Danny Ott Senior Mortgage Originator Β· NEXA Lending
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Loan Programs

Every Loan Option, All in One Place

With access to 50+ lenders, Danny finds the right loan program for your unique financial situation β€” whether you're buying, refinancing, or investing.

🏠

Conventional Loans

The most common mortgage type. Ideal for buyers with good credit and stable income. Available with as little as 3% down.

  • Min 3% down payment
  • 620+ credit score
  • Fixed & adjustable rates
  • No upfront mortgage insurance
πŸ›οΈ

FHA Loans

Government-backed loans designed to help first-time buyers and those with lower credit scores achieve homeownership.

  • Min 3.5% down payment
  • 580+ credit score
  • Higher debt-to-income allowed
  • Gift funds accepted
πŸŽ–οΈ

VA Loans

Exclusively for veterans, active-duty military, and eligible surviving spouses. One of the best loan programs available.

  • 0% down payment
  • No PMI required
  • Competitive interest rates
  • No prepayment penalty
🌾

USDA Loans

Government-backed loans for rural and suburban homebuyers who meet income requirements.

  • 0% down payment
  • Income limits apply
  • Property must be in eligible area
  • Low mortgage insurance
πŸ’Ž

Jumbo Loans

For loan amounts exceeding conforming limits. Ideal for high-value properties in the DC metro area.

  • Loans above $766,550
  • 720+ credit score typical
  • 10-20% down payment
  • Competitive rates available
πŸ“ˆ

Adjustable Rate (ARM)

Start with a lower fixed rate for an initial period, then adjust annually. Great for buyers who plan to move or refinance.

  • Lower initial rate
  • 5/1, 7/1, 10/1 ARM options
  • Rate caps protect you
  • Good for short-term ownership
πŸ”¨

Fix & Flip Loans

Short-term financing for real estate investors. Quick access to capital to purchase, renovate, and sell properties.

  • Fast approval process
  • Based on ARV (after-repair value)
  • Interest-only options
  • 6-18 month terms
πŸ”„

203k Renovation Loans

Buy a fixer-upper and finance the renovations all in one loan. Perfect for buyers who want to customize their home.

  • Purchase + renovation in one loan
  • FHA-backed
  • 3.5% down payment
  • Licensed contractor required
🏑

Reverse Mortgage

For homeowners 62+. Convert your home equity into tax-free cash while continuing to live in your home.

  • Age 62+ required
  • No monthly mortgage payments
  • Tax-free proceeds
  • Stay in your home

Not Sure Which Loan is Right for You?

Danny will help you find the perfect fit. Free consultation β€” no obligation.

Apply Now πŸ“ž (571) 259-4738
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Home Custom
Purchase
Loan Options
Home Equity
Refinance
About
Get In Touch
Your Site Title
Home Custom
Purchase
Loan Options
Home Equity
Refinance
About
Get In Touch
Home Custom
Purchase
Loan Options
Home Equity
Refinance
About
Get In Touch

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