Loan Programs
very buyer and homeowner is different, so the right loan depends on your goals. I'm a licensed loan officer with NEXA Lending, a mortgage broker with access to more than 300 lenders. That means I can compare options and find the loan that fits you. Start with the loan you're curious about, or reach out and I'll help you compare.
Loans for Buying a Home
Conventional Loans
The most common home loan. As little as 3% down for first-time buyers, and mortgage insurance that comes off as you build equity.
FHA Loans
A low down payment and flexible credit. As little as 3.5% down with a credit score of 580 or higher.
VA Loans
Zero down and no monthly mortgage insurance for eligible veterans and service members.
USDA Loans
Zero down for homes in eligible small towns and suburbs, with household income limits.
Self-Employed Loans
Qualify with tax returns, bank statements, a profit and loss statement, or 1099s.
Jumbo Loans
For loans above $832,750, the 2026 conforming limit in Texas.
Loans for Building or Renovating
New Construction Loans
Build a home or buy a new build, with one-time close options.
Renovation Loans
Buy a home and finance the repairs in one loan, with FHA, conventional, VA, or USDA options.
Loans for Using Your Equity
Second Mortgages
Borrow a lump sum against your equity and keep your current mortgage rate.
Home Equity Lines of Cred
A line of credit against your equity that you draw from as you need it.
Reverse Mortgages
For homeowners 62 and older. Turn some of your equity into cash while you stay in your home.
Want every step in one place?
My free guide walks you through the whole process, from your first call to closing day.
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
