Get a Great Mortgage Rate
Use one of our quick & easy tools to find out what you qualify for, FREE!
Get a Great Mortgage Rate
Use one of our quick & easy tools to find out what you qualify for, FREE!
Hi, š Iām Andrew Lugo
I am a 17-year veteran mortgage broker. I graduated from Cal Poly, San Luis Obispo with a degree in Financial Management and worked for consumer finance companies for over 16 years. I believe in the importance of education and trust that when presented with the appropriate information, clients make the choice that is best for their families. Unfortunately, some lenders only provide one option - that is sometimes the option that is best for them. Call/Email me today for a conversation regarding your specific needs. No cost to you and no credit check required.
Andrew Lugo
NMLS ID# 212011
Loan Officer
Call or Text: (831) 229-5044
REFINANCE ANALYSIS
We’ll crunch the numbers so you’ll know exactly how much money you canĀ save.
PRE-QUALIFICATION LETTER
Browse rate comparisons to see which individual mortgage terms make the most sense forĀ you.
HOME INSURANCE QUOTE
Don’t just leap at the next opportunityātake the time toĀ search.
YOUR TIME & MONEY MATTER. LETāS NOT WASTE EITHER.
YOUR TIME & MONEY MATTER. LETāS NOT WASTE EITHER.
REFINANCE ANALYSIS
We’ll crunch the numbers so you’ll know exactly how much money you canĀ save.
PRE-QUALIFICATION LETTER
Browse rate comparisons to see which individual mortgage terms make the most sense forĀ you.
HOME INSURANCE QUOTE
Don’t just leap at the next opportunityātake the time toĀ search.
TYPES OF LOANS
Our knowledgable staff will help you understand each loan program you qualify for, and help you make the best decision for you and your Family based on your situation
CONVENTIONAL
Conventional loans are any mortgage that is not guaranteed or insured by the federal government.Ā
FHA
Home loans provided by the Federal Housing Administration (FHA) may make it easier for you to buy a home.
VA
If youāre a military veteran or still in active service, you may qualify for a U.S. Department of Veterans Affairs (VA) loan.
USDA
There are many benefits of a USDA home loan. One of the biggest benefits is that no down payment is required.
CONVENTIONAL
Conventional loans are any mortgage that is not guaranteed or insured by the federal government.Ā
FHA
Home loans provided by the Federal Housing Administration (FHA) may make it easier for you to buy a home.
VA
If youāre a military veteran or still in active service, you may qualify for a U.S. Department of Veterans Affairs (VA) loan.
USDA
There are many benefits of a USDA home loan. One of the biggest benefits is that no down payment is required.
What We Do
Weāre making getting a mortgage easier than ever before. NEXA Mortgage LLC has an experienced team of brokers on staff.
Home Purchase Loans
Secure a home purchase loan that utilizes todayās great mortgage rates to make your dream homeĀ affordable.
FastĀ Funding
Seize opportunity as soon as you can with our fast funding options, giving you the freedom to cure that houseĀ fever.
Cash-OutĀ Refinance
Take advantage of your homeās equity with aĀ cash-out refinance. Itās your cash ā spend itĀ how you seeĀ fit.
RefinanceĀ Rates
Lock in great terms with current interest rates to ensure your home remains affordableāor build more equity with anĀ update!
Evaluate YourĀ Property
Know where you stand. With a property evaluation in hand, youāll have better access to your options so you can see the nextĀ move.
RateĀ Comparisons
Donāt just take the first offer. Shop around. Use our rate comparisons to find the best possible plan for your home ownershipĀ strategy.
VIRTUAL HOME BUYING SEMINAR
Whether youāre just starting out or ready to close, our home-buying workshop offers everything you need to know as you prepare to buy a home:
- Understand your costs upfront
- Determine a price range thatās comfortable for you
- Find out how a real estate agent can help you
- Learn how your credit score can impact your loan
- Organize paperwork for a smoother loan process
GET A LOAN WITHOUT THE HASSLE
Weāre here to make the home loan process easier, with tools and knowledge that will help guide you along the way. Start with a fast, personalized rate quot