Financing by Todd / Nexa Mortgage

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Financing by Todd / Nexa Mortgage Loan Officer
NMLS # 1192274

www.NEXAMortgage.com
NMLS Consumer Access Link:
https://nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1660690

Corporate Address:
3100 W Ray Rd STE 201 Office # 209, Chandler AZ 85226
Corporate NMLS #: 1660690

10/15/2026

Homebuyers Gain More Options as Mortgage Demand Eases
We're seeing a significant shift in mortgage demand, with overall activity down 14.1% as the market contraction extends into its fifth month. In August, refinancing requests dropped 12% compared to last year—existing lender refis were hit hardest, down 22.8%, while those switching lenders saw a smaller decrease of 1.1%. It’s interesting to note the regional differences: New South Wales experienced the largest dip at 15.9%, while Western Australia was less affected at 10.4%. Younger borrowers in particular are feeling the impact with the steepest declines. As someone who focuses on conventional, FHA, VA, and USDA home loans, I’m continually monitoring these trends to help clients make informed decisions in a changing landscape.

10/14/2026

Mortgage Refinancing Myths and Costs to Check | Call me with any questions.
Refinancing is a powerful tool, but there are a few common misconceptions I see in my work as a Senior Loan Officer at NEXA Mortgage. It’s essential to collect at least three same-day quotes and compare the APRs—not just the interest rates—to get a true sense of lender fees and negotiating power. Don’t forget, refinancing isn’t free: closing costs typically range from 2% to 5% of your new loan, so it’s smart to calculate your break-even point before deciding to move ahead. While a lower rate is appealing, starting over with a fresh 30-year term can actually increase the total interest you’ll pay over time. Refinancing replaces your original mortgage lien with a new one, so it shouldn’t create obstacles if you decide to sell later, but be especially careful if you’re considering a cash-out option. A credit check is part of the process, and having a strong score and a debt-to-income ratio under 36% can help you access the best possible offers. Even if you’ve been denied before, improving your financial profile can open new opportunities to refinance in the future.

10/14/2026

States Where Homeowners Have Most Home Equity
As someone who helps clients navigate the mortgage process every day, I find it fascinating how much home equity can contribute to a household’s overall financial picture. In 10 states, homeowners’ equity often rivals or even surpasses their entire net worth. Hawaii tops the list, with the average homeowner holding $600,000 in equity and a net worth of $692,700. California follows close behind, with $550,000 in equity and $273,800 net worth. It’s a powerful reminder of the role that homeownership—and the right loan options—can play in building long-term financial security.

10/11/2026

Honoring the Significance of Indigenous Day | Call me with any questions.

How to Buy a Foreclosed HomeThinking about buying a foreclosed home? There are a few paths to consider—whether that’s th...
10/08/2026

How to Buy a Foreclosed Home
Thinking about buying a foreclosed home? There are a few paths to consider—whether that’s through a short sale, an auction, or a direct bank-owned purchase. With foreclosure filings up 21%, there’s a larger pool of options out there. But it’s not just about finding the right property. Getting preapproved is crucial to stand out, especially when you’re up against cash buyers. Keep in mind, these properties are sold “as is,” with limited inspections and sometimes extra buyer premiums at auction. As someone who specializes in a wide range of home loan programs, I’ve seen how preparation can make all the difference in navigating this unique process.


https://www.roomvu.com/agent-news/todd-brefeld/2077850-How-to-Buy-a-Foreclosed-Home

10/07/2026

US Mortgage Refinance Myths to Know | Call me with any questions.
There are plenty of misconceptions floating around about refinancing your mortgage, and I often get questions about what really matters in the process. One key point: always pull at least three quotes on the same day and compare APRs—not just rates—so you can see the true cost including lender fees. This gives you real negotiating power. Remember, refinancing isn’t free. Expect closing costs to be about 2% to 5% of your new loan amount, so it’s important to calculate your break-even point before you take the next step. Also, a lower rate doesn’t always mean you’ll save money, especially if you’re starting a new 30-year term, which can increase your total interest paid over time. When you refinance, you’re simply swapping your old primary lien for a new one, so it shouldn’t complicate selling your home down the line. Cash-out options are available, but they do require some extra consideration. And yes, your credit will be checked—strong credit and a debt-to-income ratio below 36% are key for the best offers. Even if you’ve been denied before, it’s often possible to improve your profile and reapply. As someone who’s helped many Oregonians navigate these waters, I know that a thoughtful approach can make all the difference.

Current Washington Mortgage And Refinance RatesStaying current on mortgage and refinance rates is essential when plannin...
10/06/2026

Current Washington Mortgage And Refinance Rates
Staying current on mortgage and refinance rates is essential when planning your next home purchase or considering a refinance. Right now, the average 30-year mortgage rate in Washington has moved up to 7.125%, rising by 0.297 points in just the past week and 0.668 points over the last 90 days. Similarly, the 30-year fixed refinance rate climbed to 7.188%. As a Senior Loan Officer with experience in conventional, FHA, VA, and USDA loans, I keep a close eye on these market trends to help guide clients through their options as rates shift with the broader economy.


https://www.roomvu.com/agent-news/todd-brefeld/2073836-Current-Washington-Mortgage-And-Refinance-Rates

10/01/2026

How to Benefit If Mortgage Rates Drop Before Closing
Ever locked in a mortgage rate, only to see rates dip before closing on your new home? There are ways to navigate this situation. One option is a rate float-down: for a fee, some lenders will let you lower your locked rate if market rates fall. However, the details and costs vary by lender, and sometimes the timing or expenses may outweigh the potential savings. Other possibilities include switching lenders or considering a refinance if rates drop significantly. Having spent years helping clients with conventional, FHA, VA, and USDA loans at NEXA Mortgage, I know these decisions can feel complex—but understanding your options can make a real difference in your home financing experience.

Down Payment Assistance: Do You Qualify for Help?Navigating the world of down payment assistance can open doors for many...
09/30/2026

Down Payment Assistance: Do You Qualify for Help?
Navigating the world of down payment assistance can open doors for many first-time buyers, and it’s something I help clients explore every day as a Senior Loan Officer here in Oregon. There are more than 2,700 programs out there—ranging from $5,000 up to $150,000—specifically designed to support first-time homebuyers. Eligibility varies by program, but typically factors in your income (usually 80% to 150% of the area median), credit score, homebuyer education, and sometimes purchase price limits. These opportunities come from state, local, federal, nonprofit, and even employer sources. Knowing which options fit your situation can be the difference between waiting and moving into your own home. My focus is connecting clients with the right loan products and guiding them through the process, so they’re empowered to make confident decisions.


https://www.roomvu.com/agent-news/todd-brefeld/1974866-Down-Payment-Assistance%3A-Do-You-Qualify-for-Help%3F

Address

4130 SW 117th Avenue
Beaverton, OR
97005

Opening Hours

Monday 8am - 7pm
Tuesday 8am - 7pm
Wednesday 8am - 7pm
Thursday 8am - 7pm
Friday 8am - 7pm
Saturday 8am - 7pm
Sunday 8am - 7pm

Telephone

+15035054346

Website

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