MLO Mike Hibbler

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.

08/14/2026

08/10/2026

Thinking about buying but your income alone won't qualify?

A non occupant co-purchaser might be the answer. This is when a parent, relative, or close family member co-signs the loan with you, even though they won't live in the home. Their income and credit help you qualify, while you build ownership and equity in your own place. It's common on FHA and conventional loans and it's helped a lot of first time buyers get into a home sooner than they thought possible.

If you're wondering whether this could work for you, give me a call at 901.305.5461 and let's talk through your options.

08/09/2026

This sounds like just like my team Juan Stewart Jr. Walter Brown

08/09/2026

Mike Hibbler | Nexa Lending

To move quickly and put together a true pre-approval — not just a quick pre-qual — please gather the documents below as soon as possible.

Income & Employment

Last 2 years of W-2s
Last 30 days of pay stubs
If self-employed: last 2 years of tax returns (all schedules) plus a year-to-date profit & loss statement
Employer contact info, or an offer letter if you've recently started a new job

Assets

Last 2 months of bank statements — all pages, all accounts
Statements for any retirement or investment accounts you'd like counted as reserves
Gift letter and proof of transfer, if any part of your down payment is a gift

Credit & Identification

A valid photo ID (driver's license or passport)
Authorization to pull your credit — I'll send you a secure link for this

If Applicable

Divorce decree or child support documentation
Bankruptcy discharge paperwork
A short explanation letter for any recent credit inquiries or large deposits

Once I have these in hand, I can turn around your pre-approval quickly so you're ready to shop with confidence. No rush — just send what you have, and we'll fill in any gaps together.
Let me know if you have any questions or need help tracking anything down!

Best Regards,

Mike Hibbler
Nexa Lending
[email protected]
901.305.5461