-paced world of real estate, nothing is more frustrating for realtors, buyers, and sellers than a deal that falls through at the last minute. According to industry reports, nearly 20% of ho... ...more
Nexa Lending Realtor & Partner Resources
February 24, 2026•6 min read
The Mortgage Strategies Every Realtor Should Know to Close Faster
In today’s competitive real estate market, the difference between closing a deal quickly and losing a client can come down to one factor: mortgage strategy. Realtors who understand how lenders operate... ...more
Nexa Lending Realtor & Partner Resources
February 23, 2026•6 min read
How Top Realtors Win More Deals by Partnering With the Right Lender
In the competitive world of real estate, top-performing realtors know that their success doesn’t rely solely on listings, showings, or marketing strategies. One of the most powerful ways to gain an ed... ...more
Nexa Lending Realtor & Partner Resources
February 22, 2026•6 min read
One Credit Move That Could Save You Thousands on Your Home Loan
Buying a home is one of the largest financial decisions most people will make in their lifetime. While many prospective homeowners focus on the size of the down payment or finding the perfect property... ...more
Nexa Lending Credit & Financial Health
February 21, 2026•6 min read
Mortgage-Ready Finances: The Credit Checklist Every Buyer Needs
Buying a home is one of the most exciting—and sometimes stressful—financial milestones in life. While finding the perfect property is important, preparing your finances and credit is what determines w... ...more
Nexa Lending Credit & Financial Health
February 20, 2026•6 min read
The Truth About Credit Repair Before a Mortgage—What Works and What Doesn’t
Buying a home is one of the most significant financial decisions many people make in their lifetime. Your credit plays a central role in this journey, influencing not only whether you are approved for... ...more
Nexa Lending Credit & Financial Health
February 19, 2026•6 min read
Debt, Credit, and Homeownership: How to Balance It All Without Stress
Buying a home is a major milestone and a dream for many, but it can also feel overwhelming—especially if you’re juggling debt and managing your credit. The good news is that with proper planning, kn... ...more
Nexa Lending Credit & Financial Health
February 18, 2026•6 min read
Why “Good Enough” Credit Could Be the Most Expensive Mistake You Make
When it comes to buying a home, many prospective buyers assume that having “good enough” credit is sufficient to secure a mortgage. After all, a credit score in the fair-to-good range can qualify you ... ...more
Nexa Lending Credit & Financial Health
February 17, 2026•6 min read
The Credit Comeback Plan: Rebuild, Qualify, and Buy With Confidence
Life is unpredictable, and even responsible individuals can experience financial setbacks that negatively affect their credit. Whether due to medical bills, job loss, or unexpected expenses, a damaged... ...more
Nexa Lending Credit & Financial Health
February 16, 2026•6 min read
What Mortgage Lenders See When They Pull Your Credit Report
When you apply for a mortgage, one of the first steps lenders take is reviewing your credit report. This document provides a detailed picture of your financial history, and it plays a major role in de... ...more
Nexa Lending Credit & Financial Health
February 15, 2026•6 min read
From Fair to Fantastic: How Better Credit Unlocks Lower Mortgage Rates
Buying a home is an exciting milestone, but it’s also one of the largest financial commitments most people will make in their lifetime. While location, home size, and amenities are often the first thi... ...more
Nexa Lending Credit & Financial Health
February 14, 2026•6 min read
The Hidden Credit Traps That Can Kill Your Mortgage Approval in 30 Days
Buying a home is an exciting journey, but it’s also one of the most significant financial decisions you’ll ever make. Many buyers focus on the perfect home, ideal neighborhood, or competitive price, b... ...more
Nexa Lending Credit & Financial Health
February 13, 2026•6 min read
Your Credit Score Is Costing You More Than You Think—Here’s How to Fix It Before Buying a Home
Buying a home is one of the most significant financial decisions you’ll ever make. While many homebuyers focus on finding the perfect neighborhood, the right square footage, or a dream kitchen, there’... ...more
Nexa Lending Credit & Financial Health
February 12, 2026•5 min read
Nexa Lending- How to Build Long-Term Wealth Through Property Investing
Real estate investing is one of the most effective ways to build long-term wealth, offering both income potential and appreciation over time. However, creating a profitable property portfolio requires... ...more
Nexa Lending Real Estate Investors
February 09, 2026•2 min read
Nexa Lending- Using Leverage Smartly to Build Wealth
Leverage is one of the most powerful tools in real estate investing, allowing you to control valuable assets with relatively little capital. When used wisely, it can accelerate wealth creation, increa... ...more
Nexa Lending Real Estate Investors
February 08, 2026•2 min read
Nexa Lending- How Market Cycles Impact Real Estate Investors
Real estate markets are dynamic, influenced by economic conditions, interest rates, and local trends. Understanding market cycles is crucial for investors looking to maximize returns, manage risk, and... ...more
Nexa Lending Real Estate Investors
February 08, 2026•2 min read
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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
This licensee is performing acts for which a real estate license is required. Nexa Mortgage is licensed by the California Bureau of Real Estate, Broker #01821025; NMLS #135622. 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 © 2022-2024
This licensee is performing acts for which a real estate license is required. Nexa Mortgage is licensed by the California Bureau of Real Estate, Broker #01821025; NMLS #135622. 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.