Work directly with a licensed mortgage loan officer on home purchase loans, refinancing and pre-approval. Get a clear view of what you qualify for, what it costs and how long it takes before committing to anything.
William McElhill, Mortgage Loan Originator at NEXA Lending. NMLS #2176490. Call (352) 988-4900.
A bank offers only its own loan products. As a mortgage broker, William can compare programs from multiple wholesale lenders, so you can see more than one option for rate, fees and terms before you choose. Availability depends on your situation and lender guidelines.
One person can help you plan the financing and the home search together, so your price range, offer and closing timeline stay in sync. You are always free to choose your own real estate agent and lender.
William helps buyers and homeowners across Central Florida, including Orlando, Winter Garden, Windermere, Clermont, Kissimmee, Lake County and Polk County. See <a href="/page/mortgage-broker-orlando-fl">Areas We Serve</a> for the full list. Lending in other states depends on licensing.
Options include conventional, FHA, VA, USDA, jumbo, DSCR and bank statement loans, plus refinance and reverse mortgage programs. Which ones fit you depends on your credit, income, down payment and the property. A short conversation is the fastest way to narrow it down.
It depends on the program. Some loans allow a low down payment and eligible VA and USDA borrowers may qualify with none, while others require more. Down payment assistance may also be available in Florida. All programs are subject to eligibility and lender approval.
Yes, in many cases. Along with standard documentation, some lenders offer bank statement loans that look at deposits instead of tax returns, and DSCR loans for investment properties that look at rental income. Terms and requirements vary by lender.
Yes. Second home and investment property financing is common in areas like Kissimmee, Davenport, Celebration and ChampionsGate. Requirements for these loans differ from a primary residence, so we review your plans for the property up front.
Start with a quick call or the online application. William will review your goals, explain which programs may fit and tell you which documents to gather. You can <a href="/contact-us">contact William here</a>.
No. Asking questions and reviewing your options is free and does not commit you to anything. If you move forward, your Loan Estimate shows the rate, fees and closing costs in writing so you can compare before you decide.
William is a licensed loan officer with NEXA Mortgage, a mortgage broker. Your loan is funded by the wholesale lender selected for your file, and that lender is named on your loan documents. This is not a commitment to lend; all loans are subject to credit approval.
achieve their homeownership dreams with personalized support and competitive rates.
William McElhill is your Mortgage Loan Originator, with the expertise and tools to help you find the right mortgage for your goals.
