Loan Options Now

Loan Options Now Arizona home loan options made simple. NMLS # 2094404
NEXA Lending, LLC
NMLS # 1660690
AZBK # 2006218

We help first-time buyers and borrowers with unique income or credit situations explore fast, flexible mortgage options and understand what’s possible. Loan Options Now is operated by:

Bradley Spies
Mortgage Broker
NMLS #2094404

NEXA Lending, LLC
Corporate NMLS #1660690
AZBK # 2006218
5559 S Sossaman Rd, Bldg 1 Ste 101
Mesa, AZ 85212

NEXA Lending, LLC is an Equal Housing Lender. NMLS Consumer Ac

cess
https://nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1660690

Website
https://www.loanoptionsnow.com

Your debt-to-income ratio plays a bigger role in what you qualify for than most people realize. Lenders look at how your...
05/31/2026

Your debt-to-income ratio plays a bigger role in what you qualify for than most people realize. Lenders look at how your total monthly debt — including the new mortgage payment — compares to your gross income. If you're not sure where you stand, that's the first thing we should figure out. Message me and we'll run the numbers. Brad Spies | NEXA Lending | NMLS #2094404 | Company NMLS #1660690 | AZ: AZBK-2006218 | 5559 S. Sossaman Rd. Bldg. 1 #101 Mesa AZ 85212 | [email protected] | 602.536.4990

Down payment assistance isn't just for first-time buyers in Arizona. Some programs are available to repeat buyers depend...
05/30/2026

Down payment assistance isn't just for first-time buyers in Arizona. Some programs are available to repeat buyers depending on the area and current income. If you've owned before but are starting fresh, it's worth a conversation. Program availability and eligibility rules change — what wasn't available last year may be an option today. Message me to get an updated look at what you may qualify for. Brad Spies | NEXA Lending | NMLS #2094404 | Company NMLS #1660690 | AZ: AZBK-2006218 | 5559 S. Sossaman Rd. Bldg. 1 #101 Mesa AZ 85212 | [email protected] | 602.536.4990

I work with buyers at all stages — first purchase, move-up, investment property, or refinance. What they all have in com...
05/29/2026

I work with buyers at all stages — first purchase, move-up, investment property, or refinance. What they all have in common: they want someone who will give them a straight answer and actually follow through. That's what I'm here for. Message me and let's figure out your next move. Brad Spies | NEXA Lending | NMLS #2094404 | Company NMLS #1660690 | AZ: AZBK-2006218 | 5559 S. Sossaman Rd. Bldg. 1 #101 Mesa AZ 85212 | [email protected] | 602.536.4990

Myth: Waiting for rates to drop is always the smart move. Reality: The best time to buy is when you're financially ready...
05/27/2026

Myth: Waiting for rates to drop is always the smart move. Reality: The best time to buy is when you're financially ready and the right property is available. Trying to time the market means competing with a lot more buyers when rates do move. Message me and let's look at what makes sense for your situation right now. Brad Spies | NEXA Lending | NMLS #2094404 | Company NMLS #1660690 | AZ: AZBK-2006218 | 5559 S. Sossaman Rd. Bldg. 1 #101 Mesa AZ 85212 | [email protected] | 602.536.4990

If you've been on the fence about buying, I want to ask you something: What would need to be true for you to move forwar...
05/24/2026

If you've been on the fence about buying, I want to ask you something: What would need to be true for you to move forward this year? Sometimes naming it out loud makes it a lot more achievable. Message me or drop it in the comments — let's talk through it. Brad Spies | NEXA Lending | NMLS #2094404 | Company NMLS #1660690 | AZ: AZBK-2006218 | 5559 S. Sossaman Rd. Bldg. 1 #101 Mesa AZ 85212 | [email protected] | 602.536.4990

Closing costs are one of the most misunderstood parts of buying a home. They typically run between 2-5% of the loan amou...
05/24/2026

Closing costs are one of the most misunderstood parts of buying a home. They typically run between 2-5% of the loan amount and cover things like title, appraisal, lender fees, and prepaid items. Some of these can be negotiated or rolled into the loan depending on your situation — but you need to know your options before you get to the table. Message me and I'll walk you through what to expect. Brad Spies | NEXA Lending | NMLS #2094404 | Company NMLS #1660690 | AZ: AZBK-2006218 | 5559 S. Sossaman Rd. Bldg. 1 #101 Mesa AZ 85212 | [email protected] | 602.536.4990

If you're in a public service profession — healthcare, education, law enforcement, or similar — there may be specific as...
05/23/2026

If you're in a public service profession — healthcare, education, law enforcement, or similar — there may be specific assistance programs designed for you. Arizona has options that recognize the contributions of people who serve their communities. These programs have specific eligibility requirements and availability can change. Message me and I'll walk you through what's out there. Brad Spies | NEXA Lending | NMLS #2094404 | Company NMLS #1660690 | AZ: AZBK-2006218 | 5559 S. Sossaman Rd. Bldg. 1 #101 Mesa AZ 85212 | [email protected] | 602.536.4990

The lending process doesn't have to be complicated. My job is to make sure you understand every step — what's happening,...
05/22/2026

The lending process doesn't have to be complicated. My job is to make sure you understand every step — what's happening, why it matters, and what to expect next. You shouldn't feel confused or left in the dark when you're making one of the biggest financial decisions of your life. Message me and let's talk through it. Brad Spies | NEXA Lending | NMLS #2094404 | Company NMLS #1660690 | AZ: AZBK-2006218 | 5559 S. Sossaman Rd. Bldg. 1 #101 Mesa AZ 85212 | [email protected] | 602.536.4990

Myth: Getting pre-approved will hurt your credit. Reality: A mortgage pre-approval results in a single hard inquiry — ty...
05/20/2026

Myth: Getting pre-approved will hurt your credit. Reality: A mortgage pre-approval results in a single hard inquiry — typically a minor, temporary impact. Not knowing what you qualify for costs you far more when the right property comes along and you're not ready. Message me to get started. Brad Spies | NEXA Lending | NMLS #2094404 | Company NMLS #1660690 | AZ: AZBK-2006218 | 5559 S. Sossaman Rd. Bldg. 1 #101 Mesa AZ 85212 | [email protected] | 602.536.4990

What would it mean for you to own instead of rent? For a lot of people it's stability, building equity, or just having a...
05/17/2026

What would it mean for you to own instead of rent? For a lot of people it's stability, building equity, or just having a place that's actually theirs. Whatever your reason — I'd like to hear it. Drop it in the comments or message me directly. Let's figure out how to get you there. Brad Spies | NEXA Lending | NMLS #2094404 | Company NMLS #1660690 | AZ: AZBK-2006218 | 5559 S. Sossaman Rd. Bldg. 1 #101 Mesa AZ 85212 | [email protected] | 602.536.4990

Address

5559 S Sossaman Road, Bldg 1 Ste 101
Mesa, AZ
85212

Telephone

+16024309414

Website

http://nexalending.com/

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