Alwin Simanjuntak
Mortgage Loan Officer
NMLS ID#1986605
📱 (704) 326-9772
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Start Your Financial Journey With Us
Checkout Our Best Loan Programs That Suits Your Lifestyle & Goals
NEXA Mortgage is a Mortgage Broker lending to consumers looking to own a home or refinance their existing. Experience the best of mortgage loan services with your dedicated Mortgage Loan Officer, Alwin Simanjuntak. Whether you’re a first-time homebuyer or looking to refinance your current mortgage. He will walk you through every step of the process. With unwavering dedication and an in-depth knowledge, it’s never been easier to find the right mortgage loan. Connect with Alwin Simanjuntak today to take the first step toward homeownership and see your dreams come true.
Our Services
Loan Programs
NEXA Mortgage offers programs and pricing you and your clients will love. With processing, underwriting, and local appraisers that truly know our market. In addition, we provide Aggressive Loan packages with rates that are competitive with or even lower than those offered by our competitors.
FHA,VA & USDA RD
Reduced initial payouts and widened eligibility criteria.
FHA allows loans with a minimum FICO score of 500.
Home Ready & Home Possible
Qualified borrowers can benefit from decreased mortgage insurance and obtain 97% financing.
Renovation Programs
Streamline loans for renovations that let people buy homes and repair them up.
Zero Down Payment Options
Optional 0% down payment for first-time and returning homebuyers.
Vacant Land
Options that offer a minimum down payment of only 10%.
Conforming Fixed
Options that enable a down payment of up to 3%.
Jumbo Loans
Rates that are low for loans up to $3 million.
NEXA New
Financing is available for eligible borrowers who have experienced a financial setback, such as a short sale or bankruptcy.
Construction
A down payment of as little as %5 is required to secure financing for the building of a brand-new home.
Common Sense Portfolio Programs
Programs and choices that are adaptable for loans that don’t “fit in the box.”
Downpayment Assistant Programs
Eligible borrowers can choose from a variety of down payment and closing cost assistance options.
Home Equity Loans
Stand-alone closed-end second mortgages and lines of credit are offered as separate products or in combination with a first mortgage, allowing for a combined loan-to-value (CLTV) ratio of up to 95%.
Doctor Loans
Practicing physicians may be eligible for a mortgage with %0 down payment and no requirement for mortgage insurance.
Non Warrantable Condominium
Financing for newer condominium buildings that do not match traditional criteria.
Professional
Home loans for experienced professionals with as low as 3% down and no monthly mortgage insurance are available.
NON QM Loans
Instead of utilizing funds for a down payment, put it towards a reduced interest rate and a shorter loan term.
Get In Touch
Alwin Simanjuntak
Mortgage Loan Officer
🎓 NMLS# 1986605
📧 asimanjuntak@nexamortgage.com
MAIN OFFICE
3100 W Ray Ste#201 Office#209,
Chandler, AZ 85226
Get Approved for an FHA Loan Today!
What is FHA Loan?
The Federal Housing Administration (FHA) loan is a mortgage program that is popular, particularly for first-time homebuyers and those with lower credit scores or limited down payment funds. With an FHA loan, borrowers can put down as little as 3% of the purchase price, making homeownership more accessible and affordable.
Alwin Simanjuntak
Mortgage Loan Officer
NMLS ID#1986605
📱 (704) 326-9772
What is a Conventional Loan?
Any mortgage that isn’t backed or protected by the federal government is called a conventional loan. A conventional loan is not backed or insured by the government, but it does follow the rules set by Fannie Mae and Freddie Mac, which are government-sponsored companies.
“Conforming” and “non-conforming” loans are both types of conventional loans. Conforming loans follow the rules that Fannie Mae and Freddie Mac have set up. According to these rules, the most you can borrow for a first mortgage to buy a single-family home is $417,000. This amount may be higher depending on the loan limits in your area. It takes a higher value before the loan is no longer called a conventional loan if the purchase is for a two-family, three-family, or four-family dwelling.
Ready to Buy?
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fixed rate loans
- adjustable loans
- interest only loans
Fixed Rate
A fixed rate loan has a fixed interest rate and a fixed payment for the life of the loan (i.e. 30-years, 25-years, 20-years, 15-years, or 10-years). If you intend to stay in your house for many years, a fixed-rate loan is a fantastic option.
Interest Only
An interest-only loan needs payment solely for the interest accrued on the principal balance of the loan for a certain duration, such as five or ten years, while the principal sum remains unaltered throughout this period. Upon the expiration of the interest-only period, the loan’s principal sum is spread out and paid off throughout the remaining duration of the loan, typically spanning 20 or 25 years. If you desire greater flexibility, an interest-only loan presents itself as a commendable choice, as it entails smaller initial payments for the initial 5 or 10 years.
Adjustable Rate
Your payments and interest rate on an adjustable-rate loan will fluctuate in accordance with market developments. However, throughout the introductory period, which may last for three, five, or seven years, the rate and payment remain unchanged. Typically, the initial interest rate on an adjustable rate mortgage is lower than that of a fixed rate loan. Following the conclusion of the introduction period, periodic adjustments to the interest rate occur on average every six months. Interest rate fluctuations are determined by market interest rates, and adjustment limitations restrict the amount by which your rate can fluctuate during a given time period. When one’s intention is to minimize the duration of residence in a given house, an adjustable rate mortgage emerges as a favorable alternative.
Buy The Home You Deserve With VA Financing!
Why a VA Loan?
You may be qualified for a VA loan if you are a military veteran or are currently serving in the military. These usually require no down payment and have lower closing costs, which can help you save money.
About VA Home Loans
A veteran’s loan (VA loan) is a mortgage loan that is guaranteed by the Department of Veterans Affairs (VA) of the United States. The loan may be made by qualified lenders. The VA loan was designed to provide long-term financing to qualifying American troops and surviving spouses (who do not remarry).
We’ll help you understand the differences between loan programs so you can choose the best one for you, whether you’re a first-time home buyer or an experienced investor.
The VA Loan Process
Here’s how our home loan process works:
- Receive options based on your unique criteria and scenario
- Compare mortgage interest rates and terms
- Choose the offer that best fits your needs
☑️ Fixed-Rate Mortgage
☑️ Adjustable-Rates Mortgage (ARM)
☑️ Low Down Payments
☑️ Jumbo & Super Jumbo Loans
☑️ Terms of 15, 20, 25 and 30 years available for the fixed-rate mortgage products
Buy a Home Outside the City Limits with USDA!
Why a USDA Loan?
A USDA home loan has numerous advantages. One of the most significant advantages is that no down payment is necessary. Borrowers who qualify for a USDA home loan have the option of making no out-of-pocket payments for a down payment.
About USDA Home Loans
The United States Department of Agriculture (USDA) allows borrowers to own a residence outside of city borders. A USDA loan has various advantages, including lenient credit underwriting standards and no down payment.
Fixed Rate Mortgage
Low Mortgage Insurance
No Loan Limits
30-year fixed-rate loan
We’ll help you understand the differences between loan programs so you can choose the best one for you, whether you’re a first-time home buyer or an experienced investor.
The USDA Loan Process
Here’s how our home loan process works:
- Receive options based on your unique criteria and scenario
- Compare mortgage interest rates and terms
- Choose the offer that best meets your requirements
Get more buying power with a Jumbo Loan!
Why A Jumbo Loan?
Jumbo loans have numerous advantages. One of the most significant advantages is that financing choices are available up to $3,000,000. Many borrowers may find this convenient.
Fixed-Rate Mortgage
Adjustable-Rates Mortgage (ARM)
Conforming Loans
Jumbo & Super Jumbo Loans
FHA, VA & USDA Loans
Terms from 5 to 30 Years
About Jumbo Home Loans
A jumbo loan is one that surpasses Fannie Mae and Freddie Mac’s conforming lending limitations. Except for Alaska, Hawaii, Guam, and the United States Virgin Islands, the ceiling is $510,400 as of 2020. The limit in the Virgin Islands is $765,600. Jumbo loan rates may be slightly higher because lenders are often more risky.
We’ll help you understand the differences between loan programs so you can select the best one for you, whether you’re a first-time home buyer or a repeat buyer.
The Jumbo Loan Process
Here’s how our home loan process works:
Receive options based on your unique criteria and scenario
Compare mortgage interest rates and terms
Choose the offer that best fits your needs
IS A 15-YEAR FIXED-RATE MORTGAGE RIGHT FOR YOU?
Fixed-rate loans are often not that much more expensive than adjustable-rate mortgages when interest rates are low, and they may be a better value in the long term because you can lock in the rate for the duration of your loan.
☑️ Fixed-Rate Mortgage
☑️ Adjustable-Rates Mortgage (ARM)
☑️ Conforming Loans
☑️ Jumbo & Super Jumbo Loans
☑️ FHA, VA & USDA Loans
☑️ Terms from 5 to 30 Years
Mortgage Home Purchase Loans without the Hassle!
Need to finance a home or another type of real estate? Choosing a purchase loan product that meets your needs and obtaining a favorable rate does not have to be unpleasant!
We’re here to help you through the home loan process by providing you with resources and knowledge to support you along the road, beginning with a request for a pre-qualification letter.
We’ll help you understand the differences between loan programs so you can choose the best one for you, whether you’re a first-time purchaser or a repeat buyer.
The Home Purchase Loan Process
Here’s how our home purchase loan process works:
- Receive options based on your unique criteria and scenario
- Compare mortgage interest rates and terms
- Choose the offer that best fits your needs
Is A 30-Year Fixed-Rate Mortgage Right For You?
With the ability to lock in a rate for the duration of your loan, fixed-rate loans are typically not all that much more expensive than adjustable-rate mortgages when interest rates are low.
☑️ Fixed-Rate Mortgage
☑️ Adjustable-Rates Mortgage (ARM)
☑️ Conforming Loans
☑️ Jumbo & Super Jumbo Loans
☑️ FHA, VA & USDA Loans
☑️ Terms from 5 to 30 Years
About 30-Year Fixed-Rate Loans
The classic 30-year fixed-rate mortgage has a fixed interest rate and fixed monthly payments. If you want to stay in your home for many years, a 30-year fixed-rate loan may be an excellent alternative.
We’ll help you understand the differences between loan programs so you can choose the best one for you, whether you’re a first-time home buyer or an experienced investor.
Is a Reverse Mortgage Right for You?
By allowing you to access the home equity you’ve worked so hard to build, a reverse mortgage pays off your current mortgage, if you have one. After paying off your current mortgage, you are free to do with the remaining funds as you like.
- Full or Partial Lump Sum
- Line of Credit
- Monthly Payments
- Combination of Any of These
Our Reverse Mortgage Rates Are Low & Our Process is Quick & Painless
A reverse mortgage is a loan that is available to anyone over the age of 62. The FHA guarantees HECM reverse mortgage loans, which allow homeowners to turn their home equity into cash while making no monthly mortgage payments.
We’ll help you understand the differences between loan programs so you can choose the best one for you, whether you’re a first-time home buyer or an experienced investor.
Why a 203K Loan?
The main advantage of these loans is that they allow you to purchase a home in need of renovations that you would not have been able to purchase otherwise. Furthermore, the down payment requirements are small, and interest rates are frequently competitive.
- Fixed Rates
- Adjustable Rates (ARM)
- Minimal Down Payments
- Terms from 5 to 30 Years
Our 203K Loan Rates Are Low & Our Process is Quick & Painless
A buyer who wants to purchase and renovate an older or damaged home may be eligible for an FHA 203K loan, which is backed by the federal government. How it works is as follows: Assume you want to purchase a home that needs a new kitchen and bathroom. The money to buy (or refinance) the house as well as the money to finish the essential kitchen and bathroom modifications would subsequently be given to you by an FHA 203K lender.
The loan will frequently also include one or both of the following: 1) an up to 20% contingency reserve so that you will have the money to finish the remodel in the event that it ends up costing more than the estimates suggested; or 2) a provision that allows you to defer up to about six months of mortgage payments so you can live somewhere else while you’re remodeling but still make payments on the new home.
We’ll help you understand the differences between loan programs so you can choose the best one for you, whether you’re a first-time home buyer or an experienced investor.
The 203K Loan Process
Here’s how our home loan process works:
- Receive options based on your unique criteria and scenario
- Compare mortgage interest rates and terms
- Choose the offer that best fits your needs
The Lowdown On HARP Loans…
Why A HARP Loan?
If your conforming, conventional mortgage is underwater, you might be able to refinance without reducing the principle balance or paying mortgage insurance.
- Fixed Rates
- Adjustable Rates (ARM)
- Keep Your Home
- Terms from 5 to 30 Years
Our HARP Loan Rates Are Low & Our Process Is Quick & Painless
The Federal Housing Finance Agency established the Home Affordable Refinance Program (HARP) in March 2009 to assist underwater and nearly underwater households refinancing their mortgages.
We’ll assist you in properly understanding the distinctions between the available HARP loan alternatives so you can select the best one for you.
The HARP Loan Process
Here’s how our home loan process works:
- Receive options based on your unique criteria and scenario
- Compare mortgage interest rates and terms
- Choose the offer that best fits your needs
Adjustable Rate Mortgages – Do I Qualify?
The lower initial payment of adjustable-rate mortgages attracts the majority of homebuyers, who often refinance the loan once the fixed period is over. When that happens, the interest rate turns variable or adjustable, and the homeowner will probably either sell the house outright or refinance into another ARM or something fixed.
- Fixed Rates
- Adjustable Rates (ARM)
- Conforming Loans
- Jumbo & Super Jumbo Loans
- FHA, VA, & USDA Loans
- Terms from 5 to 30 Years
Our Adjustable Rates Are Low & Our Process is Quick & Painless
An adjustable rate mortgage, or ARM, exists. The interest rate on an ARM will fluctuate throughout the course of the loan, unlike fixed rate mortgages whose interest rate is fixed for the duration of the loan. An ARM may be a smart alternative to take into account if you only want to keep your house for a short period of time, you anticipate an increase in future income, or the current interest rate for a fixed mortgage is too high. This is because the initial interest rate of an ARM is lower than that of a fixed rate mortgage.
Whether you’re a first-time home buyer or an experienced investor, we’ll help you clearly comprehend the differences between loan programs so you can select the one that’s best for you.
The Adjustable Rate Mortgage Loan Process
Here’s how our home loan process works:
- Receive options based on your unique criteria and scenario
- Compare mortgage interest rates and terms
- Choose the offer that best fits your needs
Looking to Lower Your Interest Rate and Monthly Payment?
WHY REFINANCE?
The process of refinancing entails replacing your current mortgage with a new one. Refinancing a mortgage often involves lowering the interest rate and monthly payment as well as altering the term (or length) of the loan. Additionally, you can refinance to withdraw money from the equity in your house.
✅ Fixed-Rate Mortgage
✅ Terms From 5 Up To 30 Years
✅ Adjustable-Rates Mortgage (ARM)
✅ FHA, VA & USDA Loans
✅ Conforming Loans
✅ Jumbo & Super Jumbo Loans
Alwin Simanjuntak
Mortgage Loan Officer
Mortgage Home Refinance Loans without the Hassle!
Need choices for financing a house or other real estate? It doesn’t have to be difficult to select a refinance loan package that meets your needs and ensures you obtain a good rate.
Starting with a request for a pre-qualification letter, we’re here to make the home refinance process simpler for you by providing you with the resources and expertise you’ll need to aid you along the road.
Whether you’re a first-time home buyer or a seasoned house buyer, we’ll help you understand the differences between financing programs so you can pick the one that’s best for you.
The Home Refinance Loan Process
Here’s how our home Refinance loan process works:
✅ Complete our simple mortgage pre-qualification letter request
✅ Receive options based on your unique criteria and scenario
✅ Compare mortgage interest rates and terms
✅ Choose the offer that best fits your needs
Loan Process
Required Documents
The approval of the loan will require the following paperwork. I suggest you begin gathering these documents together.
IDENTIFICATION
- Driver’s license(s): Scanned copies work well since photocopies and faxes may have less resolution than the original.
- Social Security card(s).
- If you are not a US citizen, a copy of the front and back of your green card(s).
INCOME
- Your paystub(s) covering the last 30 consecutive days (must include a year-to-date income).
- W-2 Forms for the last 2 years.
- Award letter for any social security and/or disability income. Should show income to continue for the next 3 years.
- Retirement award letters. Should show income to continue for the next 3 years.
- Last 2 years personal federal income tax returns with all pages and all schedules. These must be signed and dated.
- If you are self-employed, please provide a copy of any applicable licenses for your business.
ASSETS
- Last 2 months of bank statements. These must include all pages of the statement(s) even if the last page is blank. Internet copies are acceptable as long as they contain bank name, account number, your name and 60 days history. Statements with redacted information are not acceptable.
- Last quarterly statement for all listed other asset accounts. This will include 401(k), IRA, stock accounts, and mutual funds. Must include all pages of statement even if last page is blank.
IF PURCHASING
- Fully executed sales contract completed by all parties (Realtors, sellers, and buyers) with all signed addendums ( any required documentation per said addendums).
- Proof earnest money deposit has cleared your bank. A picture of the cleared check (front and back) should be available through your bank’s online access.
- Copy of sales contract on existing home if you are selling current home.
VA STREAMLINE
- Recent Mortgage Statement
- Current Mortgage Note
- Homeowners Insurance Declaration Page
- Copies of Drivers License and Social Security Cards
- Copy of DD214 (VA Eligibility Form)
- VA Disability Letter (If Applicable)
- Second Mortgage Information (If Applicable)
- Homeowners Association Documentation (If Applicable)
VA CASHOUT
- Recent Mortgage Statement
- Current Mortgage Note
- Homeowners Insurance Declaration Page
- Copies of Drivers License and Social Security Cards
- Copy of DD214 (VA Eligibility Form)
- Most recent two (2) months of bank statements (all pages)
- Most recent two (2) months’ pay stubs
- W-2 Forms from the past two (2) years
- Full 1040 Schedules from the past two (2) years (all pages)
- Assets documentation
- Trust agreement (If Applicable)
- VA Disability Letter (If Applicable)
- Second Mortgage Information (If Applicable)
- Homeowners Association Documentation (If Applicable)
MISCELLANOUS
- If you own other real property (rental or second homes). Please provide hazard insurance declarations page, property tax statements, leases, and a copy of the current mortgage on all properties.
- If applicable, a signed copy of your complete divorce decree.
- If you receive child support, alimony, or separate maintenance and wish this to be considered as income, provide proof of receipt for the last 12 months.
- If you have previous bankruptcy, a copy of discharge or dismissal paperwork.
IF REFINANCING
- Most recent mortgage statement(s) for your current loan(s) for all properties.
- Hazard Insurance Information: a copy of your hazard insurance declarations page or provide the name, company, phone number, and policy number for your homeowner’s insurance. * The following items should be in the file you received after your last closing on this property.
- Copy of current Title Insurance policy and attached schedules. (If you can locate as it is not required).
- Copy of HUD Settlement Statement or Closing Disclosure from your last transaction.
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About NEXA Mortgage LLC
NEXA Mortgage is a Mortgage Broker lending to consumers looking to own a home or refinance their existing. Our mission is to serve our customers with honesty, integrity, and competence while providing an exceptional customer experience. Our goal is to provide home loans to consumers nationwide while supplying them with the lowest interest rates and closing costs possible. We pledge to help borrowers overcome roadblocks that can arise while securing a loan and strive to offer the best payment plan along with the best terms imaginable.
Get In Touch
Alwin Simanjuntak
Mortgage Loan Officer
🎓 NMLS# 1986605
📱 (704) 326-9772
📧 asimanjuntak@nexamortgage.com
MAIN OFFICE
3100 W Ray Ste#201 Office#209,
Chandler, AZ 85226
NMLS #1660690
AZMB #0944059
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