Trent Hufstetler MLO 1819440 Powered by NEXA Lending 1660690

Trent Hufstetler MLO 1819440 Powered by NEXA Lending 1660690 NMLS #1819440
NEXA Lending NMLS 1660690
https://www.nmlsconsumeraccess.org

MLO #1819440 Powered by Mpire Financial NMLS 2108504

Equal Housing Lender

Work phone (407) 287-6550

09/15/2026

DSCR loans can be a powerful financing option for real estate investors because the focus is often on the property’s ability to support the mortgage payment rather than the borrower’s personal debt-to-income ratio.
The lender typically looks at the qualifying rental income and compares it with the housing payment, including principal, interest, taxes, insurance, and sometimes HOA dues.
That can be especially helpful for investors who are self-employed, have significant tax write-offs, or simply do not fit traditional income guidelines.
But DSCR is not just “rent is higher than the mortgage.” Property type, market rent, reserves, credit, loan-to-value, and lender guidelines all matter.
Real estate agents, send me the property address early and I’ll help determine whether the deal may fit a DSCR strategy before your investor gets too far down the road.
Trent Hufstetler, NMLS 1819440
Mortgage Advisor
NEXA Lending NMLS 1660690

09/15/2026

Earnest money is not money that disappears into the transaction.
It is a good faith deposit that shows the seller you are serious about purchasing the home.
When the sale closes, it is typically applied toward your down payment or closing costs.
The catch?
Your contract controls when it is refundable and when it may be at risk.
Know the deadlines before sending the deposit.
Trent Hufstetler, NMLS 1819440
Mortgage Advisor
NEXA Lending NMLS 1660690

09/14/2026

Earnest money is not money that disappears into the transaction.
It is a good faith deposit that shows the seller you are serious about purchasing the home.
When the sale closes, it is typically applied toward your down payment or closing costs.
The catch?
Your contract controls when it is refundable and when it may be at risk.
Know the deadlines before sending the deposit.
Trent Hufstetler, NMLS 1819440
Mortgage Advisor
NEXA Lending NMLS 1660690

09/13/2026

A denial should trigger a second opinion before it triggers a cancellation.

When a buyer is denied while under contract, the natural reaction is to assume the deal is dead. But that may not always be the case.

The issue could be the loan program, lender overlays, income calculation, credit structure, or simply that the first lender did not have the right solution for that buyer.

The key is to move quickly. Once buyers hear “no,” they can get discouraged fast and mentally leave the market.

Before canceling the contract, send me the scenario. I’ll review what happened and see whether another reasonable path may exist.

Not every denial can be saved, but every deal deserves a second look.

Trent Hufstetler, NMLS 1819440
Mortgage Advisor
NEXA Lending NMLS 1660690

09/10/2026

Talk about speed! A client signed a file yesterday, and we got conditional approval just an hour and a half later. That's unbelievably fast. Previously, the fastest was hours, but this is a new record. Truly insane!

Trent Hufstetler 1819440
NEXA Lending 1660690

09/08/2026

Denied by one lender does not always mean your homebuying story is over.

Sometimes the issue is the loan program, income calculation, documentation, property type, or overall structure of the file. A second review may uncover a path that was missed the first time.

The facts do not disappear. The strategy changes.
Before letting a denial cancel the dream, get a second opinion.

Trent Hufstetler
Mortgage Advisor
NMLS 1819440
NEXA Lending NMLS 1660690

09/07/2026

Who is the buyer in your pipeline that another lender denied in the last week?
That is the client I want you to send me.
One lender’s denial does not always mean the buyer is truly out of options. Sometimes the issue is a lender overlay, loan-program fit, income calculation, credit structure, or another part of the file that deserves a second look.
The key is moving quickly. Once buyers hear “no,” they can get discouraged, stop looking at homes, and start thinking about trying again next year.
Before that happens, send me the scenario.
I will review what caused the denial and see whether another reasonable path may exist.
Trent Hufstetler, NMLS 1819440
Mortgage Advisor
NEXA Lending NMLS 1660690

09/07/2026

Lately, I’ve been reminding myself that these are the good times.

Life isn’t perfect, and it never really will be. But there’s something special about the quiet moments, the ordinary days, the people around us, and the peace we sometimes forget to notice.

I know one day I’ll look back and miss parts of this season of life.

So I’m trying to slow down, be present, and appreciate it while I’m in it.

These are the moments I want to remember.

09/05/2026

A seller agrees to give you a credit at closing.
Great. But what exactly can you do with it?
Seller credits can potentially help cover eligible closing costs, prepaid expenses, discount points, temporary or permanent rate buydowns, and other allowable transaction costs depending on the loan program.
What they generally are not is a pile of leftover money you simply take home after closing.
That is why the strategy matters.
Instead of only asking, “How much seller credit can we get?” the better question is:
“Where will that credit create the most value for this buyer?”
Sometimes that means reducing upfront costs. Sometimes it means improving the payment. Sometimes it is a combination.
Negotiate the credit with a plan.
Trent Hufstetler
Mortgage Advisor
NMLS 1819440
NEXA Lending NMLS 1660690

09/05/2026

Sometimes the difference between winning a deal and losing one is simply answering the phone.

I got a call late at night from a buyer who needed help.

Their recommended lender still hadn’t returned their call.

So I answered.

We got to work.

And before that other lender even called them back, this buyer had a pre-approval letter in hand.

Not just a quick pre-qualification based on a conversation.

We verified income.

We verified assets.

We pulled and reviewed credit.

They were prepared to move forward with confidence.

That’s why I believe customer service and speed matter so much in this business.

When a buyer finds the right home, they shouldn’t have to wonder when their lender is going to call them back.

And agents shouldn’t have to chase down a lender when a deal is moving fast.

Rates and loan programs matter.

But responsiveness matters too.

Because sometimes the lender who answers the phone is the lender who helps keep the deal moving.

If you’re an agent and you need this level of customer service for your buyers, reach out.

Address

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

Telephone

+13314421118

Website

Alerts

Be the first to know and let us send you an email when Trent Hufstetler MLO 1819440 Powered by NEXA Lending 1660690 posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category