Competitive Rates
Enjoy industry-leading mortgage rates tailored to your financial goals.
Read moreMortgage Loan Originator · Alabama and Louisiana
Nitashia Harris NMLS #2689850
— NEXA Lending
Finding the perfect home is exciting—securing the right mortgage should be just as easy. At NEXA Lending, we simplify the process, offering personalized loan options and expert guidance every step of the way.
A better way home
Smart, Simple, Secure
Your journey to homeownership should be hassle-free. Here’s how NEXA Lending stands out.
🏷️ Our services
Loan Options for Every Homeowner
We offer a range of mortgage products to suit your financial needs.
Conventional and FHA Loans
Standard home loans with flexible terms. NEXA Lending offers competitive interest rates and flexible terms, allowing you to choose the best repayment plan that fits your budget. Whether you're buying a new home or refinancing your current one, our team will guide you through the process and ensure a smooth experience.
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Jumbo Loans
Financing for high-value homes. These loans are designed for luxury homes, high-cost real estate markets, or buyers needing more borrowing power. SafeHaven Mortgage offers competitive rates and flexible loan terms to help you finance your dream home. Our team specializes in navigating the unique requirements of jumbo loans, ensuring a smooth approval process while securing the best possible terms for your investment.
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Down Payment Assistance
Down payment assistance programs can help make homeownership more accessible for many prospective buyers. They reduce initial financial burdens. They provide financial relief and support. They promote affordability and stability. They pave the way for ownership.
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DreamBuilder Program
Up to 96.5% financing for qualified homebuyers. Designed for renters ready to take a step toward homeownership. Flexible credit guidelines, including options for buyers rebuilding after hardship. Alternative income documentation accepted for self-employed and gig workers. Ability to build equity while living in the home. Limited waiting period after bankruptcy (as little as one day, eligibility required). No traditional rental history required for buyers living rent-free (reserves apply). First-time homebuyers welcome. Available to eligible ITIN holders and non-permanent residents. Credit score as low as 580 (or below with special review).
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DSCR
Business purpose loans for your investment property or portfolio loans available now. Air BnB, Condotel, STR, LTR, Mixed-use. LTV as low as 85%. Apply for financing today.
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Complimentary Credit Profile Analysis
With our comprehensive assessment, you can make more informed financial decisions and enhance your credit profile. 15 years of underwriting expertise comes with your credit profile analysis which will give you a more precise outlook on your approvability. Contact us today to learn more about how we can help improve your financial prospects.
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📖 Our story
About Nitashia Harris NMLS #2689850
Mortgage Loan Originator, Nitashia Harris (NMLS #2689850) in Alabama and Louisiana, has over 15 years of front line mortgage underwriting which will give you a strong advantage in the lending process because your loan will be pre-underwritten before it goes over to the Underwriter. This coupled with Mortgage Loan Origination provides a comprehensive understanding of your specific credit profile which will knock down any barriers that happens with other lenders experience. This expertise is invaluable!
This extensive experience also ensures personalized guidance and increased confidence in securing your mortgage.
📍 Locations
License in Alabama State Wide
💚 Kind words
Testimonials
Real homeowners, real experiences
★★★★★
“Working with Nitashia at Nexa Lending was the best decision we made during our home-building journey. They took our vision and turned it into a reality, guiding us through every step with patience and expertise.”
Jane S. · First Time Home Builder
★★★★★
“We had a complex renovation project that required a lot of coordination, and this team handled it seamless. We pulled cash out of our investment properties to expend our portfolio and all the loans closing at the same time was not an easy task, but Nitashia made all the difference. Delivering good and bad news timely was key. Her years of experience as an underwriter saved our loans. She is the only LO we will work with!”
Mark T. · Home Remodler
★★★★★
“From the moment we met this team, we knew we were in good hands. They listened to our needs, offered creative home finance solutions, and delivered that exceeded our expectations!”
David R · Homeowner
★★★★★
“Working with this mortgage lender was a pleasure from start to finish. Their professionalism and dedication to quality were evident in every aspect of our project. They kept us informed, met every deadline, and delivered a home that is not only beautiful but built to last. We couldn’t be more satisfied.”
Susan L. · Lauren H.
★★★★★
“As first-time homeowners were nervous about the process, but Nitashia and her team made it easy and enjoyable. They took the time to explain every detail and worked tirelessly to make sure our new home was exactly what we wanted. The result is a home that perfectly reflects our style and fits our family’s needs.”
Linda M. · Home builder
★★★★★
“We needed a complete renovation of our multi-use office space. Hard money loan was the way to go. We got our office space renovated and ready for more renovation projects.”
Cassie Liu · Business Owner
★★★★★
“We found the perfect home and our realtor negotiated all the right terms with the builder. I mean granite counter tops, new deck, refined landscaping I mean we were really excited. Well, we got to underwriting and eventually got denied. We were devastated. The realtor reached out to Nitashia and she put us in the DreamBuilder program and we were able to close, on the same new construction home we loved. She is amazing!”
Jessica Z. · Blemished Credit
Ready to take the next step?
Your Future Home Awaits
Don’t wait to secure your dream home! Contact Nitashia Harris with NEXA Lending today for expert guidance, personalized loan options, and competitive rates. Let’s make homeownership a reality together.
Call or Email to Get Started❔ Frequently asked questions
FAQs
Here are some answers to commonly asked questions.
What is the minimum credit score for a mortgage?+
Most lenders require a minimum credit score of 620, but we have programs with credit scores as low as 500.
How long does the mortgage process take?+
Normally 30 days or less.
What are your rates for services?+
Our rates vary depending on the credit profile and product. Call me today to discuss the best option for you. 313-953-1638
Can I refinance my home if I have bad credit?+
It depends on your situation, but we offer options for homeowners with lower credit scores or blemished credit.
Do you offer down payment assistance?+
Yes! We have programs to help first-time buyers with down payments without income restrictions.
☎ Get in touch
Contact Us
Use the contact form or call us at 313-953-1638 or email nharris@nexalending.com to book your free consultation. We’ll discuss your financial situation and get you the best rates we possibly can!