Buying a home
Conventional, FHA and VA loans, first-time buyer programs and down payment assistance.
Start a purchase applicationThe Easy Way Home
Buy a home, refinance or take cash out with Brandyn Livingston. Apply online in about 10 minutes and follow every step in your own portal.
What would you like to do?
More than 350 lendersOne application, compared across all of them
Licensed loan officerBrandyn Livingston, NMLS #1196378
Secure client portalTrack your loan and upload documents
Equal Housing LenderNEXA Mortgage LLC NMLS #1660690
The NEXA way. It's the easy way.
A bank can only offer its own loans. As a mortgage broker, I shop your loan across more than 350 lenders to find the right fit and the most competitive pricing for you, whether you're buying a home, refinancing, taking cash out or financing a business. One application, one point of contact, start to finish.
Start my applicationKnow where your loan is, every day
This is the same tracker you'll see in your portal, with the documents and tasks for each step.
- ApplyAbout 10 minutes online. Your answers save as you go.
- SubmittedYour loan officer reviews it and reaches out to talk through your options.
- In reviewUpload documents from your phone and see exactly what's still needed.
- ApprovedAny conditions show up as simple tasks in your portal.
- Clear to closeEverything is signed off and your closing gets scheduled.
- FundedYour loan funds. Welcome home.
Run the numbers
All calculatorsMonthly debts are car, student loan and credit card payments. Uses up to 43% of your income for all monthly debts, including the new house payment, a common lending guideline. Some programs allow more.
Estimates only. Calculators don't show an annual percentage rate (APR) and aren't a rate quote or an offer to lend. Your Loan Estimate will show your actual rate and APR.
Common home loans, side by side
Guidelines vary by lender and change over time. Your loan officer will confirm what you qualify for.
| Loan | Down payment from | Mortgage insurance | Good fit for |
|---|---|---|---|
| Conventional | 3% (first-time buyers) to 5% | Monthly until you reach 20% equity | Good credit, steady income |
| FHA | 3.5% | Upfront and monthly premium | Lower credit scores or smaller savings |
| VA | 0% | None (one-time funding fee, waived for some veterans) | Veterans, service members and eligible spouses |
| USDA | 0% | Upfront and yearly guarantee fee | Eligible rural and suburban areas |
Financing for your business, too
Working capital, equipment, commercial real estate, SBA loans and more. Tell us about your business and Brandyn will match you with lenders that fit.
Questions people ask
Don't see your question? Call or text (214) 789-7527, or request a call back.
How long does the application take?
About 10 minutes. Your answers save as you go, so you can stop and finish later from the same device or from your portal.
What documents will I need?
Usually recent pay stubs, two years of W-2s, two months of bank statements and a photo ID. Your portal lists exactly what your loan needs, and you can upload everything from your phone.
How much do I need for a down payment?
It depends on the loan. VA and USDA loans can require nothing down, FHA loans start at 3.5%, and some conventional loans start at 3%. Down payment assistance programs may help with the rest.
Can I get a loan if I'm self-employed?
Yes. Some programs use your tax returns and others use bank statements to show your income. Choose self-employed in the application and your loan officer will match you with lenders that fit.
Is my information secure?
Your Social Security number and date of birth are only entered on an encrypted page, never by text or email, and only your loan officer can see them.