Holly Niemeier - NEXA Lending

Holly Niemeier - NEXA Lending ๐Ÿ‘‹ Iโ€™m Holly Niemeier, a top loan officer with 20+ yrs in mortgages. Expert in DSCR & investor loans + Conventional, VA, FHA, HELOC, & Commercial.

Proud mom, camper, music lover & adventurer with Aspen & pup Maverick ๐Ÿ•๏ธ๐ŸŽถ๐Ÿพ

www.aspentreelending.com Holly Niemeier
NMLS # 1223276

Corporate NMLS #: 1660690
NEXA Lending LLC is an Equal Housing Lender and Equal Housing Opportunity
AZ BANKER license number: BK-2006218

assets-us-01.kc-usercontent.com/a6ffb754-748e-006e-d2fb-89ac413005fe/fa4f6360-66eb-4df1-b9e5-c4b277b62972/TX%20Compliant%20Disclosure.pdf

๐Ÿ’ญ ๐‘๐ž๐ง๐ญ๐ž๐ซ๐ฌ, ๐›๐ž ๐ก๐จ๐ง๐ž๐ฌ๐ญโ€ฆ ๐ฐ๐ก๐š๐ญ ๐ฐ๐จ๐ฎ๐ฅ๐ ๐ฆ๐š๐ค๐ž ๐ฒ๐จ๐ฎ ๐›๐ฎ๐ฒ ๐š ๐ก๐จ๐ฆ๐ž ๐ญ๐จ๐๐š๐ฒ?Drop your answers below โ€” no wrong answers, Iโ€™m curious ๐Ÿ‘‡ ...
06/10/2026

๐Ÿ’ญ ๐‘๐ž๐ง๐ญ๐ž๐ซ๐ฌ, ๐›๐ž ๐ก๐จ๐ง๐ž๐ฌ๐ญโ€ฆ ๐ฐ๐ก๐š๐ญ ๐ฐ๐จ๐ฎ๐ฅ๐ ๐ฆ๐š๐ค๐ž ๐ฒ๐จ๐ฎ ๐›๐ฎ๐ฒ ๐š ๐ก๐จ๐ฆ๐ž ๐ญ๐จ๐๐š๐ฒ?

Drop your answers below โ€” no wrong answers, Iโ€™m curious ๐Ÿ‘‡

๐Ÿฆ Most banks talk about the rateโ€ฆ but not the full cost of the loan.And thatโ€™s where many buyers get surprised later. Th...
06/09/2026

๐Ÿฆ Most banks talk about the rateโ€ฆ but not the full cost of the loan.

And thatโ€™s where many buyers get surprised later. The truth is. your mortgage is more than just a number โ€” itโ€™s a structure that affects your long-term wealth.

๐Ÿ‘‰ Slide to know more about whatโ€™s often left out of the conversation.

Want a clear breakdown of your real loan cost before you commit? Letโ€™s review it together so you know exactly what youโ€™re signing up for.

๐™ƒ๐™ค๐™ก๐™ก๐™ฎ ๐™‰๐™ž๐™š๐™ข๐™š๐™ž๐™š๐™ง
NMLS # 1223276
๐Ÿ“ž 720-446-6340
๐Ÿ“ง [email protected]

My favorite place โค๏ธSometimes I have to pause and take it all in.I'm reminded that so much of what I have today is what ...
06/08/2026

My favorite place โค๏ธ

Sometimes I have to pause and take it all in.
I'm reminded that so much of what I have today is what I once dreamed about: meaningful career, flexibility, and the freedom to make memories with the people I love most.

โ€œIs rate more important, or purchase price?โ€The truth is โ€” focusing on just one can lead to the wrong decision. What rea...
06/06/2026

โ€œIs rate more important, or purchase price?โ€

The truth is โ€” focusing on just one can lead to the wrong decision. What really matters is how both impact your monthly payment and long-term goals.

๐Ÿ‘‰ ๐’๐ฅ๐ข๐๐ž ๐ญ๐จ ๐ค๐ง๐จ๐ฐ ๐ฆ๐จ๐ซ๐ž ๐š๐ง๐ ๐ฌ๐ž๐ž ๐ก๐จ๐ฐ ๐ฌ๐ฆ๐š๐ซ๐ญ ๐›๐ฎ๐ฒ๐ž๐ซ๐ฌ ๐š๐ฉ๐ฉ๐ซ๐จ๐š๐œ๐ก ๐ญ๐ก๐ข๐ฌ ๐๐ž๐œ๐ข๐ฌ๐ข๐จ๐ง.

๐Ÿ“ฒ Want help breaking down what actually fits your budget? Letโ€™s run the numbers together.

๐™ƒ๐™ค๐™ก๐™ก๐™ฎ ๐™‰๐™ž๐™š๐™ข๐™š๐™ž๐™š๐™ง
NMLS # 1223276
๐Ÿ“ž 720-446-6340
๐Ÿ“ง [email protected]

โ€œHow far back do lenders actually look?โ€The answer isnโ€™t just a number โ€” it depends on what part of your financial pictu...
06/05/2026

โ€œHow far back do lenders actually look?โ€

The answer isnโ€™t just a number โ€” it depends on what part of your financial picture weโ€™re talking about. Credit, income, and assets are all reviewed differently.

๐Ÿ‘‰ ๐’๐ฅ๐ข๐๐ž ๐ญ๐จ ๐ค๐ง๐จ๐ฐ ๐ฆ๐จ๐ซ๐ž ๐š๐ง๐ ๐ฎ๐ง๐๐ž๐ซ๐ฌ๐ญ๐š๐ง๐ ๐ฐ๐ก๐š๐ญ ๐ซ๐ž๐š๐ฅ๐ฅ๐ฒ ๐ฆ๐š๐ญ๐ญ๐ž๐ซ๐ฌ ๐ข๐ง ๐ฒ๐จ๐ฎ๐ซ ๐Ÿ๐ข๐ฅ๐ž.

Not sure how your history looks to a lender? Letโ€™s go over it together and map out your approval path.

๐™ƒ๐™ค๐™ก๐™ก๐™ฎ ๐™‰๐™ž๐™š๐™ข๐™š๐™ž๐™š๐™ง
NMLS # 1223276
๐Ÿ“ž 720-446-6340
๐Ÿ“ง [email protected]

The older I get, the more my definition of success changes.It's less about accomplishments and more about experiences. L...
06/04/2026

The older I get, the more my definition of success changes.

It's less about accomplishments and more about experiences. Less about being busy and more about being present.

A day at the ranch with my daughter reminded me of that. Watching her explore, laugh, and enjoy the simple things made me realize these are the moments I'll remember years from now.

Grateful for a life that makes room for both ambition and memories like these. ๐Ÿค๐Ÿดโœจ

Heard Hal Elrod speak and it clicked:If you donโ€™t take control of your morning, your day will control you.Iโ€™ve been work...
05/28/2026

Heard Hal Elrod speak and it clicked:
If you donโ€™t take control of your morning, your day will control you.

Iโ€™ve been working on creating a more intentional start to my mornings, and itโ€™s changed how I show up across everything.

Curiousโ€ฆ What's the first thing you do when you wake up? ๐Ÿ‘‡


Got denied before? Youโ€™re not alone โ€” and it doesnโ€™t mean the door is closed.Most approvals happen after small but impor...
05/27/2026

Got denied before? Youโ€™re not alone โ€” and it doesnโ€™t mean the door is closed.

Most approvals happen after small but important adjustments to credit, income, or loan structure.

๐Ÿ‘‰ ๐’๐ฅ๐ข๐๐ž ๐ญ๐จ ๐ค๐ง๐จ๐ฐ ๐ฆ๐จ๐ซ๐ž ๐š๐ง๐ ๐ฌ๐ž๐ž ๐ก๐จ๐ฐ ๐›๐ฎ๐ฒ๐ž๐ซ๐ฌ ๐ฌ๐ฎ๐œ๐œ๐ž๐ฌ๐ฌ๐Ÿ๐ฎ๐ฅ๐ฅ๐ฒ ๐ญ๐ซ๐ฒ ๐š๐ ๐š๐ข๐ง.

Want to revisit your file and see what needs to change for approval? Letโ€™s break it down together.

๐™ƒ๐™ค๐™ก๐™ก๐™ฎ ๐™‰๐™ž๐™š๐™ข๐™š๐™ž๐™š๐™ง
NMLS # 1223276
๐Ÿ“ž 720-446-6340
๐Ÿ“ง [email protected]

Two of the most common questions right now:โ€œHow do rising rates affect what I can afford?โ€โ€œAnd can I still qualify if I ...
05/26/2026

Two of the most common questions right now:
โ€œHow do rising rates affect what I can afford?โ€
โ€œAnd can I still qualify if I just started a new job?โ€

The answer? It depends โ€” but both are more manageable than you might think with the right strategy.

๐Ÿ‘‰ ๐’๐ฅ๐ข๐๐ž ๐ญ๐จ ๐ค๐ง๐จ๐ฐ ๐ฆ๐จ๐ซ๐ž ๐š๐ง๐ ๐ ๐ž๐ญ ๐œ๐ฅ๐š๐ซ๐ข๐ญ๐ฒ ๐›๐ž๐Ÿ๐จ๐ซ๐ž ๐ฒ๐จ๐ฎ ๐ฆ๐š๐ค๐ž ๐ฒ๐จ๐ฎ๐ซ ๐ง๐ž๐ฑ๐ญ ๐ฆ๐จ๐ฏ๐ž

๐™ƒ๐™ค๐™ก๐™ก๐™ฎ ๐™‰๐™ž๐™š๐™ข๐™š๐™ž๐™š๐™ง
NMLS # 1223276
๐Ÿ“ž 720-446-6340
๐Ÿ“ง [email protected]

๐Ÿ’ฐ Think your income is the biggest factor in getting approved? Not always.Some loan programs look beyond traditional inc...
05/25/2026

๐Ÿ’ฐ Think your income is the biggest factor in getting approved? Not always.

Some loan programs look beyond traditional income and focus on how money actually flows in your accounts or investments.

๐Ÿ‘‰ ๐’๐ฅ๐ข๐๐ž ๐ญ๐จ ๐ค๐ง๐จ๐ฐ ๐ฆ๐จ๐ซ๐ž ๐š๐›๐จ๐ฎ๐ญ ๐ก๐จ๐ฐ ๐ช๐ฎ๐š๐ฅ๐ข๐Ÿ๐ข๐œ๐š๐ญ๐ข๐จ๐ง ๐ฐ๐จ๐ซ๐ค๐ฌ ๐Ÿ๐จ๐ซ ๐ญ๐ก๐ž๐ฌ๐ž ๐ญ๐ฒ๐ฉ๐ž๐ฌ ๐จ๐Ÿ ๐ฅ๐จ๐š๐ง๐ฌ.

Curious if you qualify without traditional income docs? Letโ€™s explore your options together.

๐™ƒ๐™ค๐™ก๐™ก๐™ฎ ๐™‰๐™ž๐™š๐™ข๐™š๐™ž๐™š๐™ง
NMLS # 1223276
๐Ÿ“ž 720-446-6340
๐Ÿ“ง [email protected]

Address

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

Telephone

+17204466340

Website

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