Get a Great Mortgage Rate

Use one of our quick & easy tools to find out what you qualify for, FREE!

Purchase Qualifier
Refinance Qualifier

Get a Great Mortgage Rate

Use one of our quick & easy tools to find out what you qualify for, FREE!

Purchase Qualifier
Refinance Qualifier

Hi, 👋 I’m 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.

Apply Now

NMLS ID# 212011

Loan Officer

Call or Text: (831) 229-5044

SEARCH HOMES FOR SALE

You need to get moving. Use a Pre-Qualification Letter to get the process started.

REFINANCE ANALYSIS

We'll crunch the numbers so you'll know exactly how much money you can save.

PRE-QUALIFICATION LETTER

Browse rate comparisons to see which individual mortgage terms make the most sense for you.

HOME INSURANCE QUOTE

Don't just leap at the next opportunity—take the time to search.

FREE TOOLS

YOUR TIME & MONEY MATTER. LET’S NOT WASTE EITHER.

From fast, custom digital quotes to a completely streamlined online loan application and approval process, you can get your money and do what you want with it — usually in less than 30 days.
FREE TOOLS

YOUR TIME & MONEY MATTER. LET’S NOT WASTE EITHER.

From fast, custom digital quotes to a completely streamlined online loan application and approval process, you can get your money and do what you want with it — usually in less than 30 days.

SEARCH HOMES FOR SALE

You need to get moving. Use a Pre-Qualification Letter to get the process started.

REFINANCE ANALYSIS

We'll crunch the numbers so you'll know exactly how much money you can save.

PRE-QUALIFICATION LETTER

Browse rate comparisons to see which individual mortgage terms make the most sense for you.

HOME INSURANCE QUOTE

Don't just leap at the next opportunity—take the time to search.

TYPES OF LOANS

PREPARE FOR THEBEST MORTGAGE EXPERIENCE

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. 

FHA

Home loans provided by the Federal Housing Administration (FHA) may make it easier for you to buy a home.

VA

If you’re 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. 

FHA

Home loans provided by the Federal Housing Administration (FHA) may make it easier for you to buy a home.

VA

If you’re 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.

SEE ALL MORTGAGE BENEFITS

What We Do

We’re 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 today’s great mortgage rates to make your dream home affordable.

Fast Funding

Seize opportunity as soon as you can with our fast funding options, giving you the freedom to cure that house fever.

Cash-Out Refinance

Take advantage of your home’s equity with a cash-out refinance. It’s your cash — spend it how you see fit.

Refinance Rates

Lock in great terms with current interest rates to ensure your home remains affordable—or build more equity with an update!

Evaluate Your Property

Know where you stand. With a property evaluation in hand, you’ll have better access to your options so you can see the next move.

Rate Comparisons

Don’t just take the first offer. Shop around. Use our rate comparisons to find the best possible plan for your home ownership strategy.

VIRTUAL HOME BUYING SEMINAR

Whether you’re 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 that’s 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
REGISTER FOR A VIRTUAL HOME BUYING SEMINAR

GET A LOAN WITHOUT THE HASSLE

We’re 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