Explore Your Options

Comprehensive Home Financing


Options in Florida


Whether you are buying your first primary residence, accessing equity, or scaling an investment portfolio, we offer personalized mortgage programs designed to fit your financial strategy.

Traditional Mortgage Programs

Conventional Loans: Fixed and adjustable-rate options with competitive rates for borrowers with good credit.

FHA Loans: Flexible credit guidelines and low down payment options ideal for first-time buyers in Florida.

VA Loans: Exclusive $0-down mortgage solutions for active-duty military, veterans, and eligible spouses.

Jumbo Loans: High-balance financing for luxury homes and high-value properties exceeding standard loan limits.

USDA Loans: Low-to-zero down payment options for properties in designated rural and suburban areas.

Real Estate Investor & DSCR Financing

DSCR Loans: Qualify based entirely on the rental property’s cash flow (Debt Service Coverage Ratio) rather than personal debt-to-income ratios.

Investment Property Loans: Portfolio expansion strategies for single-family rentals, multi-family units, and short-term rentals (Airbnb/VRBO).

Self-Employed & Non-QM Mortgage Solutions

Bank Statement Loans: Qualify using 12 to 24 months of personal or business bank statements—no W-2s or tax returns required.

Non-QM Loans: Flexible underwriting solutions for business owners, freelancers, and borrowers with non-traditional income.

Specialty Mortgage Programs

Specialized financing options for borrowers whose needs may not fit traditional mortgage programs.

Refinance & Home Equity Options


Rate-and-Term Refinance: Lower your monthly mortgage payment or adjust your loan term to align with current financial goals.


Cash-Out Refinance: Leverage your Florida home equity for home improvements, debt consolidation, or new investments.


HELOC & Equity Lines: Flexible revolving credit options utilizing your home equity without disturbing your primary mortgage rate.


Construction & Renovation Loans


Construction & Renovation Financing: Comprehensive funding options for building a custom home or renovating an existing property.



Not Sure Which Loan Fits Your Needs?

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Meet Maria Velez

Mortgage Loan Originator

NMLS #2498071 | NEXA Mortgage, LLC.

“Buying a home or refinancing is one of life’s most significant financial milestones. My mission is to simplify the mortgage process through education, integrity, and proactive support—empowering you to make confident financing decisions.” — Maria Velez


As an independent Mortgage Loan Originator with NEXA Mortgage, I connect you with top wholesale lenders nationwide to secure competitive rates and tailored financing solutions in Florida.


  • Personalized Guidance: Honest, clear advice designed around your long-term wealth goals—never a one-size-fits-all approach.
  • Flexible Loan Products: Customized strategies for homebuyers, self-employed borrowers, and real estate investors.
  • Transparent Process: Proactive communication at every step so you always know exactly where your loan stands.
Schedule a Consultation

Trusted by

Homebuyers & Investors

"Thank you so very much for all your hard work. You answered all of our questions and helped us every step of the way. We're enjoying our new home!"

Chris & Jennifer

Happy Homeowners

"Maria was extremely professional and kept us informed throughout every step of buying our first home."

Armando Cruz

First-Time Homebuyer

"Maria worked hand in hand with us throughout the process. The trust she gave us was priceless."

Deborah Quiros

Homeowner

Get Pre-Qualified Today