Nancy Esquivel - NEXA Lending - NMLS #203852

Nancy Esquivel - NEXA Lending - NMLS #203852 NEXA Lending, LLC BK
Lic #2006218 NMLS #203852 I have been a Professional Loan Originator for 25 years. Experience and passion is what I bring to the table.

Arizona native and ASU graduate, Mortgage Loan Officer since 1998 helping buyers make confident informed financing decisions through clear communication and smooth closings. I started this profession when my son was a year old seeking a career with some flexibility being a working mom. Born and raised in Arizona, I graduated ASU with a BS in Human Resource Management. Working with people is my fo

rte, making people homeowners is my dream job. Dreams do come true! NEXA Mortgage NMLS #2289

Equal Housing Opportunity

www.nmlsconsumeraccess.org/
LO state license # 203852, Arizona Mortgage Banker License #0910340

A buyer comparing two loan offers should ask for the Loan Estimate and look past the headline number. Fees, lender credi...
09/08/2026

A buyer comparing two loan offers should ask for the Loan Estimate and look past the headline number. Fees, lender credits, points, and escrow settings can change the total cost, especially if you expect to move or refinance before long.

One common mistake is waiting until contract time to verify the paper trail. Gift funds, 1099 income, and self-employmen...
09/07/2026

One common mistake is waiting until contract time to verify the paper trail. Gift funds, 1099 income, and self-employment deposits can all trigger extra questions, so gather bank statements, tax returns, and any gift-letter paperwork before the file reaches underwriting.

For a borrower with strong income but thin savings, FHA can be a useful way to compare options because the upfront cash ...
09/06/2026

For a borrower with strong income but thin savings, FHA can be a useful way to compare options because the upfront cash picture is different from conventional financing. The key is to ask how much is needed for closing, reserves, and any mortgage insurance before you get attached to one property. That conversation helps prevent a last-minute surprise.

What changes the conversation fastest is whether the home has enough equity and whether the repair is cosmetic or struct...
09/05/2026

What changes the conversation fastest is whether the home has enough equity and whether the repair is cosmetic or structural. A roof replacement, for example, may point toward a different loan setup than new cabinets, and an FHA 203k can be relevant when the work needs to be financed with the mortgage. The useful step is to separate must-do repairs from wish-list upgrades before the application starts. Walk through the steps. https://bit.ly/4pATX5s

If the file includes 1099s, a lender may ask for a different paper trail than it would for a W-2 borrower. That is where...
09/04/2026

If the file includes 1099s, a lender may ask for a different paper trail than it would for a W-2 borrower. That is where many first-time buyers get stuck: they wait until underwriting to organize bank statements, tax returns, and gift-letter paperwork. Get those documents ready early so the review moves with fewer surprises.

What should a military buyer verify first? Make sure the property can pass the VA appraisal and basic property condition...
09/03/2026

What should a military buyer verify first? Make sure the property can pass the VA appraisal and basic property condition review, then confirm the Certificate of Eligibility and funding fee treatment if applicable. That sequence matters more than chasing a house before the file is ready. Walk through the steps. https://bit.ly/4gPQ0Yn

A veteran financing a home with a VA loan should check whether the project changes the property's taxable value, not jus...
09/02/2026

A veteran financing a home with a VA loan should check whether the project changes the property's taxable value, not just the curb appeal. Replacing worn finishes is one thing; adding a bedroom, bath, or permitted addition is another because assessors often review those upgrades differently. Keep the permit records and ask the local tax office how they handle renovations before work starts.

A first-time buyer can lose time by guessing on the paperwork. If your income includes 1099s, a W-2, or gift funds, get ...
09/01/2026

A first-time buyer can lose time by guessing on the paperwork. If your income includes 1099s, a W-2, or gift funds, get those documents organized before underwriting so repairs, financing, and inspection items can be handled without last-minute scrambling.

If the income picture is mixed, the fix is usually documentation, not drama. A self-employed buyer with 1099s and a side...
08/31/2026

If the income picture is mixed, the fix is usually documentation, not drama. A self-employed buyer with 1099s and a side gig may need tax returns, a year-to-date profit-and-loss statement, and bank activity that matches the story on paper. The mistake is waiting until the last minute to gather it all, then finding gaps during underwriting.

A common mistake is treating every property the same when the real question is condition and timing. With a VA purchase,...
08/30/2026

A common mistake is treating every property the same when the real question is condition and timing. With a VA purchase, compare homes that are move-in ready against ones that need work, then separate cosmetic updates from items that could affect appraisal or safety before you write the offer.

Address

5559 S Sossoman Road, Bldg #1 Ste #101
Chandler, AZ
85212

Telephone

+16026193145

Website

Alerts

Be the first to know and let us send you an email when Nancy Esquivel - NEXA Lending - NMLS #203852 posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Nancy Esquivel - NEXA Lending - NMLS #203852:

Shortcuts

Share

Category