Candy Williams
Licensed Loan Officer | NMLS #187126
Your Texas Loan Officer
for First-Time Buyers
I've helped Texas families buy and refinance homes for more than 20 years. I'll walk you through each step in plain language, so you always know what comes next.
Your Homeownership Journey Starts Here
Buying a home has a lot of steps. I explain each one as we go, and I'm here when questions come up.
How I Can Help
Buy Your First Home
Learn each step and find a loan that fits your budget.
Buy a Home That Needs Work
Roll the cost of repairs into your mortgage with one loan.
Use Your Home's Equity
Borrow against your home and keep your current rate.
See All Loan Programs
Compare FHA, VA, USDA, conventional, jumbo and more.
Why Work With Me
As a loan officer with NEXA Lending, I can shop more than 300 lenders for you. That lets me compare options and find the loan that fits you. Plenty of Texas homes need some updating, and renovation loans are one of my specialties.
Want every step in one place?
My free guide walks you through the whole process, from your first call to closing day.
Common Questions
How do I get started?
Apply online or book a free call. Once I review your application and credit report, we'll go over your loan amount, your payment and your next steps.
Do I need perfect credit to buy a home?
No. Many loan programs work with less-than-perfect credit. I'll look at your full picture and show you what's possible.
How much do I need for a down payment?
It depends on the loan. VA and USDA loans can require no down payment, FHA loans start at 3.5%, and some conventional loans start at 3%.
What areas do you serve?
I'm based in San Antonio and help buyers anywhere in Texas.
From the Blog
Understanding Mortgage Letters of Explanation
Lender asked for a letter of explanation? It's not a red flag. Texas loan officer Candy Williams breaks down what it means and what to write. ...more
Homebuying Basics ,The Mortgage Process &Common Questions (FAQs)
July 23, 2026•5 min read
The 5 Texas HELOC Rules Nobody Warns You About (And How to Work With Them)
The 80% cap, the 12-day wait, and 3 more Texas HELOC rules nobody warns you about. A San Antonio broker explains each rule and how to work with it. ...more
Refinance & Home Equity
July 09, 2026•8 min read
How to Buy a Home That Needs Work: Renovation Loans and Financing Options
Learn how to buy a home that needs work using renovation loans, escrow holdbacks, and other financing options. Expand your home search and avoid overpaying. ...more
Homebuying Basics ,Loan Options Explained &Renovation Financing
March 25, 2026•6 min read
Copyright ©2026 | Candy Williams Home Loans | NMLS#187126 | Licensed to do business in Texas
Texas Complaint and Recovery Fund Notice
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.
Corporate | NMLS ID NMLS#1660690 | Corporate Address : 5559 S Sossaman Rd #101, Mesa, AZ 85212 https://nexamortgage.com
