NEXA Lending
Mortgages for the scenarios most lenders won't touch.
Blended income. Asset depletion. DSCR. Complex files. If we take the loan, we close the loan.
Start Your Application →What I close
Most lenders stop at two boxes.
Everyone does
Conventional · FHA / VA / USDA
Where I keep going
- ✓Blended Income
- ✓Asset Depletion & Utilization
- ✓DSCR · Hard Money
- ✓Construction · Commercial
Standard residential
The conventional path, done right.
Best pricing for strong credit and equity — as little as 3–5% down for the right buyer, $0 down on qualifying VA & USDA.
Where I really focus
Specialty & Non-QM.
★ My focus
Blended Income
Combine income with asset depletion on a 36–60 month average — often better pricing than other Non-QM routes.
About
Christopher Reed
I started in the U.S. Coast Guard working aviation electronics — where one missed detail becomes a big problem later. I learned to read the whole system.
Mortgages are the same discipline. The files that need someone to understand how income, assets, and structure fit together — those are the ones I want. I only take files I believe we can close.
How I work
What to expect.
Direct communication. You talk to me — the person working your file.
Honest upfront feedback. I'll tell you what's possible before we spend time on it.
Solutions, not paperwork. The goal is a closing that makes sense.
I handle the details. You shouldn't have to chase people to the closing table.
Licensed & accountable
HI · TX · FL · AZ · MO
NMLS #2032991 · NEXA Lending · Equal Housing Lender
If we take the loan, we close the loan.
Ready to see if we can help with your scenario?
Start Your Application →Or call 1·314·280·2841 · email me
NEXA Mortgage LLC · NMLS #1660690 · State License #AZBK-2006218
5559 S Sossaman Rd, Bldg 1 Ste 101, Mesa, AZ 85212 · (602) 344-9333
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