Robert Love - Nexa Mortgage

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Robert Love - Nexa Mortgage Mortgage pro serving Panama City Beach and Pittsburgh and Iowa. Licensed in FL, PA, IA. NMLS #1822113 It's a pretty rad product.

Originally from PA, now helping clients in both markets with home loans, refinancing, and creative financing options. Mortgage Advisor and Recruiter with NEXA Mortgage, I'm certified in a revolutionary mortgage product. It allows borrowers to pay principal first, and interest is collected the following month. The design allows for borrowers to save tens of thousands of dollars in interest costs and pay off sooner.

10/16/2026

Realtors, are you discussing alternative financing options with your buyers before they start shopping?

Most buyers are familiar with conventional, FHA, and VA loans. But what about the self-employed buyer with substantial cash flow and significant business deductions? Or the investor looking to add another rental property to their portfolio?

These buyers may have options well beyond traditional mortgage programs. Bank statement loans, DSCR financing, and asset-based qualification programs can open up additional possibilities. And in many cases that means greater purchasing power, not simply helping someone who could not qualify through conventional channels.

The recommendation is simple: bring your mortgage advisor into the conversation early, especially when a buyer’s financial situation is more complex than a W-2 and two years of tax returns.

If you have a client who could benefit from a different financing strategy let’s talk.

Robert Love. 515-805-8870.

10/15/2026

Most people think there are only a few ways to qualify for a mortgage. There is an entire category of home loans most consumers have never heard of.

It is called non-QM, which stands for non-qualified mortgage. And before the name throws you off it does not mean you are an unqualified borrower. It simply means the loan falls outside certain traditional mortgage guidelines.

Here is what that actually looks like in practice.

If you are self-employed we may be able to use your bank statements instead of tax returns to establish qualifying income. If you are a real estate investor we may be able to qualify you based primarily on your property’s rental income. And if you have substantial assets but limited traditional income there are programs designed specifically around that situation.

How you earn and manage your money matters. And the right financing strategy can potentially improve your purchasing power in ways a traditional mortgage simply cannot.

If you are considering buying or refinancing do not limit yourself to the programs you have always heard about. Message me and let’s explore your options together.

Robert Love. 515-805-8870.

10/14/2026

A rental property can look like a great investment until you run the financing numbers.

I’ve seen investors focus heavily on purchase price, potential appreciation, and projected rental income.

But the financing structure can change the economics of the entire deal.

Here’s something Realtors working with investors should understand:

With DSCR financing, qualifying may be based primarily on the property’s rental income rather than the borrower’s personal employment income or tax returns.

That creates opportunities for investors who own multiple properties, are self-employed, or prefer not to qualify through traditional income documentation.

But there’s an important distinction.

Just because a property qualifies for financing doesn’t necessarily mean it’s a good investment.

Investors still need to consider taxes, insurance, maintenance, vacancies, financing costs, and actual cash flow.

A property that looks attractive on paper can become a very different investment once those expenses are considered.

That’s why I believe financing should be part of the conversation before an investor makes an offer, not after.

Realtors: If you’re working with investors, I’m happy to help evaluate the financing options before they commit to a property.

Sometimes the right financing strategy can make the difference between a deal worth pursuing and one worth walking away from.

10/14/2026

Realtors here is something worth remembering this week.

If one of your buyers gets turned down for financing do not assume the deal is dead. The issue may simply be that they are being put into the wrong mortgage product.

This comes up frequently with business owners, real estate investors, people with substantial assets, and borrowers whose income does not fit traditional underwriting guidelines. There are non-QM programs that can potentially qualify borrowers using bank statements, assets, property cash flow, and other alternative documentation methods.

Before you send that buyer back to the sidelines for six months or a year give me a call. I will take a second look at the file and tell you whether there is another path forward.

Sometimes the difference between a dead deal and a closing is simply knowing where else to look.

10/13/2026

Closing costs might be about to get cheaper and this is worth paying attention to.

FHFA Director Bill Pulte is expected to announce as soon as today that Fannie Mae and Freddie Mac will only require credit reports from two bureaus instead of three. Fewer reports means lower costs for buyers and it could take effect within one to three months. This is especially good news for first-time buyers and anyone with thin credit who has been sitting on the sidelines.

Now pair that with what else is happening in the market.

Rents just posted their biggest annual jump since April 2025, up 2.7 percent to $1,932 a month, while home values barely moved. That gap is widening in favor of buying.

Yes rates jumped this week. But that is making sellers more flexible on credits, buydowns, and pricing. Buyers are adapting too with adjustable-rate mortgages climbing to 8.1 percent of applications.

The market is shifting and prepared buyers are the ones winning right now.

Send your buyers my way early and I will run the payment scenarios that keep your deals alive.

10/12/2026

What if the money flowing through your checking account could reduce your mortgage interest every single day without changing how you manage your money?

There is a home financing strategy more people should know about. It is called the Equity Accelerator.

Unlike a traditional mortgage your income and deposits flow directly into your home loan account. Every deposit immediately reduces your principal balance because interest is calculated daily. The lower your balance on any given day the less interest accumulates that day. When you use those funds for normal expenses the balance adjusts accordingly.

There is another significant difference. There is no traditional scheduled principal and interest payment. The only required payment is the interest that accumulated during the previous month. That comes out of your account 20 days after the prior month closes.

Meanwhile your deposits and positive monthly cash flow work continuously against your principal in the background. You do not need to change how you spend or manage your money. You are simply changing where your money sits when you are not using it.

For financially disciplined borrowers with strong credit, reserves, and positive cash flow this can create significant potential to reduce both the time and total interest cost of owning a home while maintaining full access to available equity.

If you have never heard of this you are not alone.

Message me the word ACCELERATOR and I will show you how it works.

Robert Love. 515-805-8870.

10/09/2026

Business owners this one is for you.

If you own your own business and your tax returns show every legitimate write-off in the book traditional lenders often cannot see your real income. The profit and loss only loan was built to fix exactly that.

Here is how it works. Instead of using tax returns you qualify based on a profit and loss statement prepared by your CPA or licensed tax preparer. That statement shows your true business performance and actual cash flow. You get to keep maximizing your tax strategy while still qualifying for the home, investment property, or refinance you actually want.

Profit and loss only loans typically offer competitive rates, flexible down payment options, and the ability to close in your personal name or through an entity.

This is a total game changer for consultants, contractors, real estate professionals, and anyone running their own show.

Text, call, or DM me to see if a profit and loss only loan is right for you.

Robert Love. 515-805-8870.

10/09/2026

Most homeowners focus on their mortgage interest rate. Very few think about how their daily cash flow affects the interest they pay.

And I think that’s a conversation worth having.

With a traditional mortgage, you make your scheduled monthly payment, and the loan follows an amortization schedule that can stretch 30 years.

But what if the income you already receive could help reduce your outstanding mortgage balance throughout the month, rather than sitting in a separate checking account waiting to be spent?

That’s the concept behind a mortgage strategy called Equity Xcelerator.

Deposits immediately reduce the outstanding loan balance, and because interest is calculated daily, those deposits can reduce interest costs for as long as the funds remain in the account.

You continue paying your normal living expenses while maintaining access to available funds.

There’s no traditional scheduled principal-and-interest payment. Instead, monthly interest is due, and your positive cash flow can drive the principal reduction.

For homeowners with strong credit, adequate reserves and consistent positive cash flow, this can create the potential to pay off mortgage debt significantly faster without committing to a larger scheduled principal payment.

The real opportunity isn’t necessarily changing how much money you earn or spend. It’s changing how that money works between paychecks and expenses.

If you’re curious how this compares with a traditional mortgage, message me. I’ll walk you through the numbers.

10/08/2026

Self-employed business owners this one is for you.

If you have ever been frustrated trying to qualify for a mortgage because your tax returns show all your legitimate business write-offs you need to know about bank statement loans.

Here is how it works. Instead of qualifying off your tax returns lenders use 12 or 24 months of your business or personal bank statement deposits to calculate your actual income. That means you get to keep maximizing your tax strategy and lowering your tax bill while still qualifying for the home or investment property you actually want.

This is a total game changer for entrepreneurs, real estate agents, consultants, freelancers, and anyone who runs their own show.

Bank statement loans typically come with competitive rates, flexible down payment options, and the ability to close in your personal name or through an entity.

If traditional lenders have told you no this could be the loan that finally says yes.

Text, call, or DM me to see if a bank statement loan is the right fit for you.

Robert Love. 515-805-8870.

10/07/2026

If you are a successful entrepreneur, business owner, professional, or investor with a complex financial picture traditional lending was not built for you. And that is not a problem. It is exactly where non-QM lending comes in.

K-1 income, deferred compensation, stock-based compensation, multiple business entities, real estate holdings, diversified investment accounts. These are the income structures that traditional lenders struggle to underwrite. Non-QM lending was built specifically for borrowers like you.

The programs available include asset depletion loans, asset-based loans, bank statement loans, profit and loss loans, and jumbo non-QM options that qualify you based on your real financial strength rather than forcing your financial life into a traditional box.

That means you can purchase your dream home, a second home, or an investment property on terms that actually reflect who you are financially.

As your trusted mortgage advisor I take the time to understand every layer of your financial picture and design a strategy that fits your goals with total clarity.

Text, call, or DM anytime for a private consultation.

Robert Love. 515-805-8870.

Address

Cranberry Township
Butler County, PA
16066

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm
Saturday 9am - 3pm

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+17248318100

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