Nexa Mortgage - Robert Kovarik NMLS ID# 1745898

09/09/2025

There’s two sides to every story. Which side do you want to be on?

08/04/2025

There are consequences, intended and unintended to every action and inaction; that’s just life.

07/09/2025

Freedom ain’t free and neither is owning a house. Interesting enough, I find they share the same parallels, just not on the same scale.

You won’t find freedom without sacrifice and discipline; even if it gets handed to you, it can be quickly lost without those traits. Same goes for owning a home. You’re not able to save for a down payment without sacrifice and discipline; even if you magically fall into one, without sacrifice and discipline, it will be quickly lost.

06/20/2025

AND ITS BACK! It won’t last forever, nothing good ever does but if you’re on the market to buy; reach out and let’s see if you QUALIFY 🤩

06/20/2025

Buying is a personal choice. A 580 credit scores buyer in 2020 got half the interest rate of an 800 buying today (and the last several years for that matter).

06/19/2025

More Options = More Competitive = More Opportunity

What it means for our clients: Less fees, less time, and less headache.

04/23/2025

Over the last several years, to say homeowners have gained tens of thousands in equity is an understatement.

Unfortunately all that equity is useless unless you sell or.. use a loan to borrow against said equity.

There are 3 main ways to pull equity from your home without selling. 1. Cash out refi 2. Second mortgage/HELOC 3. Home equity agreements

But what is the best for you? Depends on your situation. Low loan balance and high first mortgage rate and not planning taking out a lot? Cash out refi. Higher loan amount with low rate? Second Mortgage/HELOC. Living in forever home on fixed income with no plan to sell or pass down property to family? Home equity agreement.

While these are just blanket statements not meant to serve as financial advice or a mortgage consultation; they are options to be considered but the answer to what is best for your situation will be found in the numbers.

So with no guarantee that you’ll contact me for my assistance, why am I telling you this? Because I believe information should be free and that it will help you make better decisions for your unique situation. I also know that if other lenders do not carry these products, they will not tell you about them. Sales is about selling what you have, not educating others about what options they have available to them.

I’ll do a part 2 on why most of my clients choose a fixed rate HELOC over the traditional HELOCs that we offer. There’s no secret, it just makes sense.

02/04/2025

01/21/2025

I only give advice that I would take myself. That’s why I am so comfortable telling people to shop for the best financing, because that is what I do.

I shop and compare mortgage rates and loan products through a wide variety of different lenders to find my clients the best deals.

The cost of living is too high to leave money on the table. Buy smart, compare and save!

01/21/2025

How can you be sure a refinance is working in your best interest?

Define your goal. Save Money vs. Leverage Equity?

Save Money; divide loan cost by monthly savings for ‘months to break even’ analysis. Compare break-even to current rate trends. If rates should be coming down, target lower break even points. If rates are increasing or expecting to rise, higher break even points are acceptable.

Leverage Equity; Cash Out Refinance vs Second Mortgage (HELOAN, HELOC). Does your first lien have a large balance with a lower interest rate and you need less than 100k? A second mortgage will likely be right for your situation. What if you have a low balance on your first mortgage and need to pull a lot of equity? A Cash Out Refinance will likely be far more advantageous compared to the higher interest rates of second liens.

While this is all great blanket advice, the best way to know what is right for you is to let the numbers speak for themselves. Allow me to show you your options so you can focus on the big decision- what route best fits your long and short term goals.