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SD-Mortgage NMLS # 1440346
https://nmlsconsumeraccess.org/TuringTestPage.aspx?ReturnUrl=/EntityDetails.aspx/COMPANY/1660690

Mortgage Advisor at NEXA Mortgage
https://sdimortgage.com/
NMLS 1440346
📱(980) 499-7181
Nexa Mortgage LLC NMLS # 1660690
Equal Housing Lender
3100 W Ray Rd STE 201 Office # 209, Chandler AZ 85226.

10/10/2026

Financing furniture before closing can change your mortgage qualification. Before adding that payment, talk with the loan officer handling your purchase.

A new monthly debt payment can change what you qualify for on a conventional mortgage, and lenders may check credit again before closing. If you've already added debt, tell your loan officer promptly, even if it hasn't shown up on your credit report yet.

DM me about your homebuying plan.

General education, not a loan offer. Loan terms and eligibility vary.

Serghei Dragni | NMLS #1440346
SDI Mortgage Team | Powered by NEXA

Your mortgage rate stayed fixed. Your monthly bill went up.That can happen when property taxes or homeowners insurance i...
10/10/2026

Your mortgage rate stayed fixed. Your monthly bill went up.

That can happen when property taxes or homeowners insurance increase. The principal-and-interest portion of a typical fixed-rate mortgage stays steady, but the escrow portion can change.

There can be two separate changes in that escrow amount:

1. More money for upcoming bills. Your servicer updates what it expects to pay for taxes and insurance.
2. Money to make up an escrow shortage. If the analysis shows your account is below its target balance, your new payment may also include a shortage repayment amount.

That is why the increase may be larger than you expected from the new tax bill alone.

Before assuming the mortgage rate changed, compare your old and new escrow analyses. Check the tax bill, insurance premium, projected payments and any shortage listed. Ask the servicer to explain amounts that do not match your records.

DM me “ESCROW” if you want help understanding which part of your housing payment changed. Please don't send account numbers or private statements in social DMs.

General education, not a loan offer. Review your loan documents and escrow analysis; applicable rules vary.

Serghei Dragni | NMLS #1440346
SDI Mortgage Team | Powered by NEXA

Sources: https://www.consumerfinance.gov/ask-cfpb/why-did-my-monthly-mortgage-payment-go-up-or-change-en-213/ and https://www.consumerfinance.gov/rules-policy/regulations/1024/17/

10/10/2026

Your rental loan's prepayment terms should fit your plan to sell or refinance. When comparing DSCR financing, look at the expected holding period alongside the written loan terms.

Some rental-property loans charge for early payoff. Check whether a sale or refinance triggers a penalty, when the penalty period ends, and how the amount is calculated.

DM me about your rental financing plan.

General education, not a loan offer. Loan terms and eligibility vary.

Serghei Dragni | NMLS #1440346
SDI Mortgage Team | Powered by NEXA

10/09/2026

Some down-payment assistance has to be repaid later.

Assistance can be structured as a loan, and forgiveness may depend on meeting specific conditions. Selling, refinancing, transferring the home or no longer living there can trigger repayment in some programs. The details are program-specific.

Before accepting help, get clear written answers:
• Is repayment required, deferred or conditionally forgiven?
• What events make the balance due?
• What conditions must you meet for forgiveness?

Match those rules to your plans for the home. Do not assume that every program works the same way.

DM me “DPA” to talk through what to check.

Serghei Dragni | NMLS 1440346
SDI Mortgage Team, powered by NEXA
[email protected]
Office: 980-499-7181 | Direct: 916-225-5633

General education. Program availability, terms and eligibility vary. Not a loan commitment.

The down payment is only one part of the money you may need at closing.Start with “Estimated Cash to Close,” then review...
10/09/2026

The down payment is only one part of the money you may need at closing.

Start with “Estimated Cash to Close,” then review the “Calculating Cash to Close” section of your Loan Estimate.

Check these items:

• Down payment/funds from borrower: confirm the amount shown and how any approved assistance is reflected.
• Total Closing Costs: review loan costs, services, prepaid items and initial escrow funding. On the Loan Estimate, this total already reflects lender credits.
• Deposit already paid: confirm your earnest-money deposit is credited correctly.
• Seller credits and other adjustments: check the amounts and how they affect the cash-to-close calculation.

Do not subtract lender credits again from Total Closing Costs. Lender credits may come with a higher interest rate, so compare the full terms.

Closer to closing, compare your Closing Disclosure with your latest Loan Estimate. Ask about any changes and confirm the final cash-to-close figure. Keep a separate budget for moving and costs after you get the keys.

DM me “CLOSE” to talk through the cash-to-close questions. Please do not send account numbers or financial documents in a social-media message.

Serghei Dragni | NMLS 1440346
SDI Mortgage Team, powered by NEXA
[email protected]
Office: 980-499-7181 | Direct: 916-225-5633

General education. Costs, credits, terms and eligibility vary. Not a loan commitment.

10/09/2026

Overstated rent can change a rental property's financing picture.

For a DSCR rental loan, the lender may review the lease, the appraiser's market rent estimate, or both when deciding which rent figure qualifies. A seller's advertised rent does not establish the amount the program will accept.

Before relying on that estimate, ask:
• Which rent figure will be used?
• What documents support it?
• What happens if the lease and market rent differ?

Rules vary by lender, property and loan purpose. A rent estimate is not a promise of approval or future rental income.

DM me “DSCR” to talk through the rent questions for your investment.

Serghei Dragni | NMLS 1440346
SDI Mortgage Team, powered by NEXA
[email protected]
Office: 980-499-7181 | Direct: 916-225-5633

General education. Loan terms and eligibility vary. Not a loan commitment.

Before you fall in love with a home, build the monthly budget.A payment calculator may show only principal and interest....
10/08/2026

Before you fall in love with a home, build the monthly budget.

A payment calculator may show only principal and interest. Your housing costs can also include:
• Property taxes
• Homeowners insurance
• Mortgage insurance, such as PMI, if required
• HOA dues
• Flood insurance, where applicable

To estimate an annual expense, divide by 12. For example, $3,600 in annual property taxes means budgeting $300 a month. That’s a tax estimate, not a mortgage payment quote.

Check what’s already included. If your payment includes escrow for taxes and insurance, count those costs once. HOA dues are usually separate.

Leave room for utilities, repairs and maintenance. Taxes and insurance can change, so your total payment may change too.

DM me “PAYMENT” and let’s walk through the full monthly picture.

Serghei Dragni | NMLS 1440346
SDI Mortgage Team, powered by NEXA
[email protected]
Office: 980-499-7181 | Direct: 916-225-5633

General education. Costs vary by property and loan. Not a loan commitment.

10/08/2026

Before choosing a HELOC, ask what changes when the draw period ends.

During the draw period, you can borrow against the line, subject to its terms. During repayment, new borrowing usually stops and the balance must be repaid. Payments can increase, and some plans require a lump-sum payoff.

HELOCs usually have variable rates. Ask how rate changes could affect your payment and review the full repayment terms.

Your home secures the debt. Failure to repay could put your home at risk.

DM me “HELOC” to talk through the questions to ask.

Serghei Dragni | NMLS 1440346
SDI Mortgage Team, powered by NEXA
[email protected]
Office: 980-499-7181 | Direct: 916-225-5633

General education. Loan terms and eligibility vary. Not a loan commitment.

10/08/2026

Qualifying for a rental property loan is one checkpoint. Cash flow needs its own review.

Budget for vacancy, repairs, maintenance, property management, taxes and insurance. Then look at what's left after the loan payment. If taxes and insurance are already included in that payment, count them only once.

A lender's DSCR calculation is not a guarantee that a property will make money.

DM me “DSCR” to talk through your rental property's numbers.

Serghei Dragni | NMLS 1440346
SDI Mortgage Team, powered by NEXA
[email protected]
Office: 980-499-7181 | Direct: 916-225-5633

General education. Loan terms and eligibility vary. Not a loan commitment.

10/07/2026

Buying a rental, but your tax returns don’t tell the whole story? Some DSCR programs focus on the property’s qualifying rental income rather than your personal W-2s or pay stubs. Credit, available funds, and the property still matter. Before you make your next move, understand how the rental income and loan payment fit together. DM me “DSCR” to talk through your next investment.

Serghei Dragni | NMLS 1440346
SDI Mortgage Team, powered by NEXA
[email protected]
Office: 980-499-7181
Direct: 916-225-5633

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Charlotte, NC

Telephone

+17049812344

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