Beyond reverse mortgages
Conventional Home Loans for North Bay Homebuyers
Marin and Sonoma reverse mortgages are my specialty, but I also help homebuyers of all ages purchase and refinance homes throughout California.
Quick Answer
In addition to reverse mortgages, I offer Conventional, FHA, and Jumbo home loans, along with several down payment assistance programs. NEXA Lending is one of the country’s largest mortgage brokers, with access to 200+ wholesale lenders. This allows me to shop your loan around to find the best rate and terms for your specific situation, rather than being limited to whatever one bank happens to have on the shelf that week.
Why Work With a Broker?
Brokers are your advocates. We work for you, not the bank.
A bank can only offer you its own rates, its own guidelines, and its own answer of yes or no. A broker works differently.
NEXA Lending is one of the country’s largest mortgage brokers, with relationships across more than 200 wholesale lenders nationwide. That means your loan doesn’t just go to one place — it gets shopped to find the best possible rate, terms, and program for your specific situation, whether you’re a first-time buyer, moving up, or refinancing a home you’ve owned for decades.
Through this network, our lenders offer:
- First-Time Homebuyer Loans
- Jumbo Loans
- 3-2-1 BuyDowns
- Doctor Loans
- First Responder Loans
- Bank Statement Loans
- Down Payment Assistance
- Asset Depletion
- DSCR (Debt Service Coverage Ratio)
- Fixed Rate and Adjustable Rate (ARMs)
- And more
What I offer
Loan Programs I Offer
Conventional Loans
Fixed and adjustable-rate options for buyers with steady income and solid credit — often the most straightforward path to homeownership.
FHA Loans
Backed by the Federal Housing Administration, FHA loans allow lower down payments and more flexible credit requirements, especially useful for first-time buyers.
Jumbo Loans
For homes that exceed conventional loan limits — common across Marin and Sonoma’s higher-value markets — jumbo loans open the door for move-up buyers and luxury purchases.
Down Payment Assistance
Several programs exist to help reduce or eliminate the upfront cash needed to buy a home. I can help you find out which ones you may qualify for.
“A Marin County native, I’m now based in Sonoma County and serve all of California.”
Buying, refinancing, or just want to know what you’d qualify for? I’m happy to walk through your options — no pressure, no obligation.
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