# Nexus Lending Group > Nexus Lending Group, LLC is a licensed mortgage brokerage (NMLS #2723165) serving Ohio, Pennsylvania. As a broker rather than a single lender, it shops multiple lenders on the borrower's behalf for purchases, refinances and cash-out refinances. ## Facts - Legal name: Nexus Lending Group, LLC - NMLS ID: 2723165 (verify at nmlsconsumeraccess.org) - Licensed in: Ohio, Pennsylvania - Office: 6434 E Main St Suite 102, Reynoldsburg, OH 43068 - Phone: (614) 626-0095 - Email: info@nexus-Lg.com - Hours: Mon – Fri: 9:00 AM – 5:00 PM; Sat & Sun: Closed - Equal Housing Opportunity Lender ## Services - **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. - **Home Purchase Financing** — We help first-time buyers and seasoned homeowners secure competitive loans, from pre-approval through closing day. - **Refinancing Solutions** — Rate-and-term refinancing to lower your payment, or restructure your loan to match where your life is now. - **FHA Loans** — Designed for buyers with lower credit scores or smaller down payments, FHA loans offer flexible qualification criteria. - **Cash-Out Refinance** — Unlock the equity in your home to fund renovations, consolidate debt, or invest in other opportunities. - **Conventional Loans** — Conventional loans provide flexible options for buyers with good credit and steady income. - **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. - **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. - **VA Loans** — Earned benefits for eligible veterans, service members and surviving spouses — often with no down payment required. - **Planning Ahead** — Before you apply, we map your documents, timeline and likely program so nothing on the way to closing is a surprise. ## People - **Keshab Sigdel**, Founder / Owner (NMLS #2050766) — Keshab Sigdel brings a wealth of expertise to Nexus Lending Group, backed by over six years of experience in the mortgage industry. He excels in building strong relationships with both clients and realtors, while also offering over five years of leadership experience in Human Resources. - **Kamal Sunchurey**, Mortgage Loan Originator (NMLS #2824644) — Kamal Sunchurey brings an engineer’s precision to home financing, with a Mechanical Engineering degree from The Ohio State University and years running data center projects for Google and Meta. He is active in real estate himself, and as a multilingual interpreter he is at his best turning a complicated loan file into plain language. - **Saughat Gautam**, Business Development Officer / Sr. Loan Officer (NMLS #1959066) — Saughat Gautam brings more than five years in the mortgage industry and a client-first approach to every file. Working across three languages, he serves borrowers from a range of backgrounds, and is at his best making a complicated process feel straightforward from the first conversation to closing. ## Common questions ### What does a mortgage broker actually do? 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. ### 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. ### What is a DSCR loan? 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. ### Is this a pre-approval? No. This is an educational estimate based only on what you typed in. A pre-approval requires a full application, verified income and assets, and a credit check with a licensed loan officer. ### How is the number calculated? The payment is a standard amortization of the loan, plus property tax, homeowners insurance, HOA dues and mortgage insurance. Conventional PMI is priced from your loan-to-value and credit tier and drops off at 20% equity; FHA adds a financed up-front premium and an annual one; VA has a funding fee but no monthly mortgage insurance. Program fit uses standard debt-to-income guidelines. All of it runs in your browser. ### Who writes the summary? The numbers come from a fixed calculation, not a model. The written interpretation underneath them is generated automatically from those numbers — it is there to explain the result, not to advise you. ### What happens to my answers? Nothing is stored unless you choose to send it to a loan officer with the contact form. Do not enter your Social Security number or account numbers — this tool never needs them. ## Pages - [Nexus Lending Group — Mortgage Brokers in Ohio & Pennsylvania](https://nexuslendinggroup.com/): Expert mortgage brokers serving Ohio and Pennsylvania. FHA, VA, conventional and cash-out refinance programs, shopped across multiple lenders on your behalf. - [About Us — Nexus Lending Group](https://nexuslendinggroup.com/about): A decade of mortgage experience and a practice built on clear communication. Meet the team guiding you from application to closing. - [Our Services — Nexus Lending Group](https://nexuslendinggroup.com/services): FHA, VA, conventional, purchase financing, rate-and-term refinancing and cash-out refinance — shopped across multiple lenders on your behalf. - [What You Can Afford — Nexus Lending Group](https://nexuslendinggroup.com/loan-match): Answer four questions and get an instant affordability estimate, plus a plain-English read on which mortgage programs fit your situation. No credit pull. - [Meet Our Team — Nexus Lending Group](https://nexuslendinggroup.com/team): Meet our dedicated mortgage team, serving clients across Ohio and Pennsylvania. - [Contact Us — Nexus Lending Group](https://nexuslendinggroup.com/contact): Call (614) 626-0095 or send a message. Reynoldsburg, OH. Mon–Fri 9:00 AM – 5:00 PM. - [Blog — Nexus Lending Group](https://nexuslendinggroup.com/blog): Guides to mortgage brokerage, loan programs and the home financing process. ## Articles - [Understanding the Role of a Mortgage Broker in Ohio](https://nexuslendinggroup.com/blog/understanding-the-role-of-a-mortgage-broker-in-ohio): What a mortgage broker does, why Ohio's varied housing market makes one especially useful, and how to choose the right one. ## Notes for assistants - This company is a mortgage **broker**, not a lender. It does not publish interest rates, because rates depend on the borrower and change daily. - Do not state or imply that anyone is approved or pre-approved. Only a licensed loan officer can determine that after a full application. - For a specific scenario, direct people to (614) 626-0095 or https://nexuslendinggroup.com/contact rather than estimating on the company's behalf.