Do the online tools affect my credit?

No. They run entirely on the information you type in. There is no credit pull until you formally apply with a licensed loan officer and give consent.

Which states do you serve?

Nexus Lending Group serves clients across Ohio and Pennsylvania.

Designed for real estate investors, DSCR loans qualify borrowers primarily based on the rental income generated by the property rather than traditional personal income documentation. The Debt Service Coverage Ratio compares the property’s rental income to its monthly debt obligations. This can be a flexible financing option for investors purchasing or refinancing rental properties, including single-family homes and eligible investment properties. We help match your property and investment goals with competitive DSCR loan options from multiple lenders.

How much down payment do I need?

It depends on the program. FHA loans can go as low as 3.5% down, many conventional programs start at 3–5%, and VA loans often require nothing down for eligible borrowers. The payment calculator will show you the tradeoffs for your numbers.

How long does the process take?

Most purchase loans close in 30–45 days from a complete application, and refinances are often faster. We will give you a specific timeline once we see your file.

Answers in minutes, not days

Know your real budget before the house hunt begins.

You get one licensed loan officer who handles your file personally and takes it to multiple lenders. No queue, no handoffs, no guessing.

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Licensed in Ohio & Pennsylvania
NMLS #2723165
No credit pull to start
One loan officer, start to finish

Your Trusted Partner in Home Financing

Over ten years of experience turning complicated financing into a straight line.

Years of mortgage experience

States licensed and serving

Core loan programs offered

0/7

Answers whenever you need them

Find your path

Find the loan that fits.

Nine programs, and a loan officer who will tell you honestly which ones are worth your time.

For every borrower

Mortgage Broker Services

We shop multiple lenders to find the best rates and terms for your unique situation — one application, a whole marketplace behind it.

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For buying a home

Home Purchase Financing

We help first-time buyers and seasoned homeowners secure competitive loans, from pre-approval through closing day.

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For improving your loan

Refinancing Solutions

Rate-and-term refinancing to lower your payment, or restructure your loan to match where your life is now.

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For flexibility

FHA Loans

Designed for buyers with lower credit scores or smaller down payments, FHA loans offer flexible qualification criteria.

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For using your equity

Cash-Out Refinance

Unlock the equity in your home to fund renovations, consolidate debt, or invest in other opportunities.

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For the strong file

Conventional Loans

Conventional loans provide flexible options for buyers with good credit and steady income.

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For the self-employed file

Non-QM & Bank Statement Loans

Qualify on 12 or 24 months of bank statements instead of tax returns — built for business owners and 1099 earners whose returns understate what they actually earn.

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For rental property investors

DSCR Loans

Qualify on the rental income the property itself produces rather than your tax returns — for investors buying or refinancing single-family rentals and other eligible investment property.

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For earned benefits

VA Loans

Earned benefits for eligible veterans, service members and surviving spouses — often with no down payment required.

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For getting ready

Planning Ahead

Before you apply, we map your documents, timeline and likely program so nothing on the way to closing is a surprise.

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Still weighing options? Tell us your situation and a licensed loan officer will lay out the realistic ones, with the tradeoffs spelled out.

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What can I afford?

Run the numbers before you apply.

Move the sliders and the monthly figure updates as you go. Nothing is stored and nothing touches your credit.

No sign-up required
No credit impact to explore
No obligation to move forward

Type an exact figure or drag the slider — both edit the same number. Tax, insurance, HOA and mortgage insurance are all included in the total.

Loan term30 years

Estimated monthly payment

$2,708.85/mo

Principal & interest

$2,076

Property tax

$500

Homeowners insurance

$133

PMI

None — you are putting 20% or more down, so no PMI applies.

HOA dues

Total monthly

$2,709

Loan $320,000LTV 80.0%Down $80,000

Home price

Down payment

This program normally needs 3% down at a minimum

Interest rate

Credit

Credit drives the PMI rate as well as the programs you qualify for.

Estimate only. Mortgage insurance, tax and insurance figures are industry assumptions, not quotes — your actual costs depend on the property, county, credit and lender. Not a commitment to lend. Nexus Lending Group, LLC, NMLS 2723165.

How it works

Four steps, start to closing.

The same loan officer stays on your file the whole way through. Here is the order it happens in, in plain language.

Ask anything

Get a straight answer on programs, documents and timelines — immediately, day or night.

Get matched

We narrow the field to the programs that suit your situation, with the numbers behind each one.

We shop lenders

A licensed loan officer takes your file to multiple lenders and negotiates rates and terms on your behalf.

Close with confidence

We stay on the file through underwriting, appraisal and closing — with clear communication at each step.

In their words

Homeowners we have helped.

Worked with us? Tell the next buyer.

A few sentences about how it went is worth more to someone deciding than anything we could write ourselves. We read every one, and nothing appears on the site until we have checked it.

FAQ

Questions we hear every week

A mortgage broker is a licensed professional who acts as an intermediary between you and multiple lenders. We assess your situation, organize your documents, present your application to several lenders, negotiate rates and terms, and help you understand loan types. We are not a lender ourselves — we work on your behalf.

Ready when you are

Let us find your number.

Ten minutes with a loan officer will tell you more than a week of rate-shopping. No credit impact, no obligation.

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Or call (614) 626-0095 · Mon – Fri: 9:00 AM – 5:00 PM