Sincere Mortgage by NEXA

Sincere Mortgage by NEXA Sincere Mortgage Group is your go-to brokerage solution for home purchases, refinance, HELOCS & more. Welcome to our page!

We're the heart and soul behind Sincere Mortgage Group—Scottie Talaski, Mike Easton, and MJ Easton. United by our faith and fellowship at Elevation Church, we've embarked on a mission to revolutionize the mortgage and real estate industry with transparency, integrity, and a client-focused approach. Our journey at Sincere Mortgage Group began with a simple idea: to demystify the mortgage process an

d make homeownership and real estate investing a reality for more families. This vision was born from our individual experiences and a shared commitment to living out the values we cherish. Each week we draw inspiration from the community and teachings at Elevation Church. Scottie Talaski, the visionary who laid our foundation, is not just a dedicated husband and father but also the architect behind our innovative systems that streamline the homeownership experience. His leadership is propelled by a strong belief in honesty, a value nurtured through his education at Gordon-Conwell Theological Seminary and his life-changing experiences with Elevation Church. Mike Easton brings an entrepreneurial zeal and a rich background in real estate and finance, sparked by the influential teachings of "Rich Dad Poor Dad." His journey through understanding the depths of mortgage options and strategies was further enriched by his marriage to MJ and their shared dedication to helping others. Mike's knack for devising strategic real estate solutions and personalized client plans stands as a testament to his passion and expertise. MJ Easton is the linchpin in our operations, with an extensive mortgage career that dates back to 2008. Her multifaceted roles have equipped her with a profound understanding of the mortgage landscape, from quality control to underwriting. MJ believes in simplifying the complex world of mortgages, making it accessible and stress-free. Her approach is all about being a trusted ally to our clients, a philosophy she practices both in and out of the office. Together, we are a team driven by faith, united in purpose, and dedicated to providing an unparalleled service experience. Our diverse skills, shared values, and commitment to excellence mean we're here to guide you through every step of your real estate and mortgage journey. We invite you to start this journey with us. Reach out for a personalized consultation, and let's explore how we can help make your dream of homeownership a beautiful reality. Because at Sincere Mortgage Group, we believe your dream home isn't just a dream—it's a future we can build together. NEXA Mortgage LLC
Corporate Address (3100 W Ray Rd STE 201 Office # 209, Chandler AZ 85226.) Company Website: www.NEXAMortgage.com
Corporate NMLS #: 1660690
NMLS #1510907, 2125367, 1683075
NMLS Consumer Access Link: https://nmlsconsumeraccess.org/TuringTestPage.aspx?ReturnUrl=/EntityDetails.aspx/COMPANY/1660690
NEXA Mortgage LLC is an Equal Housing Lender

04/02/2026

If you are thinking about buying a home outside of a major city, USDA just made a move that could seriously speed up your path to closing.

The Department of Agriculture just launched what they are calling the Rural Housing Modernization Initiative, and it changes the process in a meaningful way. Qualified lenders can now approve and close guaranteed USDA loans on their own, which means less back and forth, fewer delays, and a faster timeline from start to finish. This brings USDA in line with how VA and FHA loans already work, and if you have ever been frustrated by longer USDA timelines, that frustration is about to become a thing of the past. USDA also launched a new online portal called My RD Loan that gives borrowers with direct loans 24/7 access to their account, payments, and loan information all in one place.

Here is the best part. Nothing changed with eligibility. Same guidelines, same protections, just a smoother experience. And USDA loans are still one of the best kept secrets in home lending: zero down payment, no PMI, and now a faster process from application to closing.

If you are buying in a rural or suburban area and want to know if you qualify, send me a DM and I will check your area for free.

03/18/2026

A lot of people are asking me right now whether this is actually a good time to buy a home. Here is exactly what I am telling them.

Yes, there is a lot happening at once. Global events are affecting energy prices, inflation data keeps shifting in both directions, and tariff related cost pressure is real. That combination is pushing some buyers and sellers to the sidelines and making everyone a little more cautious. But here is what most people are completely overlooking. The government just passed one of the biggest housing bills in a generation. It is called the ROAD Act and it passed with massive bipartisan support.

It restricts large Wall Street investors from buying up single family homes and streamlines the permitting process so that more homes can actually get built. That is a direct and meaningful win for everyday home buyers. Less competition from institutional money means a more level playing field for you and your family when you are making offers.

On top of that, low inventory continues to keep home values stable, which is excellent news whether you are buying now or already own.

The headlines may sound alarming but the opportunity underneath them is genuinely real. The buyers who move with the right strategy this spring are going to look back and be very glad they did. Reach out and let's talk about what that strategy looks like for your specific situation.

03/11/2026

The trigger lead era is officially dead, and if you have ever had your phone blown up by strangers the moment you applied for a mortgage, this news is for you.

For years, the second your credit was pulled during a mortgage application, credit bureaus could legally sell your personal information to dozens of competing lenders within hours. Calls, texts, and emails from lenders you never contacted and never gave permission to reach you. That practice is now federally banned in all 50 states. President Trump signed the Homebuyers Privacy Protection Act on September 5th, 2025, and it took effect this week on March 5th, 2026.

Your data stays private. Your phone stays quiet. And the lender you chose is the one you actually get to work with, without the noise and confusion of strangers pretending to know your file.

The home buying process is already stressful enough. You deserve to go through it with focus, trust, and peace of mind. If you are thinking about buying, now is a great time to start that conversation with someone you actually chose. Follow me for more updates on what is changing in real estate and how it affects you.

03/03/2026

The rate-lock effect is finally thawing, and spring is showing up early.

For the last couple years, many homeowners stayed put to avoid giving up their 3% era mortgage rate, which kept listings tight and buyers stuck in scarcity mode.

Now active inventory is up roughly 7% to 10% year over year, and buyers are getting real choices again.

The key point is demand is not disappearing, with pending sales up over 6% year over year in many markets, which signals the season is starting early.

Buyers get more options and more negotiating power, and sellers should remember the best homes priced right are still moving.

02/23/2026

82% of agents are already using AI in their business.

According to a new survey from Realtor Property Resource, about 78% are using it mainly for writing listing descriptions, social posts, and emails.

But here’s what’s interesting. The number one concern is accuracy. 63% of agents said that’s their biggest worry, followed by compliance, legal risk, and fair housing issues.

My take? Use AI for the first draft. Keep pricing strategy, compliance, and client advice human-reviewed.

AI should be your assistant, not your replacement. Comment “AI” and I’ll send you my simple workflow for listings, social posts, and follow-up texts.

02/16/2026

The 2026 housing outlook is starting to look a lot more optimistic.

According to NAR’s latest Broker Power Hour recap, mortgage rates are expected to trend lower over time. NAR Chief Economist Lawrence Yun is forecasting about a 14% year-over-year increase in existing-home sales in 2026.

A double-digit jump like that usually signals a recovery-style year. Momentum returns. More buyers re-enter the market. The “frozen” segments start to thaw.

If you’re a buyer, that could mean more inventory and more negotiating power. If you’re a homeowner, it could finally create a path to move up or right-size.

The key is preparing now. Get your credit, income docs, and down payment strategy dialed in so you’re ready when opportunity shows up.

02/09/2026

In 2025, 60% of buyers paid below asking price — and the discounts were bigger than we’ve seen in over a decade.

That means one thing: sellers are negotiating again.

This is your chance to ask for things like seller-paid rate buydowns, closing cost credits, and pre-move-in repairs — but only if you know how to structure the offer.

If your offer isn’t worded the right way, you could leave thousands on the table or lose the home entirely.

Want to know the top 3 strategies we’re using to help clients negotiate better deals? Send me a message.

02/03/2026

The Fed just held interest rates steady after Wednesday’s meeting.

Inflation is cooling—but not fast enough. It’s still around 2.7%, and the Fed’s target is 2%. Meanwhile, job growth has slowed, but the labor market is holding strong.

Some Fed members even hinted at a rate cut in the near future, which tells us a pivot might be closer than expected.

But for now, mortgage rates are steady—and still sticky. If you're waiting for a massive drop before buying, you might be waiting a while.

Find the right house, focus on your monthly payment, and structure your deal smart.

02/02/2026

“Is AI going to change the way homes are bought and sold?”

Yes. It is already speeding up the process with tools that help buyers search faster, compare numbers, and move through steps that used to take more time.

But here’s what AI cannot replace:
✅Experience navigating complex transactions
✅Local market knowledge
✅Human negotiation when the stakes are high
✅The emotions that come with a major life purchase

The best use of tech is in the prep and process: faster organization, clearer strategy, smarter decisions.

If you want to see what a tech-powered mortgage plan looks like, message me and we will run a quick scenario.

01/27/2026

Feel like you’re competing with Wall Street to buy a home?

You’re not imagining it. Institutional investors have been buying up single-family homes in bulk, turning them into rentals, and pushing everyday buyers out of the market.

But that may be changing. Trump just signed an executive order aimed at limiting large investor purchases of homes—and he’s proposing to let first-time buyers use their 401(k) savings for down payments without penalties.

If these changes move forward, it could mean less investor competition, more homes available, and new ways to afford your first home.

01/26/2026

Here’s what the best agents and lenders are doing to succeed in 2026, based on what 2025 taught us.

Lesson 1: The market rewards strategy, not speed. Buyers and sellers are moving carefully, so education and prep matter more than ever.

Lesson 2: Relationships beat algorithms. AI helps, but trust closes the deal.

Lesson 3: Creative financing is back. It is not just quoting rates, it is structuring a plan.

Lesson 4: Collaboration is key. The deals that win are the ones where agent and lender are aligned from day one.

If you want to see what we are doing behind the scenes to help clients win in 2026, message me “PLAYBOOK.”

Address

153 S Oakland Avenue
Rock Hill, SC
29730

Opening Hours

Monday 9am - 5:30pm
Tuesday 9am - 5pm
Wednesday 9am - 7pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 11am - 2pm

Telephone

+19802914848

Website

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