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Reality Check!

Conventional, FHA, Mortgage, News, Pre-Approval Letter, Purchase, Uncategorized

Hi, my name is Joe Spellman and I can help you understand what loan option works best for you, with a reality check of your options. If you want to learn more, just let me know and we can get started. ..

Let’s get you started with a faster, easier, cheaper mortgage 👇
🏆 Home Purchase Qualifier 👍 Apply Now Free Guide to Home Buying 👍 Rate Checker

April 27, 2026/by Joe Spellman

https://www.familyfirstmortgageusa.com/wp-content/uploads/2026/04/JOE-SPELLMAN-33.jpg 1417 1417 Joe Spellman https://www.familyfirstmortgageusa.com/wp-content/uploads/2025/11/logo-nexa-landing-300x122.png Joe Spellman2026-04-27 12:51:142026-04-27 12:51:14Reality Check!

WHY RENT?

Conventional, FHA, Mortgage, News, Pre-Approval Letter, Purchase, Uncategorized

Are you tired of renting? Are you tired of paying someone else’s mortgage but not yours? If Yes, then contact me and we can change that, starting today.

Let’s get you started with a faster, easier, cheaper mortgage 👇
🏆 Home Purchase Qualifier 👍 Apply Now Free Guide to Home Buying 👍 Rate Checker

April 23, 2026/by Joe Spellman

https://www.familyfirstmortgageusa.com/wp-content/uploads/2026/04/JOE-SPELLMAN-26.jpg 1417 1417 Joe Spellman https://www.familyfirstmortgageusa.com/wp-content/uploads/2025/11/logo-nexa-landing-300x122.png Joe Spellman2026-04-23 12:11:512026-04-23 12:11:51WHY RENT?

Get a Rate Quote in Just 30 Seconds!

Mortgage rates change daily and vary depending on your unique situation. Get your FREE customized quote here .

Get My Custom Rate Quote Now!

NEXA Lending LLC.

www.NEXALending.com

NMLS #1660690

AZMB #0944059

5559 S Sossaman
Rd Building 1 #101,
Mesa, AZ 85212

863-559-8288

jspellman@nexalending.com

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This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply. Copyright © 2026 | NEXA Lending LLC.
Licensed In: FL, NMLS # 2142845 | NMLS ID 1660690 | AZMB #0944059
Corporate Address : 5559 S Sossaman Rd Building 1 #101, Mesa, AZ 85212

Joe Services all of

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Where Should We Send You The Link To Attend The Live Info Session?

Banks Fight For Your Business
As brokers, we shop your scenario with 30+ lenders to get you the best rate.
No Lender Fees
We don't charge any lender fees, saving you on average $1,600 over retail banks.
Won't Impact Credit Score
We make sure the numbers work before running your credit.

Where Should We Send You The Link To Attend The Live Info Session?

Banks Fight For Your Business
As brokers, we shop your scenario with 30+ lenders to get you the best rate.
No Lender Fees
We don't charge any lender fees, saving you on average $1,600 over retail banks.
Won't Impact Credit Score
We make sure the numbers work before running your credit.

Step 1 of 26

State
State

Great! What type of insurance are you looking for?*
- Homeowners - i own and need content coverage
- Condo - I own and need content coverage
- Townhome - I own and need content coverage
- Townhome - I own and need content coverage

Approximately what year was the property built?*
- 2010-2020
- 2000-2009
- 1990-1999
- before 1990

What type of property is it?*
- Single Family Home
- Apartment
- Duplex
- Condominium
- Townhome
- Manufactured/Mobile Home
- Other

What type of construction is the property?*
- Mostly Brick
- Mostly wood Frame
- Stucco
- Unsure
- Other

What type of roof?*
- Asphalt Shingle
- Wood Shingle
- Tile
- Unsure

how many stories?*
- 1 Story
- 2 Stories
- 3 Stories
- 4 or More Stories
- Bi-level
- Tri-level

how many bedrooms?*
- 1
- 2
- 3
- 4
- 5
- 6+

how many bathrooms?*
- 1
- 1.5
- 2
- 2.5
- 3
- 3.5
- 4+

What type of garage?*
- Attached - 1 Car
- Attached - 2 Car
- Attached - 3 Car
- Attached Carport
- Detached - 1 Car
- Detached - 2 Car
- Detached - 3 Car
- Detached Carport
- No Garage
- Other

What type of foundation?*
- Basement Fully Finished
- Basement Half Finished
- Basement Unfinished
- Crawlspace
- Slab
- Unsure
- Other

Approximately how many square feet?

What is the primary heating system?*
- Gas (forced air)
- Electric
- Hot Water/Steam Radiate
- Oil/Coal/Kerosene
- Propane
- Stove
- Unsure

Are there any potential discounts?*
- None
- Deadbolts
- Smoke Alarms
- Fire Extinguishers
- Nearby Fire Hydrant
- Manned Fire Station within 5 Miles

What type of fire alarm?*
- None
- Monitored
- Unmonitored
- Unsure

What type security system?*
- None
- Monitored
- Unmonitored
- Unsure

What is the municipal location?*
- Inside City Limits
- Outside City Limits
- Unsure

Are there any add-ons or improvements?*
- None
- Sump Pump
- Sauna
- Hot Tub
- Covered Deck/Patio
- Wood Burning Stove
- Central Air Conditioning
- In-Ground Swimming Pool (not fenced)
- In-Ground Swimming Pool (fenced)

Are there any past claims?*
- None
- Weather
- Theft
- Vandalism
- Water
- Fire
- Other

What kind of liability protection are you looking for?*
- $100,000
- $300,000 (most common)
- $500,000
- $1,000,000 (umbrella liability)
- $2,000,000 (umbrella liability)

What kind of deductible are your looking for?*
- 1 Percent
- 2 Percent
- $100
- $250
- $500
- $1000 (most common)
- $2,500

Home address*

City:*

What is your full name?*

What is your email address?*

What is your phone number?*

Where Should We Send You The Link To Attend The Live Info Session?

Banks Fight For Your Business
As brokers, we shop your scenario with 30+ lenders to get you the best rate.
No Lender Fees
We don't charge any lender fees, saving you on average $1,600 over retail banks.
Won't Impact Credit Score
We make sure the numbers work before running your credit.

Quick Rate Check

Banks Fight For Your Business
As brokers, we shop your scenario with 30+ lenders to get you the best rate.
No Lender Fees
We don't charge any lender fees, saving you on average $1,600 over retail banks.
Won't Impact Credit Score
We make sure the numbers work before running your credit.

Where Should We Send You The Link To Attend The Live Info Session?

Banks Fight For Your Business
As brokers, we shop your scenario with 30+ lenders to get you the best rate.
No Lender Fees
We don't charge any lender fees, saving you on average $1,600 over retail banks.
Won't Impact Credit Score
We make sure the numbers work before running your credit.

Step 1 of 3

33%

State
State

What type of loan do you need?*
- Home Purchase
- Home Refinance

What is your name?*
What is your email?*

What email address should we send your loan options to?
What is your Phone Number?*
Want us to text you your loan options instead of email so you can get it quicker?

Call Today! 863-559-8288

jspellman@nexalending.com

Step 1 of 16

State*
FREE Home Purchase Qualifier

Do you know how much home you can afford? Take the first step by getting pre-approved here for FREE!

State

Great! What type of property are you purchasing?
What type of property are you purchasing?
- Single Family Home
- Townhome
- Condominium
- Multi Family Home
- Manufactured or Mobile Home

Estimate your credit score.
Estimate your credit score
- Excellent
- Good
- Fair
- Poor

Is this your first property purchase?
Is this your first property purchase?
- Yes
- No

What is your current property purchase situation?
What is your current property purchase situation?
- Signed a Purchase Agreement
- Offer Pending / Found Property
- Buying in 2-6 Months
- Researching Options

What is the purchase price of the new property?
What is the purchase price of the new property?

What is your estimated down payment?
What is your estimated down payment?
- 0%
- 1%
- 3%
- 3.5%
- 5%
- 10%
- 20%
- 25%+

What kind of rate do you prefer?
What kind of rate do you prefer?
- Adjustable
- Fixed

What is your gross annual household income?
What is your gross annual household income?

What is your employment status?
What is your employment status?
- Employed
- Not Employed
- Self Employed
- Military
- Other

Bankruptcy, short sale, or foreclosure in the last 3 years?
Bankruptcy, short sale, or foreclosure in the last 3 years?
- Yes
- No

Can you show proof of income?
Can you show proof of income?
- Yes
- No

Are you working with a real estate agent?
Are you working with a real estate agent?
- Yes
- No

What is your full name?
Name*

What is your email address?
Email*

What is your phone number?
Phone*

NMLS Consumer Look Up | NMLS 2142845

Where Should We Send You The Link To Attend The Live Info Session?

NEXA’S GROWTH
Nexa Grew 926% in 2019 (went from 42 to 389 loan officers in 2019 and we just hit 500th LOs as February 28th 2020 ) 756 Los joined Nexa Mortgage till No
LOW INTEREST RATES.
NEXA offer super low interest rates Stop saying you sell service and not rates, when you and I both KNOW you can sell low rates AND service (processing, loan scenario, marketing, even AE’s and UW support from our top lenders ALL One Click away.
Additional Free MLOBOX
Grow your brand with MLOBOX.
✅ Your own branded Website.
✅ Your Own Graphic Designer Team!
✅ Personalized Businesss cards, Flyers & More..
Let's start your new journey

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