Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice. The content in this marketing advertisement has not been approved, reviewed, sponsored or endorsed by any department or government agency. Rates are subject to change and are subject to borrower(s) qualification.

Our pre-qualification form is a self-assessment tool to determine whether you may be qualified for the application process, and is not an application for, nor a guarantee of credit. A completed application must be provided for underwriting review before a loan decision can be made. A pre-qualification does not affect your credit score. The information you enter into the rate engine determines the loan products and rates displayed to you. Not all products are listed or programmed into the rate engine. If you don't see any products returned to your query, please contact us for details. This information does not guarantee loan approval, nor is it an offer or commitment to make a loan at the provided, estimated rates and terms. Interest rates and terms are subject to daily change without notice. Contact us for current rates. All loans are subject to credit, income, asset, identity, and property verification. An appraisal or alternative valuation may be required.

Rate locks are not effective until confirmed in writing. FHA/VA/USDA and other government programs are subject to eligibility rules. Non-QM and specialty products have distinct risks and pricing.

APR may vary based on points, fees, and other finance charges. APR is largely dependent on your personal current situation, including but not limited to, credit rating and history, your monthly salary, and your debt to income ratio. Not all rate options are shown. Not all rates shown may comply with qualified mortgage rules or pass the points and fees test. Interest rates and rate pricing move with the mortgage-backed securities market and therefore pricing can change daily and sometimes several times daily. The APR show is an estimate based on typical lender fees and may not actually be your APR. The APR represents lender fees, expressed as a percentage of the loan amount entered, and added to the interest rate. The APR is not your interest rate.

eLoansUSA is acting as an independent contractor and not as your agent. We enter into separate independent contractor agreements with various lending underwriters. While we seek to assist you in meeting your financial needs, we do not distribute the products of all lenders or investors in the market and cannot guarantee the lowest price or best terms available in the market.

eLoansUSA is a DBA of NEXA Mortgage, LLC. NEXA Mortgage, LLC (“NEXA”, “we”, “us”, or “our”) is a mortgage broker/lender licensed in multiple U.S. jurisdictions.

Company NMLS ID: 1660690. Arizona Mortgage Banker/Broker license: AZMB #0944059. Primary corporate contact and headquarters addresses: 5559 S Sossaman Rd, Bldg 1, Suite 101, Mesa, AZ 85212. For licensing details, see our State Licensing Disclosures below and visit NMLS Consumer Access.

NEXA is an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, disability, familial status, sexual orientation, gender identity, or any other protected status under applicable law.

No Commitment. Website content is for informational purposes only and does not constitute a commitment to lend, an offer, or a rate lock. Accuracy & Timeliness. We strive for accuracy but do not warrant completeness or uninterrupted availability. Third-Party Links. We are not responsible for third-party sites linked from this website. No Legal, Tax, or Financial Advice. Please consult your own attorney, tax advisor, or financial professional. Geographic Restrictions. Products are not available in all states or for all loan amounts.

By providing a phone number or email, you agree that NEXA and its agents may contact you using autodialed, prerecorded, or artificial voice calls, text messages, and emails. Consent is not required to obtain credit. SMS: Reply STOP to cancel, HELP for help. Message and data rates may apply. Email: Use the unsubscribe link or email [email protected]. Calls: Ask our representative to update your preferences. By submitting an application electronically, you consent to transact via electronic records and signatures (ESIGN).

By applying, you authorize NEXA to obtain consumer credit reports and verify information with employers, financial institutions, and others. Multiple inquiries may impact your score.

We collect and process personal information to provide services, comply with regulations, and prevent fraud. See our Privacy Policy for details. Cookies and tracking are used for functionality, analytics, and advertising. Our sites may not respond to Do Not Track signals. We implement data safeguards, but no method is 100% secure.

NEXA prohibits discrimination and unfair, deceptive, or abusive practices. Complaints may be directed to [email protected] or to the CFPB at consumerfinance.gov/complaint.

Testimonials are individual and not necessarily representative. Comparisons and claims such as “best” or “lowest” may not reflect current conditions. Third-party logos remain property of their respective owners.

All site content, trademarks, logos, and trade dress are owned by NEXA or used with permission. Unauthorized use is prohibited.

We are committed to providing accessible services. If you encounter barriers, contact [email protected].