09/02/2026
Why go through a broker for your OTC loan?
——
A direct lender can only offer you their own OTC guidelines, their own rates, their own overlays. If your scenario doesn’t fit their box, you’re stuck or you’re starting over somewhere else.
As a broker, I’m not tied to one lender’s rules. I work with a wide network of wholesale lenders, so I can shop your construction scenario across multiple OTC programs and find the one that actually fits your credit, your builder, and your timeline, instead of trying to fit you into whatever one bank happens to offer.
For builders and realtors, that flexibility means fewer deals falling apart because a buyer didn’t fit a single lender’s box.
If you’re a realtor with a builder relationship, or a buyer thinking about building instead of buying, I’m happy to walk through how OTC financing works for your situation.
Mario Ralat | NMLS #2381314 | Nexa Lending
