Alicia Fonteno, NMLS #2719799. Licensed Mortgage Loan Originator with NEXA Lending, LLC, NMLS #1660690. Licensed in Texas.
Common Mortgage Questions
General Queries Answered
Navigating mortgage options can be overwhelming, but we're here to help. Below, find answers to some of the most frequently asked questions regarding our mortgage services and the application process.
What mortgage programs do you offer?
Various mortgage programs are provided, tailored to meet diverse needs. This includes conventional loans, FHA loans, USDA loans, DSCR, and refinancing options. My goal is to find the right solution for you based on individual circumstances and financial goals.
How do I apply for a mortgage?
Applying for a mortgage is straightforward. You can start by filling out our online application form on the apply now tab or reach out directly for personalized assistance.
What documents are needed for approval?
To get approved for a mortgage, you'll need to provide a few key documents. These help verify your income, assets, and overall financial picture. Here's what’s typically required:
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Proof of income – such as recent pay stubs, W-2s, or tax returns (especially if you're self-employed)
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Bank statements – to show available funds for your down payment and closing costs
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A copy of your ID – like a driver’s license or other government-issued ID
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Credit information – your credit will be pulled as part of the process
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Employment details – including your employer's contact info or a recent offer letter if you’ve just started a new job
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Property information – if you're refinancing or already under contract on a home
Don’t worry if you’re unsure about what applies to you — you'll be guided through exactly what’s needed based on your situation.