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Forever Home Financing Blog

Bank Statement

Bank Statement Loans for Self-Employed in 2024

October 11, 2024
Bank statement loans are gaining popularity among self-employed individuals, especially in 2024, as more people move toward freelance and entrepreneurial...
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First-Time Homebuyer

203k Loans for First-Time Homebuyers: A Guide

October 8, 2024
For first-time homebuyers, finding the right property can be challenging, especially when considering homes that need significant repairs or renovations....
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VA

Understanding VA EARL: A Guide to Streamlining Your Mortgage

October 4, 2024
If you’re a veteran or an active-duty service member with a VA loan, the VA Interest Rate Reduction Refinance Loan...
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Bad Credit FHA Purchasing Options Refinance Underwriting

What Are No Overlay Mortgage Lenders?

September 26, 2024
No overlay mortgage lenders are a distinct category of lenders that follow the lending guidelines set by government-sponsored enterprises (GSEs)...
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Bad Credit FHA Purchasing Options Refinance

What to Know About Chapter 13 Bankruptcy and FHA Loans

September 26, 2024
Filing for Chapter 13 bankruptcy can be a difficult and stressful experience. However, it doesn't mean that homeownership is out...
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Non-QM Purchasing Options

Bank Statement Loans: An Alternative Path to Mortgage Approval

September 24, 2024
Bank statement loans are a valuable solution for those with irregular income or self-employment, as they don't rely on traditional...
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Down Payment

Down Payment Assistance Programs: Making Homeownership Attainable

September 24, 2024
Owning a home is a dream for many, but the financial barriers, particularly the down payment, often stand in the...
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Bad Credit Bankruptcy Foreclosure

Late Payments and Housing Events: How to Get a Loan Afterward

September 18, 2024
Life can throw unexpected challenges our way, and sometimes, financial setbacks like late payments and housing events can leave a...
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FHA

Understanding No Ratio and No Document Loans

September 17, 2024
Innovative solutions emerge to cater to the diverse needs of homebuyers. Two such options gaining prominence are No Ratio and...
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DSCR Investment Non-QM Purchasing Options

Opportunities: Investing in Non-QM Mortgages for Self-Employed

September 9, 2024
In the realm of mortgage financing, traditional loan products often cater to individuals with steady employment histories and predictable income...
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Non-QM

Exploring Non-QM Loan Options

August 15, 2024
Non-Qualified Mortgage (Non-QM) loans are an alternative financing solution for borrowers who do not meet the stringent criteria of traditional...
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Investment

Investment Loans Without Cash Flow

August 14, 2024
Investment properties can be a lucrative venture, but obtaining financing for them can be challenging, especially if the property does...
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FHA

Writing Loans to the Guidelines

August 13, 2024
Writing loans to the guidelines is a critical process in the mortgage industry, ensuring that loans meet specific criteria set...
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FHA

No Income, No Ratio Loans Overview

August 12, 2024
No Income, No Ratio (NINR) loans are a type of non-traditional mortgage that do not require borrowers to provide income...
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No Overlays

Understanding Loans with No Overlays

August 8, 2024
In the mortgage industry, the term "overlays" refers to additional lending guidelines imposed by lenders that go beyond the basic...
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VA

Excluding Collections for VA Loans

August 8, 2024
VA loans are a popular financing option for veterans, active-duty service members, and their families due to their favorable terms...
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FHA

Low Score FHA Loan Approval Tips

August 7, 2024
Securing an FHA loan with a low credit score can be challenging, but it is not impossible. The Federal Housing...
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Bad Credit Refinance VA

Understanding VA Manual Underwrites

August 7, 2024
VA loans are a popular choice for veterans, active-duty service members, and their families. These loans are backed by the...
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Bad Credit FHA

Low Score FHA Loan Approval Tips

July 14, 2024
Securing an FHA loan with a low credit score can be challenging, but it is not impossible. The Federal Housing...
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DSCR

DSCR Loans: A Complete Guide

July 13, 2024
Debt Service Coverage Ratio (DSCR) loans are a valuable financing option for real estate investors and businesses. Understanding how these...
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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

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Contact Information

Phone – (815) 582-9066

Email – [email protected]

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Available 7 Days A Week 

Monday – Sunday: 8am – 9pm

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