Forever Home Financing
Welcome

Professional Mortgage Services

Get the guidance you need! Our team specializes in:
  • HELOC
  • Low Credit Score FHA
  • Bankruptcy
  • Self Employment, 1099
  • Bank Statement
  • DSCR
Purchase Quote
Refinancing Quote

Forever Home Financing Blog

Buying FHA

How to Get an FHA Construction Loan in 2025: A Complete Guide

January 15, 2025
In 2025, many potential homeowners are considering building their dream home from scratch. Whether you’re looking for a custom-built house...
Read More
DSCR Investment Non-QM Purchasing Options Refinance

How to Get an Investment Property in Florida in 2025: A Complete Guide

January 13, 2025
Investing in real estate has long been one of the most reliable ways to build wealth, and Florida, with its...
Read More
Buying Down Payment DSCR

Rural and Agricultural Loans: Homeownership Beyond City Limits

January 9, 2025
In the hustle and bustle of urban life, the charm of rural living often beckons. The allure of wide-open spaces,...
Read More
Buying Conventional Down Payment FHA Finance Purchasing Options

The Role of Escrow in Mortgage Payments

January 8, 2025
Escrow plays a vital role in the mortgage process, serving as a mechanism to manage property taxes and homeowners insurance...
Read More
Buying Down Payment Purchasing Options Refinance

How to Choose the Right Mortgage Lender

January 3, 2025
Selecting the right mortgage lender is one of the most important steps in the home-buying process. Your lender influences not...
Read More
Non-QM Purchasing Options Refinance

What is a Non-QM Loan? A Complete Guide to Understanding Non-Qualified Mortgages

January 2, 2025
In the world of home financing, not all loans are created equal. While many people are familiar with conventional or...
Read More
Bad Credit Bankruptcy Buying Credit Score Down Payment FHA

How to Get an FHA Loan with Bad Credit: A Comprehensive Guide

December 31, 2024
Securing a mortgage with bad credit can feel like an insurmountable challenge, but it doesn’t have to be. If you’re...
Read More
Buying Conventional Purchasing Options Refinance

The Benefits of Working with a Mortgage Broker

December 31, 2024
Navigating the mortgage process can be overwhelming, with countless lenders, loan products, and terms to evaluate. For many homebuyers, working...
Read More
Buying Conventional Down Payment Finance First-Time Homebuyer Interest Rates Purchasing Options

Understanding Mortgage Points and Fees

December 30, 2024
Mortgage points and fees are critical elements of the home financing process that can significantly impact the overall cost of...
Read More
Bank Statement Buying Down Payment DSCR Interest Rates Non-QM Purchasing Options Refinance

Pros and Cons of Interest-Only Mortgages

December 30, 2024
An interest-only mortgage is a unique loan structure that allows borrowers to pay only the interest portion of their loan...
Read More
Bad Credit Buying Conventional Credit Score Down Payment FHA Finance First-Time Homebuyer No Overlays Purchasing Options Refinance Underwriting VA

Exploring Government-Backed Loans

December 30, 2024
Government-backed loans are an essential component of the mortgage market, designed to make homeownership more accessible to a wide range...
Read More
Bad Credit Buying Credit Score Down Payment FHA First-Time Homebuyer No Overlays Purchasing Options Refinance Underwriting

Getting an FHA Loan with a 500 Credit Score: Your Complete Guide

December 30, 2024
If you’re looking to buy a home but have a credit score of 500, securing a mortgage can seem challenging....
Read More
Bad Credit

Comprehensive Step-by-Step Guide to FHA Loans: Everything You Need to Know

December 30, 2024
If you’re considering buying a home with a lower down payment, an FHA loan might be a great option. Federal...
Read More
Bad Credit Bank Statement Bankruptcy Buying Conventional Credit Score Down Payment DSCR FHA Finance First-Time Homebuyer Foreclosure HELOC Interest Rates Investment Jumbo No Overlays Non-QM Purchasing Options Refinance Uncategorized Underwriting VA

Everything You Need to Know About FHA Loans: A Complete Guide Step 1 to Closing

December 30, 2024
If you’re looking to buy your first home or refinance your current mortgage, an FHA loan could be an ideal...
Read More
Bad Credit

Short-Term Rentals: Financing for Airbnb and Other Rental Properties

December 27, 2024
In recent years, the landscape of real estate has witnessed a paradigm shift with the rise of short-term rentals, particularly...
Read More
Bad Credit Bank Statement Bankruptcy Buying Conventional Down Payment DSCR FHA Finance First-Time Homebuyer Foreclosure HELOC Interest Rates

The Importance of Mortgage Pre-Approval

December 12, 2024
For prospective homebuyers, navigating the process of purchasing a home can feel overwhelming. Among the many steps involved, obtaining mortgage...
Read More
Non-QM Bank Statement Bankruptcy Buying Credit Score Down Payment FHA Finance Purchasing Options Refinance

Exploring Low Down Payment Options

December 4, 2024
For many prospective homebuyers, saving for a substantial down payment is one of the most significant hurdles to homeownership. However,...
Read More
Bad Credit Bank Statement Bankruptcy Buying Conventional Credit Score Down Payment DSCR

Understanding Mortgage Interest Rates

December 3, 2024
Mortgage interest rates are a fundamental aspect of home financing, playing a pivotal role in determining the cost of borrowing...
Read More
Bad Credit Bank Statement Bankruptcy Credit Score DSCR Finance Foreclosure Interest Rates Investment Jumbo No Overlays Non-QM Refinance Underwriting

Refinancing a Mortgage with Late Payments: What You Need to Know

November 13, 2024
Refinancing a Mortgage with Late Payments: What You Need to Know Refinancing a mortgage can be a great way to...
Read More
Bad Credit Bank Statement Bankruptcy Buying Conventional Credit Score Down Payment FHA Finance First-Time Homebuyer Interest Rates Investment Jumbo No Overlays Non-QM Purchasing Options Refinance Underwriting

Using Disability and Social Security Income to Qualify for an FHA Mortgage: A Complete Guide

November 12, 2024
For individuals who rely on disability benefits or Social Security as their primary source of income, securing a mortgage can...
Read More

Recent Closing

Forever Home Financing, Powered by NEXA Mortgage, LLC

Individual NMLS #: 2162767

Individual NMLS #:  1921869

Corporate NMLS #: 1660690

NEXA Mortgage LLC, Company Sate License: #AZMB- 0944059

NEXA Mortgage LLC Corporate Address: 3100 W Ray Rd. STE 201 Office #209 Chandler, AZ 85226

NMLS Consumer Access Link click here

17
7
1
15
10
5
6
12
13
2
4
3
11
14
8
16
9
17 7 1 15 10 5 6 12 13 2 4 3 11 14 8 16 9

Contact Us

Contact Information

Phone – (815) 582-9066

Email – [email protected]

Working Hours

Available 7 Days A Week 

Monday – Sunday: 8am – 9pm

Have a mortgage question? We can help.