MLO Mike Hibbler

10/20/2026

10/05/2026

Debt Service Coverage Ratio:

Investors, your tax returns don't have to decide the deal.

A DSCR loan qualifies the property, not your personal income. If the rent covers the payment, you may be able to move forward. No W-2s, no tax returns, and you can close in an LLC.

Buying rentals in Memphis or Shelby County? Message me or call 901.305.5461 and let's run the numbers.

Mike Hibbler | NMLS #2784828
NEXA Lending | NMLS #1660690
Equal Housing Opportunity

10/05/2026

Congratulations!!!

09/28/2026

Would you go to a restaurant with only one appetizer, one entree, one dessert, and one drink on the menu?

That's a pretty limited menu for a limited clientele.

At NEXA Lending, we believe in options, ones that not only meet your needs but fit your specific situation. I don't send every client's file to all 300+ lenders in our network. Instead, I take the time upfront to listen, learn your story, and then match you with the best options for you.

That's the difference between a limited menu and a full one.

Ready to see what's actually on the menu for your situation? Send me a message or drop a comment below, and let's talk through your options.

901.305.5461
hibblerfinancial.com

Mike Hibbler | NMLS #2784828 |
NEXA Mortgage LLC, NMLS #1660690

09/28/2026

Student loans in deferment? They can still count against you.

A paused payment doesn't always mean a paused DTI. Depending on the loan type, FHA, conventional, and VA guidelines can require a payment to be counted even while your loans are deferred.

That "on hold" balance could be the difference between approval and denial, and I can help you figure out exactly how it applies to your file.

901.305.5461
hibblerfinancial.com

Mike Hibbler | NMLS #2784828 | NEXA Mortgage LLC, NMLS #1660690

Expert mortgage loan originator in Tennessee helping first-time buyers, refinancing, and home purchases. Licensed #2784828. Call (901) 305-5461 today.

09/21/2026

Can you buy your next home before your current one sells?
Buyers, agents, if a sales contingency is stalling a deal, you may have more options than you think. There are programs that let a buyer make an offer without waiting on their current home to sell first, which puts them on much more equal footing with other offers.
Sellers tend to favor clean offers. This can be the difference between winning the house and watching it go to someone else.
It is not a fit for every situation, and I will give you a straight answer on whether it works for yours.
Agents, if you have a buyer stuck waiting on a sale, message me before the offer goes in.
Buyers, comment "OPTIONS" or send me a message and I will walk you through how it works.
Mike Hibbler | 901.305.5461
NMLS #2784828
NEXA Mortgage LLC | NMLS #1660690

09/09/2026

Rate Incentive Alert!!!

Buying or refinancing before the year gets away from you? I'm offering a limited-time rate incentive for purchase and refinance clients, but only 2 spots are available.

Offer ends September 30. Message me or call to grab one of the last spots.

Mike Hibbler
Hibbler Financial | NEXA Mortgage LLC
901.305.5461
hibblerfinancial.com
NMLS #2784828 | Company NMLS #1660690

09/04/2026

Here's something a lot of buyers don't realize. When you get told you don't qualify, that's often not about you. It's about the lender you asked.

Most loan officers only have one or two boxes to put you in. If you don't fit, they tell you no and send you on your way. But a no from one lender almost never means no everywhere.

I work with FHA, VA, Conventional, Jumbo, DSCR, Non-QM, Bank Statement, and ITIN loans. That means self-employed borrowers, people with complicated income, investors, and buyers who got turned down somewhere else all have real options.

Before you believe you can't buy a house, get a second opinion from someone who actually works outside the box. It might change everything.

Call or text me at 901-305-5461 if you want to find out what you actually qualify for.

08/23/2026

Luxury Financing Shifts in Shelby County: What Buyers Need to Know

The high-end market is moving in buyers' favor. Here's what's changing and how to use it.

Market conditions:
Inventory is up, giving luxury buyers more leverage. Premium homes are averaging 57 to 67 days on market. Sellers are more open to concessions, which opens the door to negotiating seller-paid rate buydowns or closing cost credits.
Where demand is concentrated:
Germantown and Collierville continue to hold strong with planned communities and top-rated schools. River Oaks and East Memphis remain tight and exclusive, retaining long-term value. Eads and Arlington are the choice for privacy, acreage, and equestrian estates.

The financing takeaway:
With homes sitting longer, buyers have room to structure smarter. That means Jumbo loans, physician loan programs, and creative financing built to lower monthly exposure.
Ready to map out your luxury financing strategy? DM me today.

Mike Hibbler | NEXA Mortgage LLC
NMLS #2784828 | Company NMLS #1660690

08/15/2026

Got an open house this weekend?

Send your walk-ins my way. I'll get them pre-qualified in minutes, and if they're ready to move, I can turn that into a full document-verified pre-approval just as fast. That means stronger offers for your buyers and a smoother close for you.

I'm backed by Nexa Lending, where three hundred plus lenders compete for your client's business, so FHA, VA, conventional, jumbo, or non-traditional income, I've got a lane for it.

Drop your open house address in the comments and I'll be ready for your traffic.