Damain Johnson at NEXA Mortgage

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Hazelwood, MO
Damain Johnson at NEXA Mortgage

Providing opportunities for hassle free mortgages for buying or refinancing a home throughout AL, AZ, FL, LA, MD, MO, TN, TX, & VA. Buying a home is a big deal.

I provide my realtors and clients with the Best Quality Service from the beginning, to end. My knowledge and experience in the industry has a proven track record with constant communication through every stage. I make closing easy so you can enjoy the home buying experience; and, or meeting your refinancing goals. Vast knowledge of the Mortgage & Banking Industry to handle all of customers' bankin

g needs to refinance or purchase a home residence or investment home. With our network of real estate professionals, memberships, affiliations and lenders, we can leverage our industry connections and knowledge and experience to negotiate for you the best deal possible. Give me a call before you start home shopping. I'll check on how much you can afford and help you find the right loan that fits your budget and your family. So whether you’re looking to find a lender to finance an investment property or you just want to know what your house could sell for, Damain Johnson at NEXA Mortgage. has your needs covered. You can contact me at 304-552-9809, so we can get started today! Damain Johnson | NMLS #2135302

NEXA Mortgage LLC | NMLS #1660690 | AZMB #0944059 | 3100 W Ray Rd STE 201, Office 209 Chandler, AZ 85226

01/12/2026

🚀 New Instant-Approval HELOCs Are Here!

Tap into your home’s equity with a fast, flexible HELOC option.
Borrow up to 85% CLTV in 1st or 2nd position (3rd position available) and up to 70% CLTV on investment properties.
Qualify with FICO scores as low as 600—and get an answer fast.

🔗 Link in comments

✔ Approval in 5 minutes or less
✔ Funding in 5–7 days
✔ No appraisal required
✔ Soft credit pull
✔ Low closing costs

12/23/2025

🚨 Investor Financing When Banks Say NO 🚨

Non-QM DSCR options available — qualify based on property cash flow, not tax returns.

✔️ First-time investors allowed
✔️ Bank statements & 1099 income accepted
✔️ Up to 90% LTV | Loans up to $2M
✔️ Primary, second homes & investment
✔️ ITIN eligible

Programs subject to guidelines and approval.
📩 DM me to discuss your scenario.

11/20/2025

⏳ December 31st is coming fast — and a few smart moves can make a real difference on your mortgage-related taxes.

Here are 4 year-end tips homeowners should know:

1️⃣ Prepay January’s mortgage payment
If you pay it before 12/31, the extra interest gets counted on this year’s tax return — not next year’s.

2️⃣ Refinancing? Consider a late-December close
Closing in December can shift deductible points/closing costs onto this year’s taxes instead of waiting another 12 months.

3️⃣ Property taxes
If you don’t escrow, paying your Q1 tax bill before year-end may give you an additional deduction. (Check your state rules first.)

4️⃣ Did you take cash-out for home improvements?
Keep those receipts. Interest is typically deductible if the funds went back into improving the property.

⚠️ Timing matters. Same expenses — different tax year — different outcome.

Always talk to your CPA before making any moves… but waiting until January means the window may close.

If you have questions about your mortgage or upcoming refinance, I’m here to help.

11/12/2025

🎉 Clear to Close! 🎉
I wish every file was this smooth — everything came together perfectly!

The Baker family’s loan was cleared to close early, and they even have the option to move their closing date up if they’d like. 💪

Huge shoutout to my amazing borrower (absolute dream to work with!) and to everyone involved for making this such a seamless experience from start to finish. 👏🏡

11/10/2025

🏡 I don’t post every “Under Contract” like I should… but this one deserves it.

A few weeks back, my buyer went under contract…then out of nowhere, Thursday night, the underwriter dropped the bomb:

“We’re unable to move forward.” 😳

Friday morning, I tried again to get answers… nothing.
So, I pivoted fast …found a new lender, got a TBD review, submitted the full file ….and today? ✅ Approved with solid conditions!

This is exactly why it’s so important to work with a mortgage broker. We’re not locked into one bank or one option …when a lender says no, we find one who says yes.

Always finding a way to win for my clients 💪

11/09/2025

🚨 President Trump is talking about 50-year mortgages 👀

The idea is to help younger buyers get into homes with lower monthly payments, just like FDR helped make the 30-year mortgage standard decades ago.

**Here's what that would look like in AZ
• $900k purchase | 10% down
• 30-yr all-in ~ $6,200/mo
• 50-yr ~ $5,600/mo (save ~ $600)... but add ~20 extra years + about ~$900k more interest
My move instead: spend ~$20k on a 2-point buydown to drop ~6.5% → ~5.5% and land around the same ~$5,600/mo-without tacking on 20 more years.**

11/07/2025

🚨 Fannie Mae Update 🚨
The 620 credit score minimum is gone starting Nov 16, 2025!

But here’s the part most people miss:
Many lenders still use overlays — their own extra rules.

✅ We don’t.
We go straight off Fannie Mae’s guidelines — no added restrictions.
Same for FHA, VA, and USDA.

If you’ve been told no, let’s see if we can turn it into a yes.

11/05/2025

🚨 Breaking News for Investors & Builders! 🚨

Introducing the FIRST-EVER DSCR One-Time Close Construction-to-Perm Loan! 🏗️💥

✅ One closing. One loan. Endless possibilities.
Now you can fund your new build and roll right into your long-term rental loan — no income docs, no juggling multiple lenders.

Why this program changes the game:
• Qualify using projected market rents, not W-2 income.
• Covers SFR, PUDs, 2–4 units, and modular builds.
• Loan amounts up to $2M (min FICO 680 | max 75% LTV | min DSCR 1.0).
• Works for short-term and long-term rentals (Airbnb, VRBO, etc.).
• Land purchase can be rolled in.
• Gift funds allowed. Experienced investors only.
• True draw process with full in-house builder oversight for a smoother project start-to-finish.

For the first time ever, investors can do construction-to-perm under DSCR guidelines—with zero income docs required.

📲 Let’s build your next deal together!
Text or call 304-552-9809 to strategize and check current rates.

11/02/2025

There’s a reason DSCR loans are one of my go-to products.

Client: “I’m looking to buy an investment property, but I’m not sure I’ll qualify with my current bills. My credit score’s good and I’ve got 20% to put down.”

Me: “Perfect. I don’t need your tax returns or income docs. You’ve got money and great credit—you qualify.”

Client: “Wait… that’s it?”

Pretty much. Once we see the appraisal and the estimated monthly rent, that’s it.

Doesn’t get much easier than that. 🔑 🏠

10/30/2025

Yesterday’s Fed rate cut announcement had many expecting better rates — but instead, most lenders repriced for the worse (see my inbox 👇).

I’m beyond thankful for the clients who trust me to make these timing decisions on their behalf.
I don’t have a crystal ball 🪩, but locking before the Fed meeting turned out to be the right call this time.

In this market, it’s not just about rates — it’s about strategy, timing, and experience.
Grateful to help my clients win on all three. 🙏

10/22/2025

Hard work pays off! Our buyer, who started the journey back in March, just got under contract under asking with seller concessions! Huge thanks to my agent partner for going above and beyond for our client. Teamwork makes it happen! 👏🏡

09/22/2025

🏡 𝗙𝗼𝗿 𝘁𝗵𝗲 𝗪𝗲𝗲𝗸 𝗼𝗳 𝗦𝗲𝗽𝘁𝗲𝗺𝗯𝗲𝗿 𝟮𝟮, 𝟮𝟬𝟮𝟱

𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗥𝗲𝗰𝗮𝗽: 𝗥𝗮𝘁𝗲𝘀 𝗺𝗼𝘃𝗲𝗱 𝘀𝗹𝗶𝗴𝗵𝘁𝗹𝘆 𝗵𝗶𝗴𝗵𝗲𝗿 👎
The week started off promising, with rates improving early on. But after the Fed meeting and Chair Powell’s press conference, markets reacted negatively, and mortgage rates finished the week a bit higher. Since the Fed cut had already been priced in, rates moved up when Powell signaled the Fed wouldn’t be aggressive with future cuts.

𝗧𝗵𝗶𝘀 𝗪𝗲𝗲𝗸'𝘀 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗥𝗮𝘁𝗲 𝗙𝗼𝗿𝗲𝗰𝗮𝘀𝘁: 𝗥𝗮𝘁𝗲𝘀 𝗰𝗼𝘂𝗹𝗱 𝗰𝗿𝗲𝗲𝗽 𝗵𝗶𝗴𝗵𝗲𝗿 👎
Mortgage rates currently reflect two more Fed cuts at the remaining meetings for 2025. But if Fed members speaking this week shake confidence in those cuts, mortgage rates could drift upward.

📈 𝗪𝗵𝗮𝘁’𝘀 𝗮𝗳𝗳𝗲𝗰𝘁𝗶𝗻𝗴 𝗿𝗮𝘁𝗲𝘀 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸:
- Economic data: There isn’t much data this week to influence mortgage rates, and what little there is comes late in the week. The Fed’s favored inflation gauge, the personal consumption expenditures (PCE) index, is unlikely to surprise and isn’t expected to move mortgage rates much either way.
- Fed speakers: This week is filled with Fed members making appearances and sharing their outlook on the economy and policy. If their comments make traders doubt the expected Fed cuts, mortgage rates could creep higher.

Address

Hazelwood, MO
63042

Website

http://www.DJMLO.com/, https://linktr.ee/djmlo

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