I N S U R E N
5559 S Sossaman Rd Building 1 #101, Mesa, AZ 85212

Office Address

  • 5559 S Sossaman Rd Building 1 #101, Mesa, AZ 85212
  • acharney@nexalending.com
  • (443) 253-1188

Social List

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 have Aggressive Loan programs that you’d be hard-pressed to find anywhere else at very aggressive rates.

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 have Aggressive Loan programs that you’d be hard-pressed to find anywhere else at very aggressive rates.

TYPES OF LOANS

FHA,VA&USDA RD

Smaller down payments and expanded qualifying ratios. We can lend down to a 500 FICO score on FHA.ㅤㅤㅤㅤㅤㅤㅤㅤㅤㅤㅤㅤㅤㅤ

Jumbo Loans

is a type of mortgage that exceeds conforming loan limits, often requiring stricter credit requirements and larger down payments.

203k Loans

FHA-backed loans that combine home purchase and renovation costs into one mortgage for fixer-uppers.ㅤㅤㅤㅤㅤㅤㅤㅤㅤㅤㅤㅤㅤ

NON QM Loans

Rather than using cash for a down payment apply it towards a lower interest rate and shorter loan term.ㅤㅤㅤㅤㅤㅤㅤㅤㅤㅤㅤㅤㅤ

Renovation Programs

Streamline renovation loans that allow for the purchase and rehab for a home.ㅤㅤㅤㅤㅤㅤㅤㅤㅤㅤㅤㅤㅤㅤㅤㅤㅤㅤㅤㅤㅤㅤㅤㅤㅤㅤㅤㅤㅤㅤㅤㅤㅤㅤㅤㅤㅤㅤㅤㅤ

Conventional Loans

A conventional loan is a mortgage not insured by the government, typically requiring a higher credit score and down payment.ㅤㅤㅤㅤㅤㅤㅤㅤ

Adjustable-Rate Mortgage (ARM)

An Adjustable Rate Mortgage has an interest rate that fluctuates over time, starting with an initial fixed rate period.

Reverse Mortgages

A reverse mortgage allows homeowners, typically 62 or older, to convert home equity into cash, repaid when they sell or move.ㅤㅤㅤㅤㅤㅤㅤㅤㅤㅤㅤㅤ

Frequently Asked Questions

To get pre-approved for a Virginia home loan, contact Chesapeake Bay Mortgage at 443-253-1188 and complete a short online application at chesapeakebaymortgage.com. Adam Charney will review your income, credit, and savings, then provide a pre-qualification letter, usually within one business day, that you can use to make offers on homes.

Chesapeake Bay Mortgage, Empowered by NEXA Lending, offers every major Virginia home loan type, including conventional loans, FHA loans, VA loans for veterans and active military, USDA rural loans, jumbo loans for higher-priced homes, and first-time homebuyer programs. With access to 270+ wholesale lenders, Adam Charney can match each buyer with the loan and rate that fits their situation.

Most Virginia homebuyers need between zero and five percent down depending on the loan program. VA loans and USDA loans require zero percent down, FHA loans require 3.5 percent down, and conventional loans can start at three percent down for qualified first-time buyers. Adam Charney can calculate your exact down payment and closing costs during a free pre-qualification call.

Most home purchases close in 30 to 45 days from contract to closing, depending on the loan type and how quickly documents are submitted. Chesapeake Bay Mortgage works to keep purchase loans on track with proactive communication, and VA loans and FHA loans typically close on the faster end of that range.

Yes, Chesapeake Bay Mortgage specializes in home purchases throughout Cape Charles, the Virginia Eastern Shore, and Hampton Roads. Owner Adam Charney lives in Cape Charles and serves as Mayor, so he understands local property types, flood zones, coastal insurance requirements, and the specific lender programs that work best in Northampton County and the surrounding region.