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Forever Home Financing Blog

FHA

Refinancing with an FHA Loan: Programs, Benefits, and Eligibility

April 24, 2026
What is an FHA Loan? FHA loans are mortgages insured by the Federal Housing Administration. This means that lenders can...
Non-QM Bank Statement

Bank Statement and P&L Mortgages for Self-Employed Borrowers

April 23, 2026
Maximizing borrowing power can be difficult for self-employed borrowers but with alternative documentation programs you don’t need to settle for...
Bad Credit

No Ratio Mortgage: What You Need to Know

April 22, 2026
Innovative solutions emerge to cater to the diverse needs of homebuyers and owners. One such option gaining prominence is the...
DSCR Investment

What Investors Need to Know About DSCR Loans

April 20, 2026
Debt Service Coverage Ratio (DSCR) loans are a valuable financing option for real estate investors and businesses. Understanding how these...
Bankruptcy Bad Credit

Buying a House After Chapter 13 Bankruptcy

April 16, 2026
Buying a house after Chapter 13 bankruptcy isn’t always straightforward, but there are more mortgage options available than many borrowers...
Bankruptcy Bad Credit

Getting a Mortgage Loan After Chapter 7 Bankruptcy

April 14, 2026
Getting a mortgage loan after a Chapter 7 Bankruptcy can be difficult, but our lenders have a number of solutions...
Conventional

A Complete Guide to Buying With a Conventional Loan

March 25, 2026
What is a Conventional Mortgage? A conventional loan is a type of mortgage that is not backed or insured by...
Buying

Do You Really Need 20% Down to Buy a Home? The Truth About Down Payments in 2026

March 12, 2026
One of the biggest myths in real estate is that you need 20% down to buy a home. This belief...
FHA Finance Interest Rates Purchasing Options

How Much House Can You Afford in 2026? A Complete Guide to Understanding Mortgage Payments

March 10, 2026
One of the first questions homebuyers ask when starting their home search is: “How much house can I afford?” While...
Bad Credit

Credit Score Requirements for Buying a Home in 2026: What Homebuyers Need to Know

March 9, 2026
One of the most common reasons people believe they cannot buy a home is their credit score. Many renters assume...
Refinance Non-QM

Inheriting a Home: Your Mortgage Options Explained

March 3, 2026
Inheriting a home is a blessing, but it comes with a number of financial obligations and your initial decisions can...
Buying Down Payment Finance Jumbo

Jumbo Loans in 2026: The Complete Guide to Buying and Refinancing a Jumbo Mortgage

February 18, 2026
If you’re purchasing or refinancing a high-priced home, chances are you’ll need a jumbo loan. Jumbo mortgages allow buyers to...
Bad Credit Buying Credit Score

How to Qualify for a Mortgage with a Low Credit Score (Step-by-Step Guide for 2026)

February 2, 2026
If you’ve been told your credit score is “too low” to buy a home, you’re not alone — and you’re...
Buying Bank Statement Conventional FHA Interest Rates Purchasing Options Refinance Underwriting

Top Most Searched Mortgage Topics in 2026: Your Ultimate Guide

January 12, 2026
If you’re researching home loans in 2026 — whether you’re a first-time buyer, veteran, or homeowner looking to refinance —...
Bad Credit

🏡 Home Affordability in 2025: How to Buy a Home in a High-Rate Market

December 1, 2025
Buying a home in 2025 feels different than it did just a few years ago. Mortgage rates have risen, housing...
Bad Credit

🌍 Mortgage Options for Diverse Borrowers in 2025: Credit, Veteran, and Self-Employed Solutions

November 25, 2025
In today’s world, the path to homeownership is no longer one-size-fits-all. Borrowers come from all walks of life — veterans,...
Buying Conventional Credit Score Down Payment

How to Buy a House in 2025: The Complete Guide to Credit Scores, Down Payments & Getting Approved

November 19, 2025
Buying a home is one of the biggest financial moves most people will ever make — and it’s also one...
Purchasing Options

The Proposed 50-Year Mortgage: Pros, Cons, and What It Means for Homebuyers

November 13, 2025
As home prices rise and affordability challenges continue nationwide, policymakers and housing experts have begun discussing a proposed 50-year mortgage...
Bad Credit

💰 Refinancing Your Home Loan in 2025: How to Save Money, Tap Equity, and Strengthen Your Finances

November 6, 2025
If you’re a homeowner in 2025, you’ve probably wondered whether refinancing your mortgage could save you money — or help...
Bad Credit

Mortgage Options for Diverse Borrowers in 2025: FHA, VA, and Low-Credit Paths to Homeownership

November 5, 2025
Homeownership remains one of the most reliable paths to financial stability and generational wealth — yet many Americans still believe...

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: 5559 S Sossaman Rd, Bldg 1 Ste 101 Mesa, AZ 85212

Regulated by IDFPR – Residential Mortgage Banking
555 West Monroe St., Ste 500
Chicago, Illinois 60661
844-768-1713

NMLS Consumer Access Link click here

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Contact Us

Contact Information

Phone – (815) 582-9066

Email – Mmccue@nexamortgage.com

Working Hours

Available 7 Days A Week 

Monday – Sunday: 8am – 9pm

Have a mortgage question? We can help.