Andy Lugo Lending
Get a Great Mortgage Rate
Use one of our quick & easy tools to find out what you qualify for, FREE!
I am a 17-year veteran mortgage broker. I graduated from Cal Poly, San Luis Obispo with a degree in Financial Management and worked for consumer finance companies for over 16 years. I believe in the importance of education and trust that when presented with the appropriate information, clients make the choice that is best for their families. Unfortunately, some lenders only provide one option - that is sometimes the option that is best for them. Call/Email me today for a conversation regarding your specific needs. No cost to you and no credit check required.
TYPES OF LOANS
PREPARE FOR THE BEST MORTGAGE EXPERIENCE
Our knowledgable staff will help you understand each loan program you qualify for, and help you make the best decision for you and your Family based on your situation
CONVENTIONAL
Conventional loans are any mortgage that is not guaranteed or insured by the federal government.
FHA
Home loans provided by the Federal Housing Administration (FHA) may make it easier for you to buy a home.
VA
If you’re a military veteran or still in active service, you may qualify for a U.S. Department of Veterans Affairs (VA) loan.
USDA
There are many benefits of a USDA home loan. One of the biggest benefits is that no down payment is required.
WHAT WE DO
We’re making getting a mortgage easier than ever before. NEXA Mortgage LLC has an experienced team of brokers on staff.
Home Purchase Loans
Secure a home purchase loan that utilizes today’s great mortgage rates to make your dream home affordable.
Fast Funding
Seize opportunity as soon as you can with our fast funding options, giving you the freedom to cure that house fever.
Cash-Out Refinance
Take advantage of your home’s equity with a cash-out refinance. It’s your cash — spend it how you see fit.
Refinance Rates
Lock in great terms with current interest rates to ensure your home remains affordable—or build more equity with an update!
Evaluate Your Property
Know where you stand. With a property evaluation in hand, you’ll have better access to your options so you can see the next move.
Rate Comparisons
Don’t just take the first offer. Shop around. Use our rate comparisons to find the best possible plan for your home ownership strategy.
GET A LOAN WITHOUT THE HASSLE
We’re here to make the home loan process easier, with tools and knowledge that will help guide you along the way. Start with a fast, personalized rate quot
Building Wealth: How Buying a Home Secures Your Financial Future
How to Improve Your Credit Score Before Applying for a Mortgage
Get a Rate Quote in Just 30 Seconds!
Mortgage rates change daily and vary depending on your unique situation. Get your FREE customized quote here .