Mortgage Loan Originator
in Florida
Maria Velez - NEXA Mortgage
Helping homebuyers, self-employed borrowers,
and real estate investors secure personalized financing solutions with clarity and confidence.
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.
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?
Mortgage Learning Center
& Buyer Resources
Explore practical guides and insights to help you navigate homebuying, refinancing, and property investing.
First-Time Homebuyer Guides
Investor & DSCR Strategies
Refinancing & Equity Solutions
Trusted by
Homebuyers & Investors
— Exceptional Support
"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
— Professional Guidance
"Maria was extremely professional and kept us informed throughout every step of buying our first home."
Armando Cruz
First-Time Homebuyer
— Trusted Every Step
"Maria worked hand in hand with us throughout the process. The trust she gave us was priceless."
Deborah Quiros
Homeowner
Frequently Asked Questions About Home
Financing in Florida
What types of loans do you offer?
I offer a wide variety of financing solutions including FHA, VA, Conventional, Jumbo, DSCR, Non-QM, and refinancing programs tailored to primary residences, second homes, and investment properties.
How do I get pre-qualified for a mortgage?
You can get started online in just a few minutes by submitting your basic income and asset information, or by scheduling a direct consultation with me to review your options.
How long does the mortgage process usually take?
On average, closing a mortgage takes between 21 to 30 days from contract acceptance, depending on the loan program and how quickly documentation is provided.
Can you help self-employed borrowers or investors?
Yes! Through Non-QM and DSCR loan programs, self-employed individuals can qualify using bank statements, and real estate investors can qualify based on rental property cash flow without showing personal tax returns.
Ready to Start Your Homeownership Journey?
Take the first step toward securing your home loan with expert, transparent guidance.
Maria Velez | Mortgage Loan Originator | NMLS #2498071
NEXA Mortgage, LLC | Company NMLS #1660690
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