Get a Great Mortgage Rate

Zach Brown

NMLS#2156538

Call or Text: (573) 301-4422

Use one of our quick & easy tools to find out what you qualify for, FREE!

Home Purchase Qualifier
Refinance Rate Checker

Zach Brown Headshot

Shelby Brandt

  • Mid-MO Licensed Buying & Selling Real Estate Agent
  • Sean Moore & Associates- REMAX at Boone Realty

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Phone: (573) 645-3464

Email: Shelby@sean-moore.com

Contact Shelby

Zach Brown Headshot

Zach Brown #2156538

MO & KS Licensed Senior Mortgage Loan Officer

 DreamLux Home Loans

Phone: (573) 301-4422

Email: zbrown@nexalending.com

Contact Zach

Shelby Brandt

Cell: (573) 645-3464
Email: Shelby@sean-moore.com
Sean Moore & Associates- REMAX at Boone Realty

Complimentary Resources

Powerful Tools,Completely Free

CALCULATOR
Mortgage Calculator

Estimate your monthly payment for Columbia homes.

Calculate Now →
FREE · INSTANT
Home Purchase Qualifier

Find out exactly what you qualify for — no credit pull.

Get Qualified →
RATE CHECK
Refinance Analysis

See your break-even timeline and projected savings.

Analyze My Rate →
INSTANT VALUE
Free Home Valuation

Discover your Columbia home's current market value.

Value My Home →
LOCAL MLS
Columbia Home Search

Browse Columbia area homes matched to your loan program.

Search Homes →
BONUS TOOL
Down Payment Assistance

Explore Missouri grant programs for your down payment.

Explore Grants →

Available in Columbia

13 of Our Most PopularMortgage Loan Programs

3.5% Down
FHA Loan
First-time buyers, flexible credit
Conventional
Competitive rates, strong credit
$0 Down
VA Loan
Veterans & active duty members
$0 Down
USDA Loan
Rural & suburban eligible areas
Jumbo Loan
High-value & luxury properties
MU Health
Physician Loan
Doctors & MU Health professionals
Free $$
Down Pmt Assist
Missouri grant programs available
NON-QM
Self-employed & alt income
DSCR
Investor rental income loans
HELOC
Access your home's equity
Construction
Finance your custom build
Bridge Loan
Buy new before your home sells
Reverse Mortgage
Equity income for homeowners 62+
View All Programs
Explore every option →

Live Pricing

Today's Wholesale Mortgage Rates

Real-time pricing from 280+ lending partners — no SSN, no credit pull.

DreamLux Home Loans'
Live Wholesale Mortgage Rates

Real-time pricing from 280+ lending partners.
No SSN required. No credit pull.

No Credit Impact
Soft pull only to review your options
Same-Day Response
Rate quote delivered within hours
280+ Wholesale Lenders
We shop to find your absolute best rate
5-Star Rated Service
Verified reviews from real MO & KS clients
Zach Brown
Zach Brown
Mortgage Loan Officer  •  NMLS #2156538
DreamLux Home Loans  •  (573) 301-4422

DreamLux Home Loans is an Equal Housing Lender  •  NMLS #2156538  •  DBA NEXA Lending, LLC
Rates subject to change. Not a commitment to lend.

Types of Mortgage Loans

Missouri Mortgage Loan Programs

NEXA Lending brings you unparalleled programs and pricing tailored for Missouri Loans, designed to delight both you and your clients. Benefit from our streamlined processing, expert underwriting, and local appraisers who possess an in-depth understanding of the Missouri market. Moreover, explore our Aggressive Loan programs, offering terms and rates that stand out in the Missouri lending landscape. Discover the difference with NEXA Lending and unlock the best Missouri Loan solutions today.
FHA
Conventional
VA
USDA
HARP
REVRESEE
Explore All Loan Programs

Missouri Mortgage Loan Programs

NEXA Lending offers programs and pricing you and your clients will love. With processing, underwriting, and local appraisers that truly know our market. In addition, we have Aggressive Loan programs that you’d be hard-pressed to find anywhere else at very aggressive rates.
FHA
Conventional
USDA
VA
HARP
REVRESEE
Missouri Mortgage Loan Programs

Home Purchase Loans

Secure a home purchase loan that utilizes today’s great mortgage rates to make your dream home affordable.

Evaluate Your Property

Know where you stand. With a property evaluation in hand, you’ll have better access to your options so you can see the next move.

Fast Funding

Seize opportunity as soon as you can with our fast funding options, giving you the freedom to cure that house fever.

Refinance Rates

Lock in great terms with current interest rates to ensure your home remains affordable—or build more equity with an update!

Cash-Out Refinance

Take advantage of your home’s equity with a cash-out refinance. It’s your cash — spend it how you see fit.

Rate Comparisons

Don’t just take the first offer. Shop around. Use our rate comparisons to find the best possible plan for your home ownership strategy.

Check out DreamLux Home Loans Google Business Page & Google Reviews!

⭐️ Read Reviews or Leave Us One!

Visit Our Google Business Page

Mortgage Tips & Home Buying Guides

DreamLux Home Loans NEXA Lending RE/MAX Boone Realty

Compare Missouri and Kansas Mortgage Options

DreamLux Home Loans helps homebuyers, homeowners, and real estate investors compare high-intent mortgage options across Missouri and Kansas.

Need a second opinion or a quick pre-approval review? Zach Brown NMLS #2156538 helps Missouri and Kansas borrowers compare loan options, costs, qualification paths, and next steps.

Call 573-301-4422Email zbrown@nexalending.com

Mortgage program availability, rates, fees, terms, and approval depend on borrower qualifications, property details, lender guidelines, market conditions, and applicable law.

Missouri & Kansas Home Loan Options

Work with Zach Brown, NMLS #2156538, to compare wholesale mortgage options across Missouri and Kansas. DreamLux Home Loans helps buyers, homeowners, investors, physicians, veterans, first-time buyers, and builders review loan programs through NEXA Lending’s broad lender network.

If you are comparing a home loan, the best next step is matching the loan structure to your credit, income, down payment, property type, and timeline before you shop or refinance.

Mortgage broker near me

Find a Missouri or Kansas Mortgage Broker for Your Exact Loan Scenario

DreamLux Home Loans helps buyers compare mortgage options across Missouri and Kansas for purchases, refinances, first-time buyer scenarios, FHA, VA, USDA, jumbo, physician, construction, DSCR, HELOC, and down payment assistance strategies. Instead of relying on one retail bank option, you can compare programs through NEXA Lending’s broad lender network with Zach Brown, NMLS #2156538.

Kansas City mortgage brokerMO & KS metro purchase, refinance, FHA, VA, jumbo, and first-time buyer options. St. Louis mortgage brokerLoan comparisons for St. Louis County, St. Charles County, Jefferson County, and surrounding areas. Columbia MO mortgage lenderHome loan options for Boone County, Mizzou, MU Health, investors, and Mid-Missouri buyers. Down payment assistanceCompare Missouri and Kansas first-time buyer, grant-style, and low-down-payment paths. FHA loansFlexible credit and low-down-payment mortgage options for eligible buyers. USDA loansRural and eligible-area home loan options for Missouri and Kansas buyers.

Mortgage broker near me

Find a Missouri or Kansas Mortgage Broker for Your Exact Loan Scenario

DreamLux Home Loans helps buyers compare mortgage options across Missouri and Kansas for purchases, refinances, first-time buyer scenarios, FHA, VA, USDA, jumbo, physician, construction, DSCR, HELOC, and down payment assistance strategies. Instead of relying on one retail bank option, you can compare programs through NEXA Lending’s broad lender network with Zach Brown, NMLS #2156538.

Kansas City mortgage brokerMO & KS metro purchase, refinance, FHA, VA, jumbo, and first-time buyer options. St. Louis mortgage brokerLoan comparisons for St. Louis County, St. Charles County, Jefferson County, and surrounding areas. Columbia MO mortgage lenderHome loan options for Boone County, Mizzou, MU Health, investors, and Mid-Missouri buyers. Down payment assistanceCompare Missouri and Kansas first-time buyer, grant-style, and low-down-payment paths. FHA loansFlexible credit and low-down-payment mortgage options for eligible buyers. USDA loansRural and eligible-area home loan options for Missouri and Kansas buyers.

Official entity reference

Verify DreamLux Home Loans Facts

Review official details for DreamLux Home Loans, Zach Brown NMLS #2156538, NEXA Lending, Missouri and Kansas mortgage services, loan programs, service areas, and contact information.

View Official Facts