NEXA Mortgage 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.
Conforming Fixed
Options that allow for up to
3% down
FHA,VA&USDA RD
Smaller down payments and expanded qualifying ratios.
We can lend down to a 500 FICO score on FHA.
Vacant Land
Options that allow for as little as 10% down
Jumbo Loans
Low rate options for loan amounts up to $3 million
Home Ready & Home Possible
97% financing with reduced mortgage insurance for qualified borrowers.
Construction
Financing for the construction of a new home with as little as
5%* down.
Zero Down Payment Options
0% down payment option for the first-time and repeat home buyers.
Common Sense Portfolio Programs
Flexible programs and options for loans that don’t fit “in the box”.
Non Warrantable Condominium
Financing for newer condo projects that do not meet conventional guidelines.
NEXA New
Financing for qualified borrowers who have had a financial hardship such as a short sale or BK.
NON QM Loans
Rather than using cash for a down payment apply it towards a lower interest rate and shorter loan term.
Renovation Programs
Streamline renovation loans that allow for the purchase and rehab for a home.
Home Equity Loans
Closed-end 2nd mortgages and lines of credit available as stand alone products or in combination with a 1st mortgage and a combined CLTV of up to 95%.
Professional
Home financing for established professionals for as little as 3% down without monthly mortgage insurance.
Doctor/Physician Loans
Practicing Physicians may qualify for $0 down and no mortgage insurance.
Downpayment Assistant Programs
Options available to assist with down payment and closing costs for qualified borrowers.
Piggyback loans
Two mortgages used together to finance a home purchase, typically to avoid PMI with a smaller down payment.
Fix n flip
Fix and flip loans are short-term financing options used by real estate investors to purchase, renovate, and sell properties for profit.
DSCR Loans
Designed to ensure Debt Service Coverage Ratio meets lender requirements for commercial property financing.
Interest-only loans
Borrowers pay only interest for a set period, often reducing initial mortgage payments.
Non-Cash Out loans
Refinancing options where borrowers adjust mortgage terms without withdrawing equity funds.
HELOC Loans
Home Equity Line of Credit allows homeowners to borrow against their home’s equity as needed.
Open line of credit loans
Flexible borrowing option where funds can be accessed as needed, akin to a credit card.
Rate & Term loans
Refinancing options that modify interest rates or loan durations without cashing out equity.
Bank Statement Loans
Utilize bank statements for income verification, ideal for self-employed or non-traditional earners.
Bridge loans
Short-term financing used to cover financial gaps, typically until long-term financing or property sale occurs.
Loan program comparison
Missouri & Kansas Mortgage Programs by Buyer Goal
The best mortgage program depends on the borrower, property, timeline, and long-term plan. DreamLux Home Loans helps compare options for first-time buyers, move-up buyers, medical professionals, veterans, investors, self-employed borrowers, builders, and homeowners reviewing refinance or HELOC strategies.
Low down payment
Compare FHA, conventional low-down-payment, VA if eligible, USDA where the property qualifies, and down payment assistance options.
Higher-value homes
Review jumbo, high-balance, physician, and custom financing paths for qualified borrowers in higher-price Missouri and Kansas markets.
Investor and rental property
Evaluate DSCR and investment-property loan paths for eligible rental scenarios, including select Missouri and Kansas investor markets.
Build or renovate
Compare construction, construction-to-permanent, HELOC, and refinance options when the goal is to build, improve, or access equity.
Quick answers
Missouri & Kansas Loan Program Questions
Which mortgage program is best for a first-time buyer in Missouri or Kansas?
Many first-time buyers compare FHA, conventional low-down-payment options, VA loans for eligible military borrowers, USDA loans where the property qualifies, and state or local down payment assistance. The best fit depends on credit, income, savings, property location, and underwriting guidelines.
Is a mortgage broker better than one bank?
A mortgage broker can compare options from multiple lending sources instead of limiting the review to one bank’s retail guidelines. That can help when a borrower needs a specific program, more flexible guideline review, or a clearer comparison between loan structures.
Can DreamLux compare loans for both Missouri and Kansas?
Yes. DreamLux Home Loans helps borrowers compare eligible mortgage options across Missouri and Kansas, including metro, suburban, rural, investment, physician, construction, refinance, and HELOC scenarios.
Official entity reference
Official DreamLux Loan Program and Licensing Facts
Review DreamLux Home Loans entity details, Zach Brown NMLS #2156538, NEXA Lending, service areas, and mortgage program information.
